by Bluebay Financial Services
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FinSOUQ Credit Score History
UAE SME Financing Intelligence Platform

Your
Business.
Financed.

FinSOUQ screens, scores, and matches UAE SMEs to the right financing partners — completely free of charge. Powered by Bluebay Financial Services, with credit scoring based on Moody's Analytics RiskCalc™ methodology.

Get Your Free Credit Score How It Works

✓ Free scoring & matching  ·  ✓ DED-licensed broker  ·  ✓ Instant AI credit score

Match found
3 lenders eligible →
Score updated
Strong · 78 / 100
FinSOUQ Credit Dashboard
78
/100
STRONG
Updated today · 12 dimensions scored
Revenue
AED 2.4M
Trading Yrs
4 yrs
Matches
3 Found
Matched Financing Partners
🏦
Emirates NBD Business Finance
Term Loan · Up to AED 2M
Eligible
💼
Mashreq NeoBiz Working Capital
Revolving · Up to AED 500K
Eligible
📈
Emirates Development Bank
SME Growth · Up to AED 5M
Review
🏛
DED-LicensedFinancial Broker
🔒
100% FreeScoring & Matching
🤝
UAE-Wide NetworkLenders & Financiers
📊
AI-PoweredCredit Screening
⚡
Instant ScoreAI-Generated, Real-Time
Process

Four steps to your funding match

No hidden fees. No obligation. FinSOUQ does the heavy lifting so you can focus on running your business.

01
Apply Online
Complete your SME profile — business details, financials, and financing needs. Under 10 minutes.
Always Free
02
Credit Screening
Enter key financial data from your P&L and balance sheet. Our AI engine instantly applies Moody's RiskCalc™ methodology across 7 quantitative categories.
Always Free
03
Score & Match
Receive your FinSOUQ Credit Score, computed using Moody's Analytics RiskCalc™ methodology across 7 financial categories with a Moody's-equivalent rating. Strong profiles are matched instantly. Weaker scores may qualify for FinReview™.
Free · or FinReview™
04
Introduction
Bluebay makes the warm introduction to matched lenders. You negotiate directly — no broker cut on your deal.
Always Free
FinSOUQ Credit Score

Powered by Moody's RiskCalc™ methodology

Your FinSOUQ Credit Score is computed using Moody's Analytics RiskCalc™ framework for private companies — the same methodology used by leading financial institutions globally to assess SME default probability across seven quantitative categories.

Investment Grade — Strong
Moody's Equivalent: Aaa / Aa
80 – 100
Investment Grade — Good
Moody's Equivalent: A
72 – 79
Investment Grade Threshold
Moody's Equivalent: Baa
60 – 71
Speculative — Moderate
Moody's Equivalent: Ba
48 – 59
Speculative — Elevated
Moody's Equivalent: B
38 – 47
High Risk
Moody's Equivalent: Caa / Ca
0 – 37
What happens after scoring?
Investment Grade (60–100) — Aaa to Baa: Immediately matched to eligible financing partners. Bluebay makes a warm introduction at no cost.
Speculative Grade (38–59) — Ba / B: Selective partner matching possible. FinReview™ advisory recommended to improve profile before formal approach.
High Risk (0–37) — Caa / Ca: No immediate match. FinReview™ restructuring engagement required before any lender introduction.
RiskCalc™ Scoring Categories
📈
Profitability
ROA · Net Profit Margin · 20%
⚖️
Capital Structure
Debt/EBITDA · Gearing · 20%
🛡
Debt Coverage
ICR · DSCR · EBITDA/Debt · 20%
💧
Liquidity
Current Ratio · Quick Ratio · 15%
⚙️
Activity
Recv. Days · Inv/Sales · 10%
📊
Growth
Revenue CAGR · EBITDA Trend · 8%
Methodology: Moody's Analytics RiskCalc™ v3.1 for Private Firms · Falkenstein et al. (2000) · Supplemented by industry and business vintage qualitative adjustments consistent with Moody's Corporate Rating Methodology (2022).
FinReview™ Advisory

When your score
needs professional help

A weak FinSOUQ score is not a dead end — it is a starting point. FinReview™ is a structured advisory engagement that diagnoses, improves, and repositions your SME for lender success.

🔬
Deep Financial Diagnosis
Line-by-line review of your P&L, cash flow, and balance sheet to identify every lender red flag.
📝
Credit Narrative Structuring
We build the story of your business in the language lenders understand and trust.
📋
Lender-Ready Pack
Professionally prepared financing application file — financial model, risk mitigants, and deal rationale.
🎯
Re-scoring & Re-match
Post-FinReview™ reassessment and fresh partner matching — no additional matching fee.
[ FinReview™ Pricing ]
Score & Match
Credit screening, FinSOUQ score, and partner matching for all UAE SMEs.
Always Free
No charge · ever
FinReview™ Lite
Financial diagnosis + lender readiness report. Ideal for early-stage SMEs.
AED 2,500
Flat fee
FinReview™ Full
Deep restructuring, full narrative, lender-ready pack + re-scoring.
Most Popular
AED 5,000
Flat fee
FinReview™ Complex
Multi-entity, restructuring cases, or high-value mandates. Bespoke scope.
Custom
By scope

All fees are for advisory services only. Matching and lender introductions remain free for all clients regardless of FinReview™ engagement.

Partner Network

Connected to the right financing sources

FinSOUQ's curated network spans banks, NBFCs, government funds, and alternative lenders — all pre-vetted for UAE SME financing.

Commercial Banking
Retail & Commercial Banks
Term loans, overdraft facilities, and trade finance from UAE's leading retail and commercial banks for established SMEs.
Term LoansTrade FinanceOverdraft
Islamic Finance
Shariah-Compliant Financing
Murabaha, Ijarah, and Diminishing Musharakah facilities for SMEs seeking Shariah-compliant structures.
MurabahaIjarahMusharakah
Government Programs
Emirates Development Bank
Subsidised SME growth facilities, startup financing, and sector-specific programs under UAE government mandate.
EDBLow-Cost DebtGrowth Loans
NBFCs & Fintechs
Non-Bank Financing
Faster, flexible working capital and invoice financing from licensed UAE NBFCs and fintech lenders.
Invoice FinanceWorking CapitalFast Track
Private Credit
Family Offices & Private Lenders
Bilateral lending and mezzanine financing for SMEs with unique structures or high-growth profiles.
MezzanineBilateralGrowth Equity
Leasing & Asset Finance
Equipment & Asset Financing
Vehicle, machinery, and equipment leasing for capital-intensive SMEs seeking asset-backed solutions.
LeasingAsset FinanceSale & Leaseback
SME Voices

Businesses that found their financing match

★★★★★
We had been rejected by two banks before FinSOUQ. Within a week of getting our score, Bluebay introduced us to a lender who understood our business. We closed an AED 800K facility.
👔
Tariq Al Mansouri
F&B Operator · Dubai
★★★★★
The FinReview™ service was worth every dirham. They showed us exactly why lenders were saying no — and helped us fix it. Re-scored 3 months later and matched immediately.
👩‍💼
Rania Khalil
Logistics SME · Sharjah
★★★★★
As a startup with 18 months of trading, we didn't know where to start. FinSOUQ gave us a clear picture and matched us to lenders who would actually consider our profile.
🧑‍💻
Ahmed Farouq
Tech Startup · Abu Dhabi
Get Your Credit Score

Four steps to your financing match

Complete the wizard below. Your AI-generated FinSOUQ Credit Score is produced instantly after Step 2 — at no cost.

1
Company Profile
2
Financial Data
3
Credit Score
4
Engagement & Docs
Saved
💾
Welcome back! You have a saved application. Restore your previously entered data to continue where you left off.
Company Profile & Financing Request
Tell us about your business and what financing you are looking for. This takes under 5 minutes.
🏢 Business Information
💰 Financing Request
👤 Contact Details
Financial Information
Enter key financial figures from your audited or management accounts. Provide data for as many years as your business has operated (minimum 1 year, ideally 3). All figures in AED thousands (AED '000).
📊 Profit & Loss Statement
Year 1
Year 2
Year 3
🏦 Balance Sheet (Latest Year)
📋 Existing Financing Facilities
List all current bank loans, overdrafts, or credit facilities. Leave blank if none.
Your FinSOUQ Credit Score
Our engine applies Moody's Analytics RiskCalc™ methodology across 7 quantitative categories. Review your score and Moody's-equivalent rating below.
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/100
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Engagement Agreement & Documents
Review and accept the electronic engagement agreement with Bluebay Financial Services LLC, then provide your supporting documents for detailed review and partner matching.
📄 Electronic Engagement Agreement

ENGAGEMENT AGREEMENT — BLUEBAY FINANCIAL SERVICES LLC

This Engagement Agreement ("Agreement") is entered into between Bluebay Financial Services LLC, a company registered in the Emirate of Dubai, UAE, licensed by the Department of Economy and Tourism (DED) with permitted activities covering Credit Review Services, Loans & Overdues Rescheduling Services, and Financing Broker ("Bluebay"), and the applicant business identified in the FinSOUQ application ("Client").

  1. Scope of Services: Bluebay agrees to provide credit advisory, financing broker, and lender introduction services to the Client on a non-exclusive basis. Services include credit profile review, FinSOUQ Credit Score assessment, and introduction to eligible financing partners in Bluebay's network.
  2. Fees: Credit scoring, profiling, and lender introduction services are provided at no charge to the Client. FinReview™ advisory services, if required and agreed, are subject to a separate flat fee disclosed prior to engagement. Bluebay may receive referral fees from partner institutions upon successful financing; this does not affect the Client's terms with any lender.
  3. Confidentiality: All information provided by the Client shall be treated as strictly confidential. Bluebay shall not share the Client's information with any third party without prior written consent, except as required for the purpose of financing introduction to vetted partners.
  4. No Guarantee: Bluebay does not guarantee the availability of financing, approval of any credit facility, or specific terms from any lender. Financing decisions rest solely with the relevant financing institution.
  5. Client Obligations: The Client confirms that all information provided is accurate, complete, and not misleading. The Client accepts responsibility for any inaccuracies and their consequences.
  6. Data Protection: By proceeding, the Client consents to Bluebay processing their personal and business data in accordance with applicable UAE data protection laws for the purpose of credit advisory and financing brokerage services.
  7. Governing Law: This Agreement is governed by the laws of the Emirate of Dubai and the UAE. Any disputes shall be subject to the exclusive jurisdiction of Dubai courts.
  8. Duration: This Agreement remains in effect for a period of 12 months from the date of acceptance, or until either party provides written notice of termination, whichever is earlier.
📁 Supporting Documents
Please upload soft copies of the following documents. Accepted formats: PDF, JPG, PNG. Max 10MB per file.
📄
Upload Trade License
PDF / JPG / PNG
📋
Upload MOA
PDF / JPG / PNG
🪪
Upload ID Documents
PDF / JPG / PNG — Multiple owners: combine into one PDF
📊
Upload Financial Statements
PDF — Audited or management accounts
🏦
Upload Bank Statements
PDF — All operating accounts
📩
Upload Facility Letters
PDF — Optional but recommended
Something went wrong submitting your application. Please try again or email hello@bluebay.financial

By submitting, you confirm acceptance of the Engagement Agreement above. Bluebay Financial Services LLC — DED Licensed. Credit Review, Loans & Overdues Rescheduling, and Financing Broker.

✅
Application Submitted
Your engagement agreement and supporting documents have been received by Bluebay Financial Services. Your FinSOUQ Credit Score has already been generated. A dedicated advisor will contact you within 1–2 business days to review your score, confirm matched partners, and outline next steps.

For queries: hello@bluebay.financial
FAQ

Common questions about FinSOUQ

Is the credit score really free? +
Yes — 100%. FinSOUQ's scoring, profiling, and partner matching services are provided at no cost to the SME. We are compensated through referral arrangements with our financing partner network.
Who is Bluebay Financial Services? +
Bluebay Financial Services LLC is a Dubai-licensed entity (DED) with permitted activities covering Credit Review Services, Loans & Overdues Rescheduling, and Financing Brokerage. FinSOUQ is its UAE SME financing intelligence platform.
What is FinReview™ and do I need it? +
FinReview™ is an optional paid advisory service for SMEs whose FinSOUQ score is too weak for immediate matching. It's a structured financial improvement program. You only need it if your score genuinely warrants it.
Does FinSOUQ guarantee financing? +
No. FinSOUQ is a matching and introduction platform. Final credit decisions rest with the financing partner. Our role is to ensure your profile reaches the right lenders in the best possible light.
How long from score to introduction? +
Your FinSOUQ Credit Score is generated instantly upon completing the financial data form — no waiting required. Partner introductions typically follow within 3–7 business days of document submission, subject to completeness. FinReview™ engagements add 2–4 weeks depending on scope and complexity.
What industries does FinSOUQ serve? +
We serve all UAE-licensed SMEs across trading, F&B, construction, logistics, healthcare, technology, and professional services. Sector-specific lenders in our network cover the majority of commercial activities.