Unlocking Credit
Accelerating Growth

A gateway for global investors to access one of the world’s fastest-growing credit markets.

What We Do

Credx operates a fully integrated private credit platform that connects global capital with high-quality, Shariah-compliant credit opportunities across Saudi Arabia. We finance the real economy through disciplined underwriting, institutional governance, and product innovation; enabling businesses to grow while delivering stable and consistent returns to investors.

Our Core Services

Institutional Private Credit in Saudi Arabia

Access diversified, Shariah-compliant private credit opportunities backed by real-economy assets. Saudi Arabia is one of the fastest-growing private credit markets globally, driven by Vision 2030 investment demand, SME expansion, and regulatory modernization. Credx provides institutional investors with a disciplined, transparent gateway into this emerging asset class.

Direct Financing Investment Funds (DFIFs)

Exposure to high-quality SME and mid-market credit assets

Sukuk Income Funds

Diversified Shariah-compliant sukuk across primary & secondary markets.

Multi-Strategy Private Credit Funds

Trade finance, SCF, term finance, and structured credit portfolios.

Shariah-Compliant Securitized Instrument

Structured exposure to diversified receivables and real-economy assets.

Flexible, Shariah-Compliant Financing for Growth

Credx provides fast, asset-backed financing designed for the real operating needs of Saudi SMEs and corporates. We help businesses unlock liquidity, stabilize working capital, and scale operations, without dilution or long bank processes.

Financing Solutions

Receivables Financing
Payables Financing
Trade & Supply Chain Finance
Inventory Finance
Short-Term Corporate Finance
Contract-Backed & Asset-Backed Facilities

Why Corporates Work With CredX

Faster approval and onboarding through tech-enabled underwriting.
Customized structures aligned with procurement, sales, and seasonal cycles.
Funding that fuels growth without equity dilution.

Partnerships That Power the New Private Credit Ecosystem

Credx partners with institutions that want to originate, distribute, or embed private credit solutions into their offerings. We enable partners to scale through capital, technology, structuring expertise, and Shariah-compliant program design.

Financial Institutions

Banks, investment firms, and non-bank lenders seeking to expand credit distribution, co-lend, or launch structured financing programs.

Fintech & Digital Platforms

Digital lenders, embedded finance platforms, and marketplace ecosystems that require funding capacity and credit infrastructure.

Corporate Anchors & Large Enterprises

Industry leaders aiming to support their supply chains through reverse factoring, supplier finance, or embedded working-capital programs.

Technology & ERP Providers

Systems that enable automated data connectivity for underwriting, invoicing, and real-time credit monitoring.

Insurance & Advisory Networks

Insurance brokers, corporate advisors, and intermediaries that facilitate access to business clients and specialized financing needs.

Merchant & Payment Ecosystems

Payment processors, merchant acquirers, and commerce platforms serving SMEs and distributor

Our Core Services

For Investors

Institutional Private Credit in Saudi Arabia

Access diversified, Shariah-compliant private credit opportunities backed by real-economy assets.

For Corporates

Flexible, Shariah-Compliant Financing for Growth

Credx provides fast, asset-backed financing designed for the real operating needs of Saudi SMEs and corporates.

For Partners

Partnerships That Power the New Private Credit Ecosystem

Credx partners with institutions that want to originate, distribute, or embed private credit solutions into their offerings.

Engineered with proprietary intelligence

Credx runs on a proprietary platform built around machine learning, agentic systems, and retrieval-augmented decisioning. We originate faster, underwrite deeper, and monitor portfolios continuously. Every credit decision stays with our team; the technology is built to compound their judgment, not replace it.

Origination at scale

Our proprietary agentic workflows continuously identify, qualify, prioritize, and reactivate opportunities across the entire origination funnel, from early-stage prospecting to re-engagement of previously inactive leads. By automating repetitive sourcing and qualification processes, our team can focus on high-value conversations, relationship building, and strategic execution. This enables broader market coverage, faster deal velocity, and scalable origination capabilities without proportionally increasing operational complexity or headcount.

Frictionless client onboarding

Our AI-powered onboarding infrastructure integrates seamlessly with third-party platforms, financial systems, and operational data sources to automate the collection, classification, validation, and structuring of critical client information. What traditionally takes weeks of manual coordination, document handling, and verification can now be completed in minutes with significantly greater consistency and accuracy. The result is a faster onboarding experience, reduced administrative burden, improved compliance readiness, and a more seamless client journey from first engagement to activation.

Smart credit decisioning

Credx combines retrieval-augmented generation, proprietary risk frameworks, and deep financial intelligence to support faster and more informed credit decisions. Our platform analyzes financial statements, operational performance, sector dynamics, and external market signals simultaneously to surface the insights that matter most in every transaction. Rather than replacing human expertise, the system enhances our team’s ability to evaluate complexity, identify hidden risks, and make conviction-led decisions with greater precision, consistency, and speed.

Continuous counterparty screening

Our monitoring systems run continuously in parallel across fraud databases, sanctions lists, politically exposed persons databases, adverse media sources, and global risk intelligence networks to ensure counterparties are assessed dynamically as information evolves. This continuous screening capability allows our team to identify emerging risks earlier, maintain stronger compliance oversight, and respond proactively to material changes in counterparty profiles. By automating ongoing monitoring, we strengthen operational resilience while preserving the depth of human judgment in every decision.

Default early warning

Our proprietary machine-learning models continuously evaluate behavioural, transactional, and financial signals to identify potential stress indicators before conventional risk metrics begin to deteriorate. By detecting subtle patterns and anomalies across portfolios in real time, the platform provides earlier visibility into potential defaults, operational instability, or counterparty deterioration. This enables faster intervention, more proactive portfolio management, and stronger downside protection, helping our team stay ahead of risk rather than reacting after the fact.

Models accelerate the work. Conviction stays with our team.