Six signal streams · one project-and-counterparty score · target sub-six-second decisions. Built from the data sources banks structurally can't see — designed for the Sub-Payment Facility.
Banks underwrite the SME. That's why construction subcontractors don't get credit: they look thinly-capitalised by design, with negative working capital at the start of every job and a cheque register that can't be modelled.
BuildFi underwrites the general contractor and the project. A signed master subcontract, a certified developer escrow, a 24-month main-contractor litigation history, a certified IPC, and 90 days of SME cash-flow velocity — these predict GC-side payment far better than two years of audited financials.
The Alternative Data Engine fuses six signal streams into a tier-A/B/C decision plus advance ratio, holding-fee tier and concentration impact. Underwriting is GC-first, project-second, sub-third.
Illustrative output only. Actual decisions are made on a per-deal basis, subject to FSRA RegLab admission and Sharia Advisory Board pre-clearance. No credit is being offered at this time.
These are pre-launch design targets, not realised performance. The platform has not yet originated a single advance. All targets will be refreshed quarterly against actual portfolio data once live, and reviewed at every credit committee.
From API call to tier decision. Auto-approval on repeat SMEs in < 1 sec cached. Final decision within 24–72 hours including manual review and KYC steps.
Net loss after PDC and civil-recovery, blended across the loan book through cycle. Phase 1 sub-target < 1.5 % on the first $5–10M deployed.
Single GC ≤ 20% of book (RegLab: 15%); single developer ≤ 30% (RegLab: 25%); single sub ≤ 5%. Hard rules in the credit engine; not Excel-after-the-fact.
Confidential. Indicative only. Not an offer or financial promotion. Restricted to Professional Clients (ADGM FSRA definition) or equivalent accredited investors. Capital is at risk. Forward-looking statements are estimates and not guarantees.