Risk and credit
assessment

SME submit loan application

Beehive performs risk assessment

Physical address is verified

Approved application listed

Beehive is dedicated to listing only established, demonstrably creditworthy SMEs on our platform. That principle is not a slogan; it is the operating standard that shapes every stage of our work, from the earliest screening of an application to the final day of a facility. Each funding proposal is subjected to a rigorous, multi-layered credit and risk review that blends our proprietary decision engine with robust external verification. The objective is straightforward yet exacting: to produce assessments that are consistent, explainable, and genuinely useful, thereby supporting responsible lending decisions and reliable outcomes for all stakeholders.

SMEs come to market with different documentation realities, so our approach meets them where they are while holding the bar steady.

When audited or management accounts, bank statements, and supporting schedules are available, we perform a deep, structured analysis. Our systems extract hundreds of data points spanning liquidity and leverage, cash-flow dynamics and volatility, seasonality patterns, customer concentration, margin stability, and working-capital behaviour. Those signals are synthesized into a comprehensive credit report that anchors the underwriting view and informs the final recommendation.

The pathway feeds a single proprietary scoring model and a unified risk-rating framework, ensuring like-for-like comparability across proposals regardless of the documentation set.

A rule-based AI layer—trained on a decade of SME lending experience, supports both routes. It reviews submissions systematically, surfaces patterns and anomalies, and flags inconsistencies for expert follow-up. The blend of automation and analyst judgment allows us to move with pace while preserving depth, accuracy, and auditability.

What We Score: Three Core Pillars

1. Repayment Strength

We examine the borrower’s capacity to meet obligations as scheduled, looking at:

1. Trajectories in profitability and revenue, including concentration and durability
2. Liquidity profiles and near-term coverage ratios
3. Working-capital management and seasonal effects
4. Evolution of debt and equity positions
5. Bank-statement cash-flow patterns, stability, and stress tolerance
6. Repayment history with Beehive and other lenders
7. Supplier repayment behaviour and trade terms

A central indicator is Repayment Coverage Strength, derived from bank-statement analytics comparing monthly cash coverage to the proposed installment:

1. Excellent: > 3× monthly repayment
2. Very Strong: 2.5×–3×
3. Strong: 2×–2.5×

2. Owner Commitment

We gauge stability, alignment, and financial stake for all shareholders holding >5%. Factors include Oman residency and family ties (e.g., dependents in school), property ownership, personal debt levels and repayment behaviour, equity invested since inception, dividend or withdrawal discipline, and current credit-bureau scores. In a dynamic market like Oman, durable owner commitment is a decisive predictor of follow-through.

3. External Reports & Field Validation

Internal analysis is reinforced by trusted third-party intelligence and on-the-ground verification, including:

1. Oman Credit and Financial Information Centre (Mala’a) for federal credit data
2. World-Check for screening and watchlist intelligence (Select retrieval from Mala’a and World-Check is automated via Robotic Process Automation (RPA), reducing turnaround times and manual error.)