Abwab.ai x SalesFine: A Case Study in Smarter SME Lending

June 26, 2025

SalesFine - A Fintech Fueling SME Growth in Saudi

When we think of fintechs disrupting the B2B payment space in Saudi, SalesFine tops the list.

Born in 2023 but built on years of insight, SalesFine is not just another payment solution. It’s reshaping how vendors and SMEs manage cash flow, credit, and growth. From day one, their team made it clear: simplify payments, empower vendors, and let small businesses thrive.

And that’s exactly what they’ve done.

By bridging suppliers and buyers with a seamless payment infrastructure, SalesFine has turned what used to be painful back-and-forth into instant, trusted transactions. Flexible credit terms, real-time dashboards, and automated flows are all part of their playbook.

They’ve scaled fast, but they’ve scaled smart; prioritizing innovation, transparency, and service at every touchpoint. That’s why when they came to us at Abwab.ai, we knew this was more than a client. It was a partnership between two teams that think alike, move fast, and build for impact.

SalesFine ’s story is just getting started and we’re proud to be a chapter in it.

The Pre‑Abwab Reality

SalesFine has been on a mission to empower Saudi SMEs with smarter, more flexible financing. Their platform made it easier for small businesses to access credit but behind the scenes, the process was anything but smooth. Underwriting was manual. KYC took days. Each application meant stacks of paperwork, back-and-forths, and slow approvals. It was clear: the vision was bold, but the engine needed an upgrade.

Pain points included:

  • Time: average loan approval took 7–10 days

  • Risk: limited data led to misjudged credit decisions

  • Client experience: slow approvals hurt trust and growth

Understanding the broader environment highlights why SalesFine turned to automation:

  • SME lending in 2024 grew 27.6% YoY, reaching SAR 351.7 billion (≈$94 billion) - Saudi Central Bank – SAMA

  • Digital lending market hit US$42.5 billion in 2024, projected to reach $56.2 billion by 2030 (CAGR 13.45%) - TechSci Research

  • Digital SME lending aims to cover 20% of total SME credit (~SAR 103 billion) by 2030 - Redseer Strategy Consultants

These numbers underscore the massive credit gap (~SAR 300 billion), and a fast-growing fintech market pushing to close it.

🇸🇦 KSA is catching up — SME digital lending could be the key to unlocking healthy credit growth.

SMEs drive 30% of GDP but get just 10% of credit — digital lenders can help close this gap.

The Transformation

To match this momentum, SalesFine integrated Abwab.ai’s AI-powered credit engine. They integrated Abwab’s SaaS-powered credit engine, automating underwriting, and speeding up KYC checks. Results were immediate and impressive.

Post-integration, SalesFine saw explosive improvements:

These numbers tell only part of the story. The real shift was in how SalesFine ’s team operated. Instead of spending hours on manual checks, they could now focus on serving customers, refining products, and scaling operations. Loan applications that once sat in queues for days were now being approved in less than 24 hours with zero compromise on compliance or risk standards.

Our credit engine didn’t just accelerate decisions but also empowered smarter ones. By plugging into alternative data, behavioral insights, and AI-powered scoring; SalesFine was able to identify higher-quality borrowers, reduce false declines, and expand credit access responsibly.

What once felt like a linear process became a loop of continuous learning. Every approval, every repayment, every signal fed the system, making it sharper and more predictive. This is what underwriting should feel like in 2025: fast, smart, and adaptive.

Strategic Impact: Scaling for Vision 2030 🇸🇦

The results were not just operational but also strategic. With Abwab.ai powering faster credit decisions, SalesFine enabled more SMEs to access working capital precisely when it mattered. AI-driven risk scoring led to fewer defaults and smarter lending decisions, while the digital-first infrastructure aligned seamlessly with Saudi Arabia’s fintech ambitions. As a result, SalesFine positioned itself as a frontrunner in SME lending, contributing to a market growing at 27% year-over-year.

Looking Ahead – A New Chapter in SME Finance

This case study demonstrates how strategic partnerships and AI-powered technology can transform SME lending in Saudi Arabia. By integrating Abwab.ai’s intelligent underwriting, automated KYC, and risk management tools, SalesFine achieved significant improvements in speed, cost-efficiency, and loan quality. Together, the two companies have not only streamlined SME financing but also played a key role in advancing the Kingdom’s fintech ecosystem and economic empowerment goals.

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