Credit Rating & Financing Requests At Raqamyah

How Does Raqamyah Evaluate Financing Requests? And What Determines Your Company's Credit Rating?

Credit ratings have become one of the most important tools that financing platforms rely on to assess companies and make funding decisions. Simply put, it's a measure of how capable a company is of meeting its financial obligations and repaying financing on time. But a credit rating isn't just about profits or company size — it covers a wide range of factors including financial stability, cash flows, management quality, and the company's credit history.

As the digital financing sector has evolved, credit rating systems have become more precise and transparent, driven by integrated data analysis that allows for faster, clearer risk assessment.

At Raqamyah specifically, the credit rating plays a central role in determining whether a company qualifies for financing. We use a comprehensive evaluation model that examines a company's financial, operational, and managerial standing — then translates that data into a clear rating that gives investors the confidence to make informed decisions.

Understanding how this rating works helps you improve your chances of getting approved, and gives you a clearer picture of your business's strengths and weaknesses — so you can build a more stable, investor-attractive company.

What Is Raqamyah's Credit Rating System?

The credit rating is the evaluation system we use at Raqamyah to measure the level of risk associated with each company applying for financing. It draws on a combination of financial, operational, and managerial data, and the result is converted into a score from 0 to 10. Companies are then placed into clearly defined categories such as:

• A+
• A
• B
• C

This rating is the first thing an investor sees when browsing a financing opportunity on the app — so think of it as the face your company presents to potential investors.

How Does the Financing Evaluation Process Work at Raqamyah?

Stage One: Application & Initial Screening

The process begins when a company submits a financing request through the Raqamyah platform along with the required documents. At this stage, we typically look at:

• SIMAH credit report
• Revenue and profitability
• Business age
• Industry sector
• Current financial obligations

Within a short timeframe — usually 3 business days — the company receives an initial response: either an approval to move forward, or a decline with a clear explanation of the reasons.

This is one of the key advantages of crowdfunding through Raqamyah: speed and transparency.

Stage Two: Risk Assessment

If a company passes the initial screening, it moves into a more detailed evaluation. This is where the most important question comes in:

What factors actually influence the credit rating?

1. Financial Performance — Why It Makes Up Nearly Half the Score

This covers a review of:

• Profitability
• Cash flows
• Liquidity
• Debt levels
• Operational efficiency

At Raqamyah, we don't just look at current numbers — we study how the company has performed over time. Is revenue stable? Is there real growth? Are cash flows consistent? All of these details directly impact the rating.

2. Does Your Industry Affect Your Financing Chances?

Yes — significantly. Industry and competitive positioning account for roughly 40% of the evaluation.

Even if a company's numbers look solid, operating in a sector that's facing decline or heavy volatility can pull down the final rating. That's because we don't just look backward at historical data — we also assess the company's ability to sustain itself going forward.

This is why companies with a clear, strong competitive advantage within their sector tend to score better.

3. Does Management Quality Affect the Credit Rating?

Yes — management quality accounts for 10% of the final score. During the site visit or interview, we evaluate:

• The management team's experience
• Their understanding of the business and market
• Their ability to manage risk
• The clarity of their growth and operational plans

Strong management signals that a company can navigate challenges and maintain long-term sustainability — and that naturally builds investor confidence.

What Happens After the Evaluation Is Complete?

Once all assessment stages are finished, the company receives a final credit rating. This rating determines:

• Whether the financing opportunity will be listed for investors
• The profit margin (murabaha rate)
• The risk level associated with the company

If the risk score exceeds the acceptable threshold, the request may be declined and not listed on the platform.

Credit Rating Chart

Why Do Two Companies With the Same Rating Have Different Profit Margins?

The answer is straightforward: the letter rating you see isn't the exact score.

Two companies might both carry an "A" rating, but one scored 8.8 while the other scored 8.1. That difference affects the final pricing and profit margin — even if the ratings look the same on the surface.

How to Improve Your Company's Chances of a Better Credit Rating

If you're preparing to submit a financing request, there are 3 key things to pay attention to:

• Get Your Financial Statements in Order: Financial statements make up the largest portion of the evaluation. The cleaner, more audited, and better organized your financial data is, the stronger your chances of securing a higher rating.
• Build a Strong Management Team: The field interview isn't just a formality. How clearly you explain your business, how well you understand your numbers, and how confidently you present your growth plans — all of these factor into the final decision.
• Address Industry Challenges Head-On: If your sector is facing headwinds, it's important to show how you're navigating them and what sets your company apart from the competition.

In Summary

Raqamyah's credit rating isn't just a letter — it's a comprehensive system designed to create a more transparent and fair financing environment. The better you understand how the evaluation works, the better positioned you'll be to present your company in a way that reflects its true strengths, builds investor confidence, and improves your chances of securing the right financing.

investments are fully Sharia-compliant and licensed by the Saudi Central Bank (SAMA) — making crowdfunding a highly secure and trusted investment avenue, with the platform overseeing your investment and monitoring the companies you've funded every step of the way.

Disclaimer: This article is for educational purposes only and does not constitute comprehensive investment advice. We recommend reading all terms and conditions and reviewing the full investment details on the Raqamyah crowdfunding platform.