Live market data · Iraq

The financial reality of Iraqi small business

Real gross margins, seasonal cash patterns, and lending benchmarks — collected from on-the-ground SME assessments across all 18 governorates.

10
Sectors tracked
18
Governorates
—
SMEs assessed
↓ Explore benchmarks Request full access
DATA COVERAGE BY GOVERNORATE
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High coverage
BENCHMARK EXPLORER

Compare any sector across Iraq

Select a sector and governorate to see real financial benchmarks. Enter an SME's figures to compare against the market.

🔒 All benchmark data is anonymised and aggregated. No individual business data is shown. Minimum 10 assessments required before a benchmark is published.
⟷ Enter this SME's figures to compare against the benchmark (for loan officers)
FINANCIAL BENCHMARKS
SEASONAL REVENUE PATTERN
Peak
Normal
Slow
CREDIT OFFICER INSIGHTS
LENDING GUIDANCE — THIS SECTOR
THE DATA

Built from ground-level assessments, not surveys

Every data point in this platform comes from a real SME interview — a loan officer sitting with a business owner, capturing verbal financial records. The benchmarks improve with every assessment.

01
Assessment conducted
A loan officer uses the SME Assessment Platform to conduct a structured verbal interview with a business owner — capturing revenue, costs, assets, and cash flow patterns.
02
Officer opts in
With a single checkbox, the officer can contribute anonymised financial data to the benchmark pool. No names, phone numbers, or identifying details are ever stored.
03
Nightly recalculation
Every night at 2:00 AM Baghdad time, the benchmark engine recalculates percentiles and updates published benchmarks. A minimum of 10 assessments is required before any benchmark is shown.
04
Smarter lending
Loan officers get automatic flags when a business's margins, costs, or revenue are outside the sector norm. The credit report explains what it means for repayment risk.
COVERAGE

Growing across all 18 governorates

Benchmarks start as research-based estimates and become live data as assessments accumulate. Click a governorate to explore its data.

🔐 Full access for lending institutions

Make better lending decisions with data no one else has

Full access gives loan officers sector percentiles, real-time SME comparison, seasonal repayment scheduling, and a credit report that explains every flag in Arabic and English.

For banks, microfinance institutions, and development lenders operating in Iraq.