Never for sale
- A credit decision on your behalf
- A credit limit or a suggested percentage
- Assessments about third parties, sold to anyone
- An approval or a decline
Packages
Packages that match how you work
Choose what the engine analyses: your receivables, your payables, both, or both with external assessments. Then choose the tier that fits the size of your work.
Your planPackageTier
The subscription buys analysis of your own ledger and your own clients, and nothing else.
From the client's screen
What you see once you subscribe
Real screens from the platform on a sample company, never a client's data: your book from both sides, what you're owed and what you owe.
The four packages
What should the engine analyse?
Receivables and payables are two separate packages; pick the one that matters to you. The third combines them, and the fourth adds external assessments.
- 01For the CFO and collections
Receivables
Answers
Which of your customers pay late, and how much of your book hangs on them?
- A score from 0 to 100 per customer, with its word and every reason that moved it
- A receivables aging ladder from not due to over 420 days
- Integrity checks G1 to G6 on every invoice set
- Concentration of the book in your largest customers
- Days-to-collect trend from period to period
- Government buyers read separately: their delays are timing, not risk
- Industry packs, including manpower
- Customer and sector reports in Arabic or English
Aging ladder, in days
- Not due
- 1–30
- 31–60
- 61–90
- 91–120
- 121–180
- 181–360
- 361–420
- Over 420
A 0 to 100 score per customer - 02For the CFO and procurement
Payables
Answers
Which suppliers do you depend on, and where are your obligations concentrated?
- Your suppliers, each with its score and reasons
- Your dependency on each supplier and the concentration of what you owe
- Payables aging on the same ladder
- Supplier findings: what changed and why
- What you owe and when it falls due
- Supplier and sector reports
What you owe, and when - 03For the CFO
Receivables + Payables
Answers
What is your net position when you see both sides together?
Everything in Receivables and Payables, plus:
- Two-sided exposure to the same name, when a counterparty is both customer and supplier
- Your net position with each counterparty
- Working capital and the cash conversion cycle
- The whole portfolio on one screen
Net position per counterparty - 04For the CFO, credit teams and financial institutions
Receivables + Payables + External assessments
Answers
What do external sources and financial statements say about the parties you deal with?
Everything in Receivables + Payables, plus:
- Commercial registration checks through Wathq, Ministry of Commerce (beta)
- Statement ratios: liquidity, debt, profitability and efficiency
- Trends across up to 16 financial periods
- A sector reference band to read the ratios against
- Financial statement import from PDF (beta)
- Business model and cash conversion cycle
- My clients' results: read the statements your customer shared with you, with ratios, trends and reasons. Your team decides
External sources in this package
- Ministry of Commerce (Wathq)Beta
Commercial registration status, name and expiry of your counterparties, on your own Wathq subscription.
- Ministry of InvestmentComing soon
Investment licence status of foreign-owned counterparties.
- QawaemComing soon
Know your prospective customers' solvency from their audited financial statements.
Logos belong to their owners; showing them here implies no partnership or endorsement.
For financial institutions, on EnterpriseSee your lending portfolio
Exposure by client and sector, aging, concentration, and what changed period to period — on data your clients provide, with their consent.
The decision is yoursYour team decides
Tiers
Three tiers for every package
Connectors and the data pool come with every tier, and your data updates as soon as it arrives from your system. Tiers differ in their allowances, and the ingestion API comes with Professional and above.
| Tier | StarterFor small and medium businesses | ProfessionalFor growing and mid-size companies | EnterpriseFor large enterprises, groups and financial institutions |
|---|---|---|---|
| What's in it | Connectors to your accounting system, the data pool, live updates and PDF reports. | Everything in Starter, plus: the ingestion API with scoped keys, Excel reports and larger allowances. | Everything in Professional, plus: every channel including email intake from verified senders (beta), higher allowances and 100 users. |
| Channels and data | |||
| ERP connectors | Included | Included | Included |
| Data pool: upload, secure file drop, data checks | Included | Included | Included |
| Live updates as data arrives, within the tier's allowance | Included | Included | Included |
| Ingestion API v1 with scoped keys | Not included | Included | Included |
| External APIs (Wathq, Qawaem) | Based on the client's needs | Based on the client's needs | Based on the client's needs |
| Allowances | |||
| Data pulls | 4 | 50 | Based on the client's needs |
| Engine runs | 8 | 50 | Based on the client's needs |
| API calls | Not included | 50,000 | 1,000,000 |
| Report exports | 25 | 300 | 5,000 |
| Users | 3 | 10 | 100 |
| Report formats | PDF + Excel | PDF + Excel | |
Starter
For small and medium businesses
Connectors to your accounting system, the data pool, live updates and PDF reports.
Channels and data
- ERP connectors
- Included
- Data pool: upload, secure file drop, data checks
- Included
- Live updates as data arrives, within the tier's allowance
- Included
- Ingestion API v1 with scoped keys
- Not included
- External APIs (Wathq, Qawaem)
- Based on the client's needs
Allowances
- Data pulls
- 4
- Engine runs
- 8
- API calls
- Not included
- Report exports
- 25
- Users
- 3
- Report formats
Professional
For growing and mid-size companies
Everything in Starter, plus: the ingestion API with scoped keys, Excel reports and larger allowances.
Channels and data
- ERP connectors
- Included
- Data pool: upload, secure file drop, data checks
- Included
- Live updates as data arrives, within the tier's allowance
- Included
- Ingestion API v1 with scoped keys
- Included
- External APIs (Wathq, Qawaem)
- Based on the client's needs
Allowances
- Data pulls
- 50
- Engine runs
- 50
- API calls
- 50,000
- Report exports
- 300
- Users
- 10
- Report formats
- PDF + Excel
Enterprise
For large enterprises, groups and financial institutions
Everything in Professional, plus: every channel including email intake from verified senders (beta), higher allowances and 100 users.
Channels and data
- ERP connectors
- Included
- Data pool: upload, secure file drop, data checks
- Included
- Live updates as data arrives, within the tier's allowance
- Included
- Ingestion API v1 with scoped keys
- Included
- External APIs (Wathq, Qawaem)
- Based on the client's needs
Allowances
- Data pulls
- Based on the client's needs
- Engine runs
- Based on the client's needs
- API calls
- 1,000,000
- Report exports
- 5,000
- Users
- 100
- Report formats
- PDF + Excel
Some connectors are in beta. The status of every channel is on the integrations page. Integrations
For financial institutions
Read your own clients and your own portfolio
A financial institution can subscribe to read its own clients and portfolio, with the data those clients provide to it. Each ledger is read on its own, and no subscriber's data is mixed with another's. The decision stays with you, on your own authority.
- Usually the fourth package, on the Enterprise tier
- Data from your own clients, with their consent
- We sell no assessments about third parties to anyone
In every subscription
The same core in every package
- A score from 0 to 100 per counterparty, with every reason that moved it
- Invoice checks: stamp, hash chain, duplicates
- Concentration: how much of your ledger hangs on one name
- A history of every score change and its reason
- Arabic and English interface
- Your data and compute inside the Kingdom
- No AI reads your documents
- Your data for your account alone: nothing pooled, nothing sold
Billing
How you pay
Invoiced as agreed
On the schedule we agree with you, in SAR.
Bank transfer
The invoice is settled by bank transfer to the company's account.
Users by tier
3 users on Starter, 10 on Professional and 100 on Enterprise.
No percentage, no per-invoice fee
No percentage of an amount and no fee per score. The subscription covers the whole reading.
Pilot
A pilot before a subscription
One package, your real data, a period agreed in writing, and a written summary of what the engine found at the end.
Get in touch
Tell us what you want analysed
We reply with the package and tier that fit you, and their details. It helps to say:
- 1Which package: receivables, payables, both, or both with external assessments
- 2Roughly how big your ledger is: the number of counterparties and invoices
- 3How it is kept: the name of the accounting system, or a file
- 4How many people will read the scores
Questions about packages
What is the difference between a package and a tier?
The package is what the engine analyses: receivables, payables, both, or both with external assessments. The tier is the size of use: allowances, users, report formats and the API. Your plan is the two together.
Do connectors come with every tier?
Yes. Connectors to accounting systems and the data pool come with every tier, and your data updates as soon as it arrives from your system, within the tier's allowance. The API comes with Professional and above.
Is the price a percentage of anything?
No. The subscription is a fixed amount. It does not move with the value of your invoices or with their scores.
Does the cost change with what the reading finds?
No. A high or a low score costs neither more nor less. What sets the cost is the package and the tier, not what we find in your ledger.
Is the Wathq connection included?
The Wathq connection is part of the fourth package. It is in beta and runs on your own Wathq subscription. The Ministry of Investment and Qawaem are coming soon.
Can a financial institution subscribe to read its clients?
Yes, to read its own clients and portfolio, with the data those clients provide to it and with their consent, each ledger read on its own. What is not for sale is an assessment about a third party.