Launching soon in the UAEGet early access

Working capital that works

Apply online and get an answer in one day

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The gap

Financing hasn't kept up with how businesses grow

Businesses run on real orders, real invoices and real cash. Yet financing still turns on paperwork, property and a one-size-fits-all scorecard

Typical bankaltcred
Faster answersWeeks to months1 day target
Tailored structuresFixed templatesShaped to cash flow
Flexible collateralPersonal guarantees and securityCash flow and invoices count
What we offer

Lending that reads how you trade

altcred looks at how your business trades, alongside what it owns

Conversational AI

Apply in a conversation, not a form. Built on credit intelligence that understands your business

Fast decisions

Built to give you an answer within the same day

Clear at every step

Every step is explained, so you can follow it and act on it

Flexible terms, dynamic pricing

Terms built around how cash comes into your business, with pricing that reflects the information you share and the monitoring you allow

How we make decisions

Your business data makes the case

Fewer forms, less paperwork. Connect the records you already keep and we build the picture from those

Invoices you issue
What you bill, to whom, and how often
Invoices you receive
What you owe suppliers and when it is due
Payment timing
How long your customers take to pay
Customer mix
How much of your sales comes from your top customers
Seasonal patterns
Busy and quiet months, so limits fit your year
Bank activity
Money coming in and going out of your accounts
Purchase orders
Orders won that are not invoiced yet
Supplier terms
When you must pay to keep stock coming
Accounting records
Sales, purchases and payments from your books
Growth trend
Whether your revenue is rising, flat or falling
Behind the scenes

How altcred works

Specialist AI agents, working from one intelligence layer and data platform

  1. Intake
    Reads documents into one clean file
  2. Cash flow
    Understands how you trade
  3. Verification
    Checks data is genuine
  4. Decision
    Same criteria, every time
  5. Guidance
    Turns answers into next steps
  6. Disbursement
    Moves approved funds
L1Intelligence coreModels and rules the agents share
L2Governed data layerChecked, consistent, access-controlled
L3Your connected recordsBank, ERP, VAT and invoices

A team with decades of hands-on credit experience

Our team has structured over USD 2 bn in credit for blue-chip enterprises as well as fast-moving SMEs. Our vision is to bring best-in-class lending expertise to SMEs

Experience from

  • Goldman Sachs
  • TruKKer
  • Klub

Be there at the start

Two ways to get involved

Get early access

For business owners. One email when we launch, nothing else

We'll only use your email to tell you when altcred launches. You can ask us to remove it at any time

Partner with us

For sales agents, referral partners and platforms

We'll use these details only to reply to you