Kred. Score20Early Stage
Welcome to
Kred.
Your business, funding ready.
Most businesses don't fail to get funded because they're bad businesses.
They fail because they can't present themselves the way lenders need to see them.
Kred. builds your financial credibility — your score, your documentation, your language — so capital recognises you.
01
📈
Build your Kred. score
Think of it like a reputation score for your business — built from real financial data, not opinions. Every document you add improves your score and opens doors to more lenders. Starts at 20. No ceiling.
Ongoing · Updates monthly02
📄
Generate lender-ready documents
Executive summary. Pitch deck. Credit memo. Submission templates for specific lenders. Offer comparison. Legal brief. Documents that present your business the way institutional money expects to see it.
Professional · Comprehensive · Yours03
🗣️
Guided in your language
Not just translated text. Aya! or Zaid! — your AI advisor — speaks to you in Arabic, Urdu, Hindi, English or Filipino. They explain everything in plain terms and are available on WhatsApp anytime.
Arabic · Hindi · English · FilipinoPersonalised in 3 minutes · Free assessment · No registration yet
English · Welcome to
Kred.
Your business, funding ready.
Most businesses don't fail to get funded because they're bad businesses.
They fail because they can't present themselves the way lenders need to see them.
Kred. builds your financial credibility — your score, your documentation, your language — so capital recognises you.
Personalised in 3 minutes · Free assessment · No registration yet
Step 1 of 7 · Language
Which language do you
think business in?
Not your passport language — the one you reach for when reading a contract,
checking a P&L, or negotiating a deal.
🇬🇧
English
English
🇦🇪
Arabic
العربية
🇵🇰
Urdu
اردو
🇮🇳
Hindi
हिंदी
🇵🇭
Filipino
Filipino
Step 2 of 7 · Your Advisor
Who guides you
through this?
Same intelligence. Same instruments. The choice is about who speaks your business language most naturally.
✨
Aya!
Funding Advisor
Warm, direct, zero tolerance for jargon. Aya! tells you exactly what lenders need to see — and what's standing between your business and the capital it deserves.
🇬🇧 English🇮🇳 Hindi🇵🇭 Filipino🌍 Swahili
☪️
Zaid!
مستشار التمويل
Authoritative, measured, and fluent in both Islamic finance and conventional instruments. Zaid! is the advisor Gulf business owners trust for serious funding conversations.
🇦🇪 Arabic🇵🇰 Urdu
Step 3 of 7 · Country
Where does your business
operate?
Kred. is live in the UAE today — and rolling out across the Gulf next.
United Arab Emirates
Live now
🇸🇦
Saudi Arabia
Coming soon
🇧🇭
Bahrain
Coming soon
🇴🇲
Oman
Coming soon
🇶🇦
Qatar
Coming soon
🇰🇼
Kuwait
Coming soon
🇪🇬
Egypt
Coming soon
🇵🇰
Pakistan
Coming soon
🇦🇪 businesses → kred.world/ae
Step 4 of 7 · Your Situation
Where is your business
right now?
✨
Aya!
Where you are right now shapes everything — which instruments I'll prioritise, which lenders to approach, and what your documentation needs to say. Be honest. There's no wrong answer here.
🚀
Growing fast, cashflow lagging
🔒
Good business, can't get funded
🏦
Bank said no — no explanation
🌍
Need to finance a trade deal
🏗️
Contract or expansion opportunity
🧭
Want to know where I stand
Step 5 of 7 · What Kred. Produces
The documents open the doors.
Knowing you qualify isn't enough — you have to prove it, professionally. Kred. generates the documents that sophisticated funders expect to see, in the format lenders actually read.
Executive Summary — Gulf Trading LLC
Generated by Kred · Lender-ready · AED 18M revenue
📄 Executive Summary
📊 Funding Pitch Deck
🎯 Lender Application
📋 Credit Memo
⚖️ Offer Comparison
✅ Legal Review Brief
📈 Financial Summary
📁 Document Checklist
Your Kred. grows with every step — this is not a one-off
📝
22–40
Start here today
Tell us about your business
📊
40–60
Add your numbers
Revenue, costs, cashflow
✅
60–78
Upload accounts
Bank statements or financials
🏆
78–100
Full credit profile
Maximum lender access
Step 6 of 7 · Finance Type
Conventional or
Sharia-compliant?
✨
Aya!
Kred covers the full spectrum — conventional and Sharia-compliant. Whichever you choose, I know all twelve instruments and which UAE lenders are active in each right now.
🏦
Conventional
UAE commercial banks, fintechs, private credit — the full standard market across all 8 conventional instruments.
☪️
Sharia-compliant
Murabaha, Ijara, Musharakah and more — matched to Emirates Islamic, DIB, ADIB, and Sharjah Islamic Bank.
⚖️
Show me both
All 12 instruments ranked side by side — conventional and Islamic — so you can compare and choose.
Step 7 of 7 · Your Starting Point
This is where your
Kred. begins.
Based on your preferences alone — before a single financial figure. Every data point you add in the full assessment raises this number.
✨
Aya!
This is your starting point — not your ceiling. Every piece of financial data you add, every document you upload, improves your Kred score and opens new lender doors. Let's build it properly.
Early Kred. Assessment
Advised by Aya! · English
20
/100
Indicative Scope
AED 0.5M – 2M
Credit Band
Early Stage
Instruments Matched
8 instruments
To reach 100
Add financials · Accounts · AECB
Finance type
—
Situation
—
Invoice Discounting
Working Capital
Trade Finance / LC
PO Finance
Revenue-Based Finance
+3 more unlocked in full assessment
Kred. is for your community — not just you
🏢
95%Most UAE businesses are SMEs
Almost every company in Dubai is a small or medium business — yet most struggle to get bank funding simply because they don't know how to present their case. Kred fixes that.
🔄
3 wksWeeks of work, done in minutes
Preparing a proper funding application normally takes a financial consultant weeks and costs thousands. Kred walks you through the same process — free, in your language, in one session.
💬
FreeKred on WhatsApp — for you and your network
Aya! and Zaid! are available on WhatsApp right now. Ask a funding question, get a plain-language answer in Arabic, Hindi, Urdu or English — and share it with anyone in your business community who needs it.
20 minutes · Free assessment · No credit card · Advised by Aya!