Safqa combines a structured system of record with specialized AI agents that execute your fund's workflows, from origination through portfolio surveillance, with native Shariah compliance built in.
Private credit in the Gulf is maturing rapidly. Regulatory frameworks in DIFC, ADGM, and Saudi Arabia are attracting institutional capital. Fund sizes are growing. Deal complexity is increasing. But the teams managing these funds still operate on spreadsheets, email threads, and manual processes that do not scale.
GCC credit funds run deal flow on spreadsheets, track covenants in Excel, store documents across shared drives, and coordinate due diligence over email. There is no single system that holds the operational truth of the fund.
AAOIFI structure mapping, SSB coordination, fatwa condition tracking, and purification calculations are handled through external advisors and ad hoc processes. Nothing is centralized. Nothing is auditable in one place.
Every new deal means more analyst hours on DD extraction, credit analysis, covenant monitoring, and reporting. There is no way to increase deal velocity without proportionally increasing team size.
Safqa brings together two layers that do not exist in combination anywhere else for private credit.
The structured, versioned, auditable database where every deal, counterparty, covenant, cash event, compliance item, and document lives. Relational, not flat files. Versioned, not overwritten. Every state change tracked. The single source of truth for your fund's operations.
Specialized AI agents that execute credit fund workflows: market research, originations, credit analysis, underwriting, covenant monitoring, risk analytics, compliance tracking, and Shariah structuring. Every agent reads from and writes to the system of record. Every output is stored, versioned, and auditable.
The agents produce the work. The system of record holds the truth. Together, they give your fund a complete, reconstructable operational history for every deal and every portfolio position.
Market intelligence, target company identification, prospect research, and outreach preparation. Pipeline tracking from first contact to qualified opportunity.
Agents: Market Intelligence, Sales and BD
VDR document processing and data extraction. Due diligence gap analysis and DDQ management. Red flag identification with supporting evidence. Structured DD packages ready for credit analysis.
Agent: DD Analyst — Days of manual extraction compressed to hours.
Full borrower credit risk assessment, internal rating assignment, comparable analysis, and scenario modeling. Screening scorecards for pipeline qualification. Complete IC memoranda that meet institutional standards.
Agent: Credit Analyst — IC memo drafts produced in hours, not weeks.
Covenant package design, leverage analysis, and term sheet support. For Islamic transactions: structure selection across Murabaha, Ijara, Diminishing Musharaka, and Sukuk, with AAOIFI compliance mapping and SSB presentation materials.
Agents: Credit Analyst, Legal and Documentation, Shariah
Automated covenant testing with full calculation transparency. Early warning system tracking both financial deterioration and operational slippage signals. Portfolio-level concentration analysis, stress testing compliant with DFSA, FSRA, CMA, and CBB requirements.
Agent: Risk Analyst
LP reporting, regulatory compliance calendar management, board pack preparation, and filing support. For Islamic funds: Shariah compliance monitoring, fatwa condition tracking, and purification calculations.
Agents: Compliance and Operations, Shariah
The Shariah layer is a cross-cutting overlay, not a separate module. When a deal or fund requires Islamic compliance, it activates across every relevant workflow. A single fund can manage conventional and Shariah-compliant deals in the same portfolio.
Analysis and recommendation across Murabaha, Ijara, Diminishing Musharaka, and Sukuk structures. Each recommendation mapped against applicable AAOIFI standards (FAS 2/28, FAS 4, FAS 8/32, FAS 17/33).
Preparation of Shariah Supervisory Board presentation materials, fatwa request documentation, and condition tracking. All materials formatted for SSB review workflows.
Fatwa condition monitoring integrated into portfolio surveillance. Shariah compliance status tracked alongside financial covenants. Automated alerts when conditions require attention.
Automated purification calculations at deal and portfolio level. Auditable methodology. Charity allocation tracking.
All Shariah outputs are analytical support for qualified review. Safqa does not issue fatwas or binding Shariah opinions.
Data residency in the Middle East. Jurisdiction-aware across DIFC, ADGM, Saudi Arabia, Bahrain, Malaysia, and Singapore. Regulatory calendars, filing deadlines, and compliance requirements built into the platform per jurisdiction.
IC memos, credit risk assessments, and DD packages produced to the standard that survives LP due diligence and regulatory examination. Sourced, structured, and complete.
Every agent action, every document version, every decision point, and every reviewer approval logged and queryable. The full operational history of your fund, reconstructable at any point.
Custom IC memo formats, DD scope requirements, screening scorecard weights, reporting cadences, and Shariah preferences. Set up once during onboarding. Agents adapt to your standards, not the other way around.
We set up your fund: jurisdiction, credit policy, templates, screening criteria, reporting cadences, and Shariah preferences. Your system of record is structured to how you operate.
Your team triggers workflows through the platform. Agents produce deliverables. Everything is stored, versioned, and auditable in your system of record. Human review at every step you choose.
Increase deal velocity without proportional headcount. The agent ecosystem handles the volume. Your team focuses on decisions, relationships, and portfolio management.
Input your transaction parameters to receive a Sharia-compliant financing recommendation with detailed cash flow analysis.
Adjust the parameters and click "Analyze Structures" to receive your Islamic financing recommendation.