Iraq · SME Finance Intelligence

Tools for smarter
SME lending

A suite of analytical tools for credit officers and finance professionals working with small and medium enterprises across Iraq — built for the field, designed for speed.

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18 Governorates
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Core platform
Loan Analysis & Screening Platform
The full five-step loan screening workflow — exclusion check, E&S risk classification, DSCR cash flow analysis, and credit decision. Requires login.
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SME Financial Assessment
Verbal interview engine for businesses with no formal accounts. Captures revenue, costs, assets, and cash flow — and builds a retroactive P&L.
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Feasibility Study Generator
Step-by-step wizard that produces a bilingual (English & Arabic) feasibility study with SWOT, financial projections, and AI-written narrative.
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Iraq Market Intelligence
Sector benchmarks across 18 governorates — gross margins, seasonal patterns, and lending guidance. Compare any SME against real Iraqi market data.
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Loan Calculator
Model IQD loan repayments — monthly schedules, amortization charts, annuity or flat-rate structures.
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DSCR Analysis Tool
Bilingual (Arabic/English) debt service coverage analysis — income verification, loan structuring, DSCR calculation, stress testing, and working capital review.
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Financial Statements
Bilingual (Arabic/English) interactive financial literacy tool for SME owners — build and understand your income statement, balance sheet, cash flow statement, and key financial ratios.
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SME Referral Tracker
Track trained SMEs through the full pipeline — from training cohort to bank referral and financing decision. Includes DSCR analysis, verification call log, and printable SME reports. Password protected.
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