CrossVal | Credit Portfolio

Credit Portfolio

Active applications and assessments managed by CrossVal

Companies 5
Assessed 3
Pending 2
Pipeline AED 2.5M
Avg DSCR 1.72
Company Industry Location Product Loan Amount DSCR Risk Status Action
Portfolio Totals (assessed companies) AED 2.5M 1.72 avg

CrossVal Credit Intelligence -- Trusted by 1000+ companies across MENA -- DIFC ecosystem partner

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Step 1 of 2 -- Documents

New Company Application

Upload the company's financial documents to begin the credit assessment.

Demo Mode

Auto-fill with a sample UAE company profile (Zenith Retail FZCO) to walk through the full assessment flow.

Minimum 6 months required. 12 months preferred for full analysis.

Click to upload bank statement

PDF, CSV, or XLSX

statement_12m_ENBD.pdf 2.4 MB
VAT Filings Optional

Strengthens revenue verification and tax compliance scoring.

Click to upload

vat_q1q4.pdf
Trade License Optional

Confirms legal standing and operating tenure.

Click to upload

trade_license.pdf
AECB Report Optional

Adds director-level credit history to the assessment.

Click to upload

aecb_report.pdf
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Step 2 of 2 -- Product Selection

What type of financing are you applying for?

Select one product. CrossVal will assess qualification criteria based on the company's financial profile.

Seed Capital
Early-stage funding for new ventures and growing startups.
Key criteria: min 6 months operating history, positive revenue trajectory, DSCR above 1.0
Term Finance
Fixed repayment schedule for business investment and capital expenditure.
Key criteria: DSCR above 1.5, stable revenue across 12 months, collateral assessment
Invoice / LPO Finance
Advance against verified receivables or confirmed purchase orders.
Key criteria: min AED 500K outstanding invoices or LPOs, verified B2B counterparties
Asset Finance
Financing for equipment, vehicles, or machinery acquisition.
Key criteria: asset identified and quoted, DSCR above 1.3, 20% down payment capability
Expansion Finance
Scale operations, open new locations, or enter new markets.
Key criteria: DSCR above 1.4, 2+ years trading history, positive revenue growth trend
Zenith Retail FZCO
Expansion Finance

Analyzing your application..

This typically takes 10 to 15 seconds.

Starting.. 0%

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APPROVED

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12-Month Cash Flow
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Positive Months
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Peak Month
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Net Cash Position
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Product Qualification Matrix
Eligibility assessment across all financing products
Product Status DSCR Key Criteria Match
Recommendation Rationale
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Risk Flags
Scenario Modeler
Adjust financing terms to see the impact on credit metrics in real time
Calculations use the company's 12-month Net Operating Income as the debt service coverage base. Figures are indicative for committee discussion.
Financing Terms
AED
%
Computed Outputs
Monthly Repayment AED --
Annual Debt Service AED --
Total Interest Payable AED --
Repayment-to-Revenue --%
Revised DSCR --
Affordability Verdict --
Saved Scenarios
# Amount Tenor Rate Monthly DSCR Verdict