Kredal Docs
Reference

Scoring Engine

Categories, weights, rules, fixes, and risk bands. Generated from the scoring rules.

Generated file. Do not edit by hand — run npm run docs:gen. Source: kredal-app/src/lib/scoring/rules.ts.

Kredal's readiness score is deterministic (TECH_SPEC.md §6). Each of the seven categories starts at its maximum and loses points for specific gaps; every deduction produces a flag with a severity and a plain-language fix. To change scoring, see Add a scoring rule.

Categories and weights (100 points total)

CategoryMax pointsRules
Document completeness259
Identity & ownership consistency156
Source-of-funds strength154
Business activity clarity154
Bank fit103
UAE founder/company history103
Compliance readiness103

Risk bands

Overall scoreRisk level
80–100Low
55–79Medium
0–54High

Rules by category

Document completeness (25 points)

Rule−PointsSeverityIssueFix
doc_trade_license_missing10highTrade license not uploaded.Upload a clear copy of your current trade license.
doc_owner_passport_missing6highOwner passport not uploaded.Upload a passport copy for each owner.
doc_emirates_id_missing_for_resident5mediumEmirates ID missing for a UAE-resident owner.Upload the Emirates ID for each UAE-resident owner.
doc_moa_missing_multi_owner5mediumMOA/AOA missing for a multi-owner entity.Upload the Memorandum/Articles of Association.
doc_ubo_declaration_missing6highUBO declaration not uploaded.Upload a signed UBO (Ultimate Beneficial Owner) declaration.
doc_tenancy_missing4mediumTenancy or office agreement not uploaded.Upload your Ejari or free-zone office agreement.
doc_business_plan_missing4mediumNo business plan or company profile uploaded.Upload a business plan or company profile document.
xdoc_license_expired6highThe uploaded trade license has expired.Renew the trade license and upload the current one — banks will not open an account against an expired license.
xdoc_passport_expired5highThe uploaded owner passport has expired.Renew the passport and upload the current copy before applying.

Identity & ownership consistency (15 points)

Rule−PointsSeverityIssueFix
own_no_owners8highNo ownership information added.Add every shareholder in the questionnaire's ownership section.
own_percentages_not_1008highOwnership percentages do not sum to 100%.Correct owner shareholding percentages so they total 100%.
own_ubo_over_threshold_no_declaration8highAn owner controls 25%+ but no UBO declaration is on file.Upload a UBO declaration naming this owner.
own_nationality_missing4mediumOwner nationality is missing for one or more owners.Add nationality for every owner.
xdoc_license_name_mismatch6highThe company name on the uploaded trade license does not match the profile.Make the company profile's legal name match the trade license exactly, or upload the correct license.
xdoc_passport_name_mismatch5highThe uploaded passport's name does not match any listed owner.Add the passport holder as an owner, or correct the owner's name to match the passport exactly.

Source-of-funds strength (15 points)

Rule−PointsSeverityIssueFix
sof_no_explanation10highNo source-of-funds explanation on file.Answer the source-of-funds question in the questionnaire.
sof_no_evidence8highNo supporting evidence for source of funds.Upload savings statements, sale proceeds, or prior salary evidence.
sof_high_risk_corridor_no_narrative5highHigh-risk corridor exposure with no explanation.Explain the business reason for transacting with this jurisdiction.
sof_large_turnover_no_contracts5mediumLarge expected turnover with no supporting contracts or invoices.Upload sample invoices or contracts that support your expected turnover.

Business activity clarity (15 points)

Rule−PointsSeverityIssueFix
act_license_code_missing7mediumLicense activity code missing.Add your trade license activity code(s) to the company profile.
act_conflicts_with_license8highActual business activity conflicts with the trade license.Amend your trade license activity or align your operations with the licensed activity before applying.
act_high_risk_activity5mediumBusiness activity may be classified as high-risk by banks (crypto, money exchange, precious metals, arms, or gambling).Prepare a detailed compliance narrative and expect enhanced due diligence from the bank.
act_description_too_generic4mediumBusiness activity description is too generic.Describe specifically what your business does, who it sells to, and how.

Bank fit (10 points)

Rule−PointsSeverityIssueFix
bank_no_target3mediumNo target bank selected.Choose a target bank so the checklist can be tailored to their requirements.
bank_min_balance_mismatch3mediumTarget bank expects a higher minimum balance than expected turnover supports.Consider a digital-first bank (e.g. Wio) or plan for a higher minimum balance.
bank_company_under_3_months3mediumCompany is under 3 months old.Some banks are stricter with very new companies — apply with a strong business plan and source-of-funds narrative.

UAE founder/company history (10 points)

Rule−PointsSeverityIssueFix
uae_limited_residency5mediumOwner has limited or no UAE residency history.Add UAE residency details, or expect additional bank scrutiny as a non-resident applicant.
uae_previously_rejected3mediumPreviously rejected by a bank.Address the prior rejection reason directly in your resubmission narrative.
uae_company_under_6_months2mediumCompany has under 6 months of operating history.Strengthen your file with a detailed business plan and any early contracts or invoices.

Compliance readiness (10 points)

Rule−PointsSeverityIssueFix
comp_corporate_tax_unknown4mediumCorporate tax status unknown.Confirm your corporate tax registration status with the FTA.
comp_vat_unknown_near_threshold3mediumVAT status unknown while turnover is near the registration threshold.Confirm whether VAT registration is required at your expected turnover.
comp_wps_unknown3mediumWPS setup status unknown despite having employees.Confirm WPS (Wage Protection System) registration before your first payroll run.

Generated from 32 rules across 7 categories.

On this page