Trade Credit Intelligence
سجّل الائتمان. اعرف المخاطر. احمِ إيراداتك.
When you deliver now and get paid later, you're lending to your buyer. TagMyCredit lets suppliers record that credit, have the buyer confirm it, and see a shared risk score before they ship again.
No credit cardFree forever on Starter3 min setup
Credit line ID · TCL-AE-0847291
Supplier TMC-ID · TMC-AE-…
How it works كيف يعمل
Supplier side, start to finish. The small screens are examples, not live fields.
Enter the buyer, the amount and the payment terms, e.g. AED 2.4M on Net 90.
They get a one-time code (OTP). Both sides confirm, so every tagged line is agreed by the buyer.
A 0–1000 score built from every supplier's tags, and an alert when a buyer defaults with another supplier.
Who it's for
Check a buyer افحص المشتري
Pick an example buyer. The screen updates the way a supplier's view would: one score, four signals, no private numbers.
Example buyers
Illustrative companies and figures.
You never see which other suppliers are involved or exactly what they're owed. That's the AAI rule: Anonymous Aggregated Intelligence, only combined, anonymous signals.
The obvious question after seeing that demo: what do other members see about you?
Privacy by design ذكاء بلا انكشاف
Your competitors never see your data. The network sees only what protects everyone.
“You deposit data into a trust vault. You receive intelligence in return.”
Supply chain intelligence
In shortBig projects pay down a chain of companies; if the top pays late, everyone below feels it. Press the button to watch it happen.
A real NEOM scale project. 14 companies across 4 tiers. 18 credit relationships. One government payment delay at Tier 0 cascades through the entire chain. TagMyCredit maps every connection, scores every node, and detects concentration risk before it becomes a cascade.
Payments are flowing normally. Press Simulate to send a 60-day payment delay down from the project owner.
Selected company · hover, tap or focus any box
PIF Authority
Why
The project owner. It pays the three main contractors, so every payment on this map starts here.
Payment flows down · credit risk flows up
A material supplier isn't only a lender. It's also a borrower: it buys raw materials on credit, pays wages and rent every month, and draws on a bank working-capital line. When its buyers pay late, the cash it was counting on doesn't arrive, but its own bills still fall due.
How the network spots it
In this example, a company is marked default once it is 50 or more days late paying what it owes. Companies and scores are illustrative.
The gap · why this exists
In shortA supplier can check a buyer's licence and references, but not what that buyer owes everyone else.
1/3 · The decision
His buyer, a Tier 1 EPC contractor, passed every check. He extends 90-day credit. Ahmed's assessment: LOW RISK.
2/3 · The hidden reality
The contractor is already behind with other suppliers. No system records trade credit, so none of it shows up.
3/3 · The cascade
A cascade: one late payment at the top travels down every tier. Ahmed finds out months later.
The invisible market
In shortNobody keeps a shared record of who owes suppliers money.
Globally, $11 trillion in B2B trade credit changes hands every year. Supplier to buyer, on trust. Credit bureaus don't track it. Banks don't see it. No system scores it. It's the largest unmonitored financial exposure on earth.
Consumer credit: fully instrumented. B2B trade credit: zero infrastructure.
01 Tag · 02 Score · 03 Protect
In shortThe supplier logs the credit; the buyer confirms it; the network learns it exists without learning who.
Fatima is CFO at Al Noor Distribution in Dubai. She tags a AED 2.4M credit line to a retail chain. The buyer confirms via OTP. Both parties are verified. Both stay anonymous.
TCL-AE-0847291Neither party's identity is exposed to the network. Only aggregated intelligence flows. If the retailer starts paying others late, its score drops and Fatima is alerted before her invoice is overdue.
The opportunity الفرصة
In shortConsumer credit got a shared score decades ago. Gulf trade credit is bigger and still has none.
Saudi Vision 2030 alone commits $3.3 trillion. UAE, Qatar, Oman, Bahrain, and Kuwait add $1.3 trillion more. 80% of UAE commerce is B2B. Every dirham flows through supply chains with zero credit visibility. This is the largest addressable market for B2B credit intelligence on earth, and it has no incumbent.
Zero B2B credit intelligence infrastructure exists in this market.
In 1989, FICO created a standard score for consumer credit. Today that score underpins a $40 billion industry. Banks, lenders, and insurers all depend on it. But FICO only scores consumer borrowing: personal loans, credit cards, mortgages. B2B trade credit, the $11 trillion market where businesses extend credit to each other, has no equivalent. No score. No standard. No infrastructure. TagMyCredit is building that layer.
The parallel
| FICO | TagMyCredit |
|---|---|
| Consumer loans | B2B trade credit |
| Bank reported data | Supplier tagged data |
| Individual score | Company trade risk score |
| Lender decisions | Credit extension decisions |
| Credit bureaus | Anonymous Aggregated Intelligence |
Same thesis. Larger market. No incumbent.
Every tagged credit line makes the network more valuable for every other participant. More data means better scores. Better scores attract more suppliers. More suppliers create denser coverage. This is a classic network effects business, and in B2B credit, once the network reaches critical mass, switching costs become prohibitive. First mover in the GCC owns the standard.
The Trust Vault
In shortThe Trust Vault is the shared, private store where every tag goes. You put data in; you get scores and alerts out.
TMC aggregates the network and calculates an 8-component risk score, exposing intelligence without leaking raw financials.
4 of the 8 score components shown. Utilization = how much of its available credit the buyer is already using.
How long the money your buyers owe you has been outstanding.
| Buyer | Score | Network Risk | Status |
|---|---|---|---|
| Acme Corp | 680 | Medium | FAIR |
| BuildRight LLC | 520 | High | POOR |
| Delta Supplies | 810 | Low | EXCELLENT |
| EPC Holdings | 740 | Low | GOOD |
Paradigm shift
In shortFaster decisions, earlier warnings, fewer write-offs.
| Area | Without TMC | With TMC |
|---|---|---|
| Credit decisions | Credit decisions take 3–7 days | Credit decisions in under 5 minutes |
| Finding defaults | Defaults discovered 6–12 months later | Alerts in under 30 seconds |
| Visibility | Zero cross-supplier visibility | Full network visibility |
| Bad debt | Bad debt rate: 5–12% | Bad debt rate: 2–5% |
| Supply chain | Supply chain: black box | Every tier tracked, every payment timed |
| Tax reconciliation | Tax reconciliation: 40–60 hours/month | Automated per-transaction reconciliation |
Platform
In shortOne shared record of trade credit, with many tools built on top. Pick a category to see its services.
Your identity
In shortA TMC-ID is your company's permanent ID in the network, like a reference number on a credit file.
A unique, permanent identifier for every company. Anonymous to other members. Your details are never shown on the network.
Like a FICO score for B2B trade credit — built from live supplier data, not bank history.
Hover, tap or tab to a segment to inspect it. The two middle numbers are short fragments of your registration details, used to keep each ID unique.
Get early access
Register your company and get your TMC-ID in under 3 minutes. No credit card required.
FAQ
Everything you need to know about TagMyCredit, trade credit scoring, and the network.
The world's first B2B Trade Credit Intelligence Network. Suppliers tag the credit they give buyers, buyers confirm, and everyone gets risk scores and alerts built from the whole network.
Every registered company gets a unique, permanent ID such as TMC-OM-8397-4521-01-K: prefix, country, tax-ID fragment, registration fragment, sequence and check digit. It is anonymous to other members: your company details are never shown on the network.
The privacy model. You see combined signals about a buyer, such as a score, an exposure range and payment behaviour, never which suppliers are involved or their exact amounts.
Only you see your own credit lines in full. The network sees aggregated intelligence; competitors never see your receivables, balances, statements or transactions.
An 8-component score from 0 to 1000, including payment discipline, utilization, bad debt history and financial strength, updated as tags and payments change.
The network starts in the GCC, with Saudi Arabia and the UAE first.
The Starter plan is free forever. No credit card required.
About 3 minutes to register and get your TMC-ID, then you can tag your first credit line.
توقّف عن التخمين: اعرف بمن تثق.
Register in 3 minutes. Get your TMC-ID. Tag your first credit line — join the network.