Digital services

Practical online tools, with a new service added whenever it is ready.

Digital services available

Online tools that help you understand your business's financial position. One account signs you in, and each service is activated after we review your request.

Financial & credit analysis

Available now

Multi-year financial statement analysis, with an optional credit bureau (PMA) report for credit officers, ending in a score, an advisory recommendation and a report. Note: the English interface is partial; some screens and the report are still in Arabic.

  • Inputs: Company details and 2–5 years of statements (Excel, Word, PDF, images or manual entry); the bureau report is optional, for credit officers.
  • Outputs: Ratios, cash flow, a score against the policy, an advisory recommendation, and a PDF/Excel report.
  • Access: A TRUST account approved by TRUST; activation within 24 working hours of payment confirmation.
  • Cost: Try it free: one analysis showing the results and dashboard. One monthly subscription for both tools: $10 launch price for the first 10 subscribers, including the final report and exports.

Smart CFO

Available now

Upload your trial balance to start preparing your financial statements and analysing performance. Add budget and prior-period data to compare results and build forecasts, with commentary explaining the findings and their limitations.

  • Inputs: Trial balance (required); budget, prior periods and receivable/payable ageing (optional). Excel or CSV up to 25 MB.
  • Outputs: Financial statements, derived cash flow, budget and prior-year comparisons, trends, working capital, and a report.
  • Access: The same TRUST account, approved by TRUST; activation within 24 working hours of payment confirmation.
  • Cost: Try it free: your statements and comparisons on screen. One monthly subscription for both tools: $10 launch price for the first 10 subscribers, including the final report and exports.

Tools in development

Not available yet; no launch date has been set.

  • Financing readiness checkQuick questions that end with a first assessment of how ready your business is to apply for financing, and what it is missing.
  • Instalment & financing calculatorWork out the monthly instalment and total cost of a loan, murabaha or lease financing before you decide.
  • Simple feasibility studyReady-made templates that help you build a first feasibility study for an idea or an expansion.
  • Sector benchmark comparisonCompare your business's financial ratios with the averages of your sector to see where you stand among similar businesses.
Need a service that is not listed? We build new tools around what our clients need. Contact us and suggest what would help.
The digital tools provide supporting analysis and do not replace a specialist's review; the financing decision rests with the lender.