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.
| Category | Max points | Rules |
|---|
| Document completeness | 25 | 9 |
| Identity & ownership consistency | 15 | 6 |
| Source-of-funds strength | 15 | 4 |
| Business activity clarity | 15 | 4 |
| Bank fit | 10 | 3 |
| UAE founder/company history | 10 | 3 |
| Compliance readiness | 10 | 3 |
| Overall score | Risk level |
|---|
| 80–100 | Low |
| 55–79 | Medium |
| 0–54 | High |
| Rule | −Points | Severity | Issue | Fix |
|---|
doc_trade_license_missing | 10 | high | Trade license not uploaded. | Upload a clear copy of your current trade license. |
doc_owner_passport_missing | 6 | high | Owner passport not uploaded. | Upload a passport copy for each owner. |
doc_emirates_id_missing_for_resident | 5 | medium | Emirates ID missing for a UAE-resident owner. | Upload the Emirates ID for each UAE-resident owner. |
doc_moa_missing_multi_owner | 5 | medium | MOA/AOA missing for a multi-owner entity. | Upload the Memorandum/Articles of Association. |
doc_ubo_declaration_missing | 6 | high | UBO declaration not uploaded. | Upload a signed UBO (Ultimate Beneficial Owner) declaration. |
doc_tenancy_missing | 4 | medium | Tenancy or office agreement not uploaded. | Upload your Ejari or free-zone office agreement. |
doc_business_plan_missing | 4 | medium | No business plan or company profile uploaded. | Upload a business plan or company profile document. |
xdoc_license_expired | 6 | high | The 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_expired | 5 | high | The uploaded owner passport has expired. | Renew the passport and upload the current copy before applying. |
| Rule | −Points | Severity | Issue | Fix |
|---|
own_no_owners | 8 | high | No ownership information added. | Add every shareholder in the questionnaire's ownership section. |
own_percentages_not_100 | 8 | high | Ownership percentages do not sum to 100%. | Correct owner shareholding percentages so they total 100%. |
own_ubo_over_threshold_no_declaration | 8 | high | An owner controls 25%+ but no UBO declaration is on file. | Upload a UBO declaration naming this owner. |
own_nationality_missing | 4 | medium | Owner nationality is missing for one or more owners. | Add nationality for every owner. |
xdoc_license_name_mismatch | 6 | high | The 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_mismatch | 5 | high | The 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. |
| Rule | −Points | Severity | Issue | Fix |
|---|
sof_no_explanation | 10 | high | No source-of-funds explanation on file. | Answer the source-of-funds question in the questionnaire. |
sof_no_evidence | 8 | high | No supporting evidence for source of funds. | Upload savings statements, sale proceeds, or prior salary evidence. |
sof_high_risk_corridor_no_narrative | 5 | high | High-risk corridor exposure with no explanation. | Explain the business reason for transacting with this jurisdiction. |
sof_large_turnover_no_contracts | 5 | medium | Large expected turnover with no supporting contracts or invoices. | Upload sample invoices or contracts that support your expected turnover. |
| Rule | −Points | Severity | Issue | Fix |
|---|
act_license_code_missing | 7 | medium | License activity code missing. | Add your trade license activity code(s) to the company profile. |
act_conflicts_with_license | 8 | high | Actual 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_activity | 5 | medium | Business 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_generic | 4 | medium | Business activity description is too generic. | Describe specifically what your business does, who it sells to, and how. |
| Rule | −Points | Severity | Issue | Fix |
|---|
bank_no_target | 3 | medium | No target bank selected. | Choose a target bank so the checklist can be tailored to their requirements. |
bank_min_balance_mismatch | 3 | medium | Target 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_months | 3 | medium | Company is under 3 months old. | Some banks are stricter with very new companies — apply with a strong business plan and source-of-funds narrative. |
| Rule | −Points | Severity | Issue | Fix |
|---|
uae_limited_residency | 5 | medium | Owner has limited or no UAE residency history. | Add UAE residency details, or expect additional bank scrutiny as a non-resident applicant. |
uae_previously_rejected | 3 | medium | Previously rejected by a bank. | Address the prior rejection reason directly in your resubmission narrative. |
uae_company_under_6_months | 2 | medium | Company has under 6 months of operating history. | Strengthen your file with a detailed business plan and any early contracts or invoices. |
| Rule | −Points | Severity | Issue | Fix |
|---|
comp_corporate_tax_unknown | 4 | medium | Corporate tax status unknown. | Confirm your corporate tax registration status with the FTA. |
comp_vat_unknown_near_threshold | 3 | medium | VAT status unknown while turnover is near the registration threshold. | Confirm whether VAT registration is required at your expected turnover. |
comp_wps_unknown | 3 | medium | WPS setup status unknown despite having employees. | Confirm WPS (Wage Protection System) registration before your first payroll run. |
Generated from 32 rules across 7 categories.