Layered credit scoring model
Every applicant starts at the foundation. If the layers above it confirm what the bank data says, the score goes up. If they contradict it, flags get raised.
Bank statement analysis
This is the base score. Every applicant goes through this no matter which product they're applying for. CrossVal pulls the following from bank data:
The analysis works with any amount of data (even one month), but minimum requirements are a policy decision for Peko's finance team. Recommendation: 3 months for Postpaid, 6 months for Flex and Fast.
VAT + CT cross-validation
This is the fraud prevention layer. Compare bank statement revenue against what the business declared on their VAT return. If those numbers are off by more than 15 to 20%, something is wrong. Either they're underreporting to FTA or they're inflating bank activity to look stronger.
CT filings do the same for profitability. Does declared profit on the corporate tax return make sense given the bank data?
VAT certificate cross-checking came up in the Peko call as a way to catch fraud early. This is that mechanism built into the scoring model.
Invoice + AR data
For Fast (invoice financing), this is almost as important as bank statements. You're buying a receivable, so you need to validate: is the invoice real, does the client have a payment track record, is there a contract backing it?
For Postpaid and Flex, invoice data is a bonus. Six months of clean receivables with consistent collection boosts the score but isn't required to qualify.
Enrichment signals
AECB personal credit reports apply to Emirati-owned businesses only. Since Emiratis can legally blend personal assets into their business (property, personal accounts), a clean AECB report boosts the score. Not a gate, a multiplier.
Operating history under 18 months is a flag. Over 3 years is a positive signal. Already used on the DT product.
Bank balance trajectory matters more than the current number. A business sitting on AED 50k but trending down for four months is riskier than one with AED 20k that's been climbing steadily.
Eligibility requirements by product
Different products, different risk. The bar moves accordingly.
Postpaid
Flex
Fast
Score weightings by product (0 to 100 scale)
Weights shift by product because the risk is different. Bank statements do most of the heavy lifting for Postpaid. For Fast, invoice quality matters almost as much as the company's own financials.
| Scoring layer | Postpaid | Flex | Fast |
|---|---|---|---|
| Bank statement metrics | 70% | 50% | 35% |
| Compliance checks (VAT/CT) | 20% | 30% | 25% |
| Invoice / AR validation | - | - | 25% |
| Enrichment (AECB, history, trends) | 10% | 20% | 15% |
Automatic review triggers
These don't auto-reject anyone. They move the applicant out of instant-approve and into the review queue, where the 15 to 20 minute deeper analysis kicks in.
Approval flow
Three tiers based on composite score and flag status. The 75+ threshold maps to the "loose criteria" quick-check path that came up in the Peko call.