We collaborated with a leading finance provider in Saudi Arabia to build a scalable, end-to-end digital lending platform tailored for retail, SME, BNPL, and auto lease offerings. This centralized system streamlines pricing, eligibility validation, and disbursement management for loan officers, partners, and administrators ensuring real-time control and visibility. The platform unifies fragmented processes across leasing, cash finance, and installment products through a modular, rule-driven architecture. Designed with local market needs in mind, it features full Arabic language and RTL support, role-based workflows, and compliance alignment with Islamic finance principles, showcasing our expertise as a fintech software development company creating flexible, regulation-ready ecosystems.
Retail, SME, and BNPL segments operated on isolated tools, causing redundant rule definitions, manual errors, and inefficiencies that hindered seamless end-to-end lending workflows.
Without a unified pricing engine, defining rules by partner, tenure, product type, or customer category was inconsistent—limiting scalability and increasing room for misconfigurations.
Eligibility checks were time-consuming and manual, with no automated prequalification logic for salary, IBAN, employer, or credit validations—delaying approvals and increasing operational load.
SME and retail partners followed varied documentation flows, creating confusion and misalignment in the approval process across different financing products and partner sources.
Bank APIs and credit bureau checks were not embedded into the platform, resulting in fragmented user experiences and reduced application processing speed.
Applications from banks, agents, and field teams lacked centralized tracking—limiting transparency, coordination, and performance monitoring across channels.
The absence of a simulation engine restricted dynamic offer generation and the ability to model pricing impacts instantly—slowing decision-making for loan officers and admins.
Lack of audit trails and revision history posed regulatory risks and hampered traceability during offer changes or approvals.
Without Arabic language and RTL support, the platform failed to meet critical accessibility and compliance requirements for the Saudi market—affecting user adoption and trust.
Our solution combined modular architecture, intelligent automation, localization, and real-time decisioning to create a future-ready lending platform tailored for SME, Retail, BNPL, and auto lease workflows in Saudi Arabia.
We developed a highly configurable digital lending platform supporting SME, Retail, and BNPL, enabling workflow separation and granular control through tailored user roles like Admin, Loan Officer, and Partner.
Applicants were validated automatically based on salary, IBAN, employer, partner ID, and credit score, ensuring only eligible profiles progressed—minimizing manual review delays.
Loan officers could simulate, revise, and reconfigure offers in real time, with automatic recalculation of financial metrics—speeding up approval cycles and decision accuracy.
Multi-tier approvals enabled secure offer acceptance and disbursement, with control layers for supervisors and officers—maintaining process integrity and operational transparency.
All user-facing modules were equipped with Arabic translations and RTL layout—ensuring accessibility and regulatory compliance in the Saudi lending ecosystem.
Custom dashboards were designed for each role—Admins, Officers, and Partners—offering visibility into applications, statuses, and actions tailored to responsibilities.
Admins could configure default settings like amount, tenure, and fees per product/channel—while enabling partner-branded offers and multi-branch scalability for broader outreach.
A rule-based engine allowed configuration by partner, tenure, product, and fee type—empowering admins to automate offer logic while ensuring consistent, scalable pricing and eligibility decisions.
Loan offers were generated instantly with dynamic monthly installment details, tenure, total payable, and admin-defined profit margins—standardizing the customer offer experience.
We created flexible document logic for KYC, salary slips, IBAN proof, and product-specific uploads, streamlining compliance checks across various financing segments.
Every change in offer creation, update, approval, or cancellation was recorded, ensuring audit-readiness and eliminating regulatory blind spots.
We integrated bank APIs, scoring engines, and CRM systems to automate lead validation, scoring, and application sync—creating a unified ecosystem for digital lending.
Offers could be shared externally via secure, tokenized links with expiration settings—enabling seamless customer interaction while maintaining data privacy.
Admins can define product rules for tenure, amount, profit margin, and customer eligibility—ensuring precise control over how each partner or channel structures their loan offerings.
The system validates applicant data like salary, IBAN, employer code, and credit score in real time—automatically filtering for eligibility and accelerating the offer creation process.
Offers are generated using pre-set rules and include monthly installment, total payable, profit rate, and tenure—along with revision and simulation tools for enhanced decision-making.
Loan officers and supervisors manage approvals, rejections, and revisions based on compliance requirements—ensuring full control over offer disbursement and status tracking.
Each product type has a tailored documentation flow, supporting real-time uploads, validation checks, and file previews for faster processing by Admins and Loan Officers.
Admins, Officers, and Partners access role-specific dashboards to manage offers, view application progress, and act based on permissions—streamlining team collaboration and accountability.
Supports SME, personal loan, BNPL, and auto lease software solutions under one platform—allowing each financing product to be configured uniquely per partner or distribution channel.
Arabic language interface and RTL layout ensure accessibility, usability, and compliance—enhancing platform adoption in the local Saudi market.
.NET Core
Angular
Microsoft SQL Server
Azure Cloud
A unified engine streamlined offer generation for SME, BNPL, auto lease, and personal loans—reducing inconsistencies and enabling faster approvals across diverse product lines.
Admins configured channel-specific rules based on partner, product, and eligibility—enhancing flexibility, reducing manual setup, and ensuring consistent experiences across all financing verticals.
Automated checks for salary, IBAN, employer code, and credit status enabled instant eligibility decisions, accelerating customer onboarding and improving approval accuracy.
Document uploads and validations were auto-triggered based on user profile and loan type—reducing manual intervention and ensuring documentation compliance across lending products.
All user-facing modules featured Arabic translation and RTL alignment—ensuring regulatory alignment, better usability, and stronger adoption across the Saudi market.
Partners could share token-based external offer links with applicants—boosting conversion rates and enabling seamless collaboration through a secure, time-sensitive engagement method.
Every update, approval, and disbursement was tracked with detailed logs—ensuring full compliance and data traceability for internal audits and regulatory reporting.
Bank APIs, CRMs, and scoring engines were seamlessly integrated to enable synchronized lead handling, offer validation, and loan lifecycle management from a single interface.
Customized dashboards for Admins, Loan Officers, and Partners provided relevant visibility and control—streamlining workflows and boosting operational accountability.
The architecture supports ongoing product additions, including BNPL app development and custom finance app development—ensuring long-term growth and compliance with evolving market needs in Saudi Arabia.
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From real-time offer simulation to role-based workflows and Arabic RTL support—our fintech software solution is built to elevate your lending ecosystem.
Click to Connect.png "Ready to Transform Your Lending Operations?")
