Does the borrower's primary activity match any item on the exclusion list above?HARD GATE
Step 3 of 5
Environmental & Social Screening
Classify the inherent E&S risk of this loan application.
A
Select Activity Sector
Scale of Operations
Location Sensitivity
Management Capacity
🏭
Inherent Risk
Select sector above
⚡ Required ESG Action Plan items
Use detailed E&S checklist
Recommended for medium/high risk or when using the risk checklist approach
B
E&S Risk Checklist
C
ESG Action Plan
Document agreed mitigations — required for MEDIUM risk loans. Attach to credit file.
⚡ Auto-generated from sector selection
E&S Assessment
Risk Level
—
Select sector to begin
LOWMEDIUMHIGH
Score
—
Sector
—
Flags
0
Critical
0
Key findings
Step 4 of 5
Cash Flow & DSCR
Enter monthly income and expenses to calculate debt service capacity.
DSCR Live
awaiting inputs
Awaiting inputs
Fill borrower figures — findings will appear here.
⚡
Quick-fill all months
A
Monthly Cash Flow (12 months)
Avg Net Cash
—
IQD / month
Min Month
—
DSCR Inputs
D
Collateral / Assets
Step 5 of 5
Final Loan Decision Summary
Review all screening results and record the credit officer's final decision.
i
Screening Overview
Institution
—
Borrower
—
Loan Type
—
Requested Amount
—
Exclusion Check
—
E&S Risk
—
DSCR
—
Recommended Amount
—
Complete all modules to see eligibility.
📝
Credit Officer Decision
Administration
User Management
Create and manage credit officers across all institutions.
👥
All Users
Name
Email
Role
Institution
Status
Last Login
Loading…
Add User
Analytics
Reports & Analytics
Cross-institution overview and performance metrics.
Total Applications
—
Total Approved
—
—
Avg DSCR
—
Avg Loan Size
—
📊
By Institution
Institution
Total
Approved
Declined
Avg DSCR
Total Approved (IQD)
No data yet.
Tool 1 of 4
SME Financial Assessment
Verbal interview engine and invoice-based financials — builds retroactive P&L for unbanked businesses.
1
Business Info
2
Revenue
3
Costs
4
Assets & Debts
5
Cash Flow
6
Report
🏪 Business Information
🎙 Ask the owner:
"What is the name of your business? How long have you been running it? What do you sell or do? How many people work with you?"
"ما اسم نشاطك التجاري؟ منذ متى وأنت تديره؟ ماذا تبيع أو تقدم؟ كم عدد الأشخاص الذين يعملون معك؟"
Available Documents
💰 Revenue Estimation
🎙 Ask the owner:
"On a typical working day, how much do you take in? What is your best month of the year, and what is your slowest month?"
"في يوم عمل عادي، كم تحصّل؟ ما هو أفضل شهر لك في السنة، وما أبطأ شهر؟"
📊 Estimated Annual Revenue
Monthly avg
—
Annual estimate
—
💸 Costs & Expenses
🎙 Ask the owner:
"What do you pay every month without fail? What does it cost you to buy the goods you sell? After paying everyone and everything, what is left for you?"
"ما الذي تدفعه كل شهر بشكل ثابت؟ وكم تكلفك البضاعة التي تبيعها؟ وبعد دفع كل شيء، ماذا يتبقى لك؟"
Fixed Monthly Costs
Cost of Goods / Variable Costs
📊 Estimated Monthly Cost Structure
Fixed costs
—
Variable costs
—
Total monthly
—
Est. net profit/month
—
⚖️ Assets & Liabilities
🎙 Ask the owner:
"What does the business own that has value — equipment, vehicle, stock, property? And who does the business owe money to right now?"
"ماذا يمتلك النشاط من أصول — معدات، سيارة، مخزون، عقار؟ ومن يدين له النشاط بالمال الآن؟"
Business Assets
Business Debts
Collateral Available
💧 Cash Flow Patterns
🎙 Ask the owner:
"When do customers pay you — immediately or after some days? When do you have to pay your suppliers? Have there been months where you ran short of cash?"
"متى يدفع لك العملاء — فوراً أم بعد أيام؟ ومتى عليك دفع الموردين؟ هل كانت هناك أشهر نقص فيها النقد؟"
📋
Complete the interview then click Generate Report.
📥 Invoice Entry 0
📊 Financial Statements
💧 Cash Flow
📋 Period Summary
📌 Enter each invoice manually. The system classifies it automatically and builds quarterly and annual financial statements.
🎙 Describe Invoice in Your Own Words
AI Powered
➕ Add Invoice / Transaction
📋 Transaction Register
0 entries
Date
Description
Type
Category
Amount (IQD)
No entries yet — add above
Tool 2 of 4
Feasibility Study Generator
Auto-generate bank-ready SME feasibility studies in Arabic and English with AI-powered narrative sections.
🚀 Try a demo profile — load sample data to see the full output
1
Business Profile
2
Description
3
Market
4
Operations
5
Financials
6
Loan Purpose
7
Risk & SWOT
8
Study
🏪 Business Profile
Available Documents
🏢 Business Description
🎙 Ask the owner:
"Tell me about your business — what do you sell or make? Who are your customers? What makes your business different from competitors?"
"حدثني عن نشاطك — ماذا تبيع أو تصنع؟ من هم عملاؤك؟ ما الذي يميز نشاطك عن المنافسين؟"
📈 Market Analysis
🎙 Ask the owner:
"How big is the market for what you sell? Who are your main competitors? How is demand changing — growing, stable, or declining?"
"ما حجم السوق لما تبيعه؟ من هم منافسوك الرئيسيون؟ كيف يتغير الطلب — هل يتنامى أم مستقر أم يتراجع؟"
⚙️ Operational Plan
🎙 Ask the owner:
"Walk me through a typical working day. Who are your suppliers? How do you deliver your product or service to customers?"
"صِف لي يوم عمل نموذجياً. من هم موردوك؟ كيف توصّل منتجك أو خدمتك للعملاء؟"
💰 Current Financial Picture
🎙 Ask the owner:
"What is your monthly revenue on a typical month? What are your main costs? After paying everything, what profit do you take home?"
"كم يبلغ إيرادك الشهري في شهر عادي؟ ما هي تكاليفك الرئيسية؟ بعد دفع كل شيء، كم يبقى لك كربح؟"
Revenue
Monthly Costs
📊 Estimated current performance
Monthly avg revenue
—
Monthly avg costs
—
Monthly net profit
—
Net margin
—
Assets & Existing Debts
🏦 Loan Purpose & Use of Funds
🎙 Ask the owner:
"Exactly what will you use the loan for? How will it grow the business? How do you plan to repay it?"
"بالضبط، ماذا ستستخدم القرض؟ كيف سيُنمّي النشاط؟ كيف تخطط للسداد؟"
📊 Preliminary DSCR estimate
Monthly payment
—
Available for debt
—
DSCR ratio
—
⚠️ Risk Assessment & SWOT
SWOT Analysis
💪 Strengths
⚠️ Weaknesses
🚀 Opportunities
⚡ Threats
Feasibility Study
Generating your feasibility study…
Tool 3 of 4
Iraq Market Intelligence
Real financial benchmarks across 18 governorates and 10 sectors — compare any SME against ground-level market data.
📡Benchmarks are calculated from real SME assessments conducted across Iraq. Data updates nightly. Minimum 10 assessments required per benchmark.
⟷ 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
GOVERNORATE COVERAGE
Tool 4 of 4
Loan Calculator
Model IQD loan repayments — monthly schedules, amortization charts, and scenario comparisons.