The workflow layer for developer financing claims.
Submit once. Route automatically. Track live. Evidence everything.
Uppermost replaces fragmented PDF-and-email claim workflows with a single timestamped workflow between developers and banks — reducing cycle time from 30+ days to under 10.
- Submitted09:14:02
- Routed → ANB09:14:07
- Under review09:42:18
- Disbursement—
Three frictions, repeated on every claim.
- 01
Manual document handling
Spreadsheets, PDFs, and email threads carry the cost of every claim — and the risk of every error.
- 02
Disbursement delays
Cycle times of 30+ days lock working capital inside the workflow instead of inside the project.
- 03
Weak status visibility
Finance, operations, and the bank rarely share the same view of where a claim actually stands.
Mortgage outstanding · SAMA 2025
Off-plan contracts · REGA
Homeownership 2024 · Vision 2030 target
One workflow. One source of truth.
A single timestamped surface for every claim — from submission to disbursement — shared between developer and bank.
Claim submission
Structured intake, validated once.
Bank routing
Automatic, rules-based, per facility.
Live status tracking
Shared visibility, end to end.
Audit trail
Timestamped evidence on every step.
A focused, fundable market.
Vision 2030 has restructured how mortgages are originated and how developers are financed. Tens of billions of SAR move through claim workflows every year — across a small, identifiable set of Wafi-licensed developers and their banking partners.
Estimate the impact on your book.
Plug in your claim volume and cycle time. We model the working capital released and the operational cost removed each year.
We are onboarding a small cohort of Saudi developers.
Each participant receives direct configuration support, private rollout guidance, and a seat in the product council.