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Learn about our credit rating system

Our system relies on a comprehensive analysis of over 700 data points for each entity, enabling an accurate assessment of financing-related risks to ensure reliable financial evaluations.

How do we assess risks?

As an investor, you may wonder how Owais assesses risks and ensures that you are investing in a safer way.

  • These analyses are conducted quickly and efficiently to ensure the best results.
  • We link the company's credit reports to Saudi bodies such as Simah and Bayan to assess repayment ability.
  • We analyze loan applications using advanced techniques that gather and study over 700 data points about each company.

Company's credit evaluation

Credit Report

Simah and Bayan Report

87%

Financial Report

Bank Statement and Financial Statements

70%

Owners Report

Suitability of Owners and Management

90%

Work Mechanism

Only approved opportunities are offered on the Owais platform

The opportunity is listed on the Owais platform only upon acceptance. This study includes a comprehensive financial analysis considering several criteria such as financial position and credit history.

1

Evaluation of the company's financial position

2

Credit report from Simah and Bayan

3

Other financings registered on the company

Risk Categories

We offer our services to a wide range of small and medium enterprises, with a risk classification that reflects the strength of the establishment in various aspects.

Credit Report

Comprehensive analysis of credit reports issued by the relevant authorities.

Financial Position

Review of the company's financial and bank reports.

Owners

Verification of the personal credit reports of the owners and their previous experiences.

Market

Study of the market in which the establishment operates to assess its stability or volatility.