Proposal for Mohammed Bin Rashid Fund

From Weeks to Hours.
IC-Ready Output.

A credit assessment engine built and hosted in the UAE. 48-hour turnaround on every case. Four deliverables per assessment, each ready for your investment committee.

Start with 3 cases at AED 500 each ↓

48h

Assessment turnaround

92%

Cost reduction per case

120+

Cases/year capacity

Get Started → Explore the Solution

Before vs. After

Turnaround

5-22 days 48 hours

Cost per case

AED 15-20K AED 1,250

Annual capacity

~60 cases 120+ cases

Implementation

AED 36,700 Waived

The Challenge

Portfolio Growth Is Outpacing
Manual Assessment Capacity

MBRF scaled financing volume from AED 12.4M in 2023 to AED 45.5M in 2025. The trajectory points to AED 113M by 2030, with annual cases growing from 50 to 124.

Today, each assessment runs through Excel macros and manual analyst review. At 50 cases a year, that works. At 100+, it becomes the constraint that slows down good investments reaching the committee.

The mandate: move faster on good deals, evaluate them better, and handle twice the volume without doubling the team.

MBRF Financing Volume

AED millions

2023

12.4M

2024

35.2M

2025

45.5M

2026

54.6M

2027

65.5M

2028

78.6M

2029

94.3M

2030

113.2M

Actual

Forecast

The Solution

Automated Credit Assessment Engine

A master system dispatches work to eight specialized modules. Each one handles a distinct part of the credit assessment. The output is IC-ready.

Hosted Locally in the UAE

All models run on infrastructure inside the Emirates. Your data stays within UAE borders. No cross-border transfers, no third-party cloud dependency. Aligned with national data sovereignty and government security standards.

Local Infrastructure Data Sovereignty UAE Compliant Zero Cross-Border Transfer

Architecture

Central Engine + Specialized Modules

Documents flow in, the engine dispatches to purpose-built modules, IC-ready output flows out

Document Intake → Central Engine → 8 Specialized Modules → IC-Ready Output

Modules

Eight Specialized Modules

KYC / KYB

Identity verification, trade license validation, sanctions screening

Bank Statements

Transaction categorization, cash flow analysis, anomaly detection

Credit Bureau

AECB & CRB data pull, credit history parsing, liability mapping

Financials

P&L, balance sheet, cash flow extraction from audited accounts

VAT Returns

Revenue cross-check against VAT returns, compliance verification

Collateral

EIRC review, existing charges, collateral valuation

Debt Burden Ratio

Personal debt burden calculation across all liabilities

Synthesis

Pulls all module outputs into a single CAM with risk scoring, decision, and rationale. The final quality gate before delivery.

Deliverables Per Case

Four Outputs, Every Assessment

Credit Assessment Memo

Financial ratios, non-financial observations, risk flags, strengths, weaknesses, and a clear recommendation. The primary document for your credit committee.

IC Summary (PPT)

Key findings and recommendation, formatted for investment committee presentation.

Financial Model (Excel)

Supporting data, projections, sensitivity analysis, ratio calculations.

Decision Output

Approve or reject with reasoning. If approved: recommended loan amount vs. requested, suitable tenor.

Why CrossVal

Built for This Mandate

Built and Hosted in the UAE

Headquartered in Dubai. All models run on local infrastructure inside the Emirates. Data never leaves the country. Aligned with UAE data sovereignty requirements.

Trained on Regional Data

Our models were trained on MENA SME datasets. They understand trade license structures, VAT cycles, and seasonal cash flow patterns specific to this market. Not a global product with a regional wrapper.

Already Deployed with Private Credit

CrossVal is live with private credit providers in the UAE. The extraction and analysis pipeline has been tested on real SME credit assessments, not just demos.

48 Hours, Consistent Quality

Every case gets the same standard of analysis. No analyst variability, no quality drift on Friday afternoons. Capacity grows with volume, not headcount.

Pricing

Transparent, Predictable

Zero implementation cost. Annual spend is 0.38% of projected financing volume. The industry standard sits at 1-2%.

AED 0

Implementation Fee

Implementation

AED 36,700

AED 0

Waived — zero upfront cost

Monthly Retainer

AED 11,000

Platform access + support

Per Case

AED 1,250

First 3 cases at just AED 500 each

6-Month Engagement

Item	Calculation	Total
Monthly Retainer	AED 11,000 x 6 months	AED 66,000
Case Assessments (30)	3 x AED 500 + 27 x AED 1,250	AED 35,250
6-Month Total		AED 101,250

Volume Tiers

Up to 80 cases/year

AED 1,250

per case

80 - 100 cases/year

AED 1,100

per case

100+ cases/year

AED 950

per case

92%

Per-case cost reduction

90%+

Turnaround reduction

0.38%

Of projected financing volume

AED 207K

Annualized (60 cases)

Engagement

Three Phases to Production

Each phase builds on validated output from the last. No big-bang deployments.

PHASE 01

Onboarding

Month 1-2

Configuration to MBRF's credit policy and criteria
First 3 cases processed at AED 500 each, reviewed with your credit committee
Output format alignment: CAM, PPT, Excel
Feedback loop with your credit team

PHASE 02

Production

Month 3-6

Full deployment at agreed case volume
48-hour SLA on every standard assessment
Monthly performance reviews
Continuous refinement from case feedback

PHASE 03

Expansion

Post-Engagement

End-to-end deal management pipeline
Economic impact dashboard for government reporting
Portfolio monitoring and early warning system
Integration with MBRF's existing systems

From Weeks to Hours.IC-Ready Output.

Hosted Locally in the UAE

Built and Hosted in the UAE

Trained on Regional Data

Already Deployed with Private Credit

48 Hours, Consistent Quality

Ready to Get Started

From Weeks to Hours.
IC-Ready Output.