(A CredibleX + Dviz Technologies Innovation)
TL;DR:
CredibleX has introduced MAverICX, a context-aware AI Underwriting Agent built in collaboration with Dviz Technologies Inc. MAverICX analyses trade licenses, sales, bank transactions, VAT filings, and platform activity in real time, making SME financing faster, smarter, more accurate, and seamlessly embedded into ecosystem platforms.
1. Why AI Underwriting Matters Now for UAE SMEs
SMEs in the UAE face an environment where opportunities move quickly but traditional credit assessment doesn’t.
Most banks still rely on:
- Static documents
- Long manual reviews
- Rigid eligibility criteria
- Limited visibility into sector-specific patterns
This mismatch creates delays that cost SMEs orders, supplier relationships, and growth momentum.
At the same time:
- 91% of UAE SMEs are optimistic about 2025
- 70% plan to seek financing
- Cash-flow pressure is rising across trading, retail, F&B, manufacturing, and e-commerce
- Government strategies are pushing SMEs to adopt digital tools
- Ecosystem partners want faster ways to support SME demand
This is the perfect moment for financing models powered by AI, alternative data, and embedded finance.
2. Introducing MAverICX, CredibleX’s Context-Aware AI Underwriting Engine
Through our collaboration with Dviz Technologies Inc., CredibleX has deployed MAverICX, our next-generation AI underwriting agent designed specifically for the UAE SME landscape.
What makes MAverICX different?
MAverICX doesn’t rely solely on PDFs or bank statements. It builds a dynamic understanding of each SME by analysing:
- Trade License data
- Sales and revenue trends
- Bank transaction flows
- VAT statements and filing patterns
- Ecosystem platform activity (POS, marketplace, supply-chain, e-commerce)
- Sub-sector performance benchmarks
This creates real-time, behavior-based underwriting, far beyond what traditional lenders can deliver.
3. A Simple Analogy:
If Netflix Can Predict What You’ll Watch, We Can Predict Your Financing Needs
Just like Netflix recommends the right show based on your viewing history, MAverICX recommends the right financing amount, tenor, and structure based on how your business actually performs, not just what you submit.
This results in:
More accurate eligibility decisions
More confidence for ecosystem partners
More personalised financing for SMEs
Safer, smarter capital deployment
This is underwriting as it should be – contextual, intelligent, and adaptive.
4. Why This Matters for SMEs
Faster Access to Capital
Soft approvals within 24-48 hours, same-week disbursal.
Better Fit Financing
Repayments aligned to real business cycles (e.g., RBF, Invoice Discounting, Payables).
No Guesswork
AI-driven assessments mean SMEs are matched to the right financing, not over- or under-financed.
Seamless Through Partner Platforms
SMEs get financing inside the tools they already use ranging from POS systems, marketplaces, ERPs, to supply-chain platforms.
5. Why This Matters for Ecosystem Partners
Platforms want to support their SMEs but few want the risk, cost, or complexity of becoming a lender.
MAverICX solves that:
Platforms DO NOT need to build:
- Credit models
- Risk analytics
- KYC/AML infrastructure
- Capital pools
- Loan servicing
- Compliance frameworks
CredibleX provides the entire infra structure.
Partners simply integrate via API, and MAverICX powers:
- Real-time eligibility
- Instant financing offers
- Sector-level insights
- Safer credit decisions
- Higher SME engagement
- New revenue opportunities
Embedded finance becomes so adaptable.
6. How MAverICX Strengthens CredibleX’s Three Core Products
MAverICX improves accuracy on buyer risk, invoice patterns, and payment behaviours, speeding approvals.
AI tracks revenue consistency, seasonality, volatility, and sector benchmarks, enabling better risk-aligned decisions.
AI identifies cash-cycle gaps and supplier dependencies, enabling better recommendations for working capital allocations.
MAverICX makes each product safer, smarter, and more personalized.
7. Why AI Underwriting Is the Future of Embedded Finance in the UAE
The UAE is entering a new phase:
- Digital payments are ubiquitous
- Government agendas emphasise SME competitiveness
- Banks alone cannot fill the SME financing gap
- Platforms want to offer value-added services
- AI adoption is accelerating across sectors
MAverICX positions CredibleX and its partners at the center of this shift.
Smart underwriting enables smart financing.
Smart financing unlocks smart growth.
Final Thoughts:
A smarter future for SME Financing starts here
Together with Dviz Technologies Inc., CredibleX is building a new generation of embedded financing, one that is:
- Automated
- Context-aware
- Fast
- Accurate
- Sector-specific
- Partner-driven
- Fully regulated
For SMEs, this means capital arrives exactly when the business needs it. For partners, it means embedded financing that just works. For the UAE, it means a more resilient and innovative SME economy.
