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Credit Rating

TAL's Credit Rating Methodology Evaluates Each Financing Opportunity Using Financial, Credit, & Operational Criteria To Assess Its Level Of Risk & Support Informed Investment Decisions.

Credit Rating Criteria

We assess each financing opportunity using a range of criteria to determine creditworthiness and evaluate risk.

At TAL, we recognize that target segments may not have audited financial statements—or financial statements at all. Therefore, a system was developed in collaboration with local and international consultants to infer the company's risk level without relying on financial statements, which the criteria are based on.

Important Notice

Credit ratings are intended to support informed investment decisions and should not be considered a guarantee of repayment or investment performance. Investing in SME financing involves risks that may result in the partial or total loss of invested capital.

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Important Notice

TAL conducts due diligence in assessing and evaluating investment opportunities listed on the platform, including their associated risks and the suitability of financing applicants. This process includes verifying the accuracy of the information and documents submitted by financing applicants in compliance with the requirements and regulations of the Saudi Central Bank (SAMA), as well as assigning a credit risk rating and providing a comprehensive overview of each investment opportunity to support informed investment decisions.

The listing of any investment opportunity on TAL platform does not constitute investment advice, a recommendation, or a guarantee to invest or provide financing. Investing in these opportunities may expose participants to substantial risks, including the potential loss of some or all of the investment amount if the beneficiary company defaults.