CASE STUDY UAE FINTECH
ATHE CREDIT FILE
AI FUNDABILITY PLATFORM FOR UAE SMEs.
We helped Linkit turn an ambitious financial-services ecosystem into one focused product that shows UAE businesses where they stand and what to do next.
01 / CLIENT VISION
A platform for the full business journey.
The client brought more than a decade of financial-services experience and a long-term ambition: support businesses from company setup and funding through growth and eventual exit.
The opportunity was meaningful, but launching every service at once would increase cost, complexity, and time to market before customer demand had been validated.
The first product needed to solve one urgent problem exceptionally well while creating a credible path into the broader ecosystem.
- 01Company setup
- 02Funding
- 03Growth
- 04Exit
02 / PROBLEM + STAKES
Businesses were applying for finance without knowing where they stood.
Many UAE SMEs do not know whether they are fundable, which lenders fit their profile, or what prevents them from securing finance.
- FINDING 01Readiness is unclear before an application begins.
- FINDING 02Lender criteria are difficult to compare.
- FINDING 03Rejection rarely explains the next practical move.
03 / STRATEGIC REFRAME
Make fundability the entry point.
We recommended making the fundability assessment the MVP.
It gives SMEs immediate value, qualifies demand for Linkit, creates a route into funding brokerage, and gives less-ready businesses a structured six-month improvement path.
Standalone value
A useful answer for an SME before it approaches a lender.
Lead qualification
A high-intent acquisition and assessment engine for Linkit.
Two next moves
Funding routes for ready businesses, structured improvement for the rest.
Expansion foundation
A natural entry point into a broader financial-services ecosystem.
04 / PRODUCT IN ACTION
From six months of transactions to a practical next move.
- 01
Upload
Provide a six-month bank statement and essential company information.
- 02
Extract
Read and categorise transactions into a usable financial picture.
- 03
Evaluate
Assess lender-relevant financial indicators.
- 04
Score
Show the business a clear fundability assessment.
- 05
Match
Identify suitable UAE funding routes.
- 06
Report
Generate a shareable explanation of the result.
- 07
Route
Move fundable businesses toward opportunities and enrol less-ready businesses into a six-month improvement program.
05 / WHAT WE BUILT
Three connected layers. One working system.
Make the result understandable.
- Guided business assessment
- Fundability score and report
- Suitable funding routes
- Automated customer communication
Turn documents into decisions.
- Transaction extraction and categorisation
- Lender-relevant indicator evaluation
- Fundability scoring
- Route matching and recommendations
Move qualified opportunities forward.
- Internal assessment and operations dashboard
- Microsoft-authenticated partner referral portal
- Production and staging environments
- Secure document handling, monitoring and scalable delivery
06 / BUSINESS OUTCOME
Focused enough to launch. Extensible enough to grow.
Instead of building a large financial-services marketplace before validating demand, Linkit entered the market around one high-intent customer problem.
The live Fundability Agent gives Linkit a practical route to acquire customers, understand their financial position, recommend the next service, and progressively expand toward the broader setup-to-exit vision.
The strategic value is the operating path the MVP created.
- 01Broad vision
- 02Focused wedge
- 03Live product
- 04Expandable ecosystem
07 / RELATED EXPERTISE
The capabilities behind the build.
YOUR PRODUCT / NEXT