Beehive Fintech Partners with Perfios to Transform Underwriting and Accelerate Loan Decisions by 48%

In a landmark move to revolutionize SME lending, Beehive Fintech has partnered with Perfios to digitize and optimize its underwriting process — achieving a 48% improvement in loan decision speed.

The collaboration between Beehive, a leading peer-to-peer (P2P) lending platform in the MENA region, and Perfios, a global B2B SaaS fintech company specializing in financial data aggregation and analysis, highlights the growing role of AI-driven automation in transforming credit evaluation and risk management.

A Step Forward in SME Financing

Beehive Fintech has built its reputation by providing quick and transparent access to finance for small and medium enterprises (SMEs) that often struggle to obtain traditional bank loans. The company uses advanced technology to match businesses seeking funding with investors looking for attractive, risk-adjusted returns.

However, the traditional underwriting process—though data-driven—still required extensive manual verification and evaluation, leading to longer turnaround times. To address this bottleneck, Beehive partnered with Perfios to introduce a more intelligent, automated solution that enhances both efficiency and accuracy.

With Perfios’ robust data analytics capabilities, Beehive’s team can now process and analyze a wide range of borrower data — from financial statements to transaction histories — in a fraction of the time. This advancement has resulted in a 48% reduction in loan decision turnaround time, empowering businesses to access much-needed funding faster than ever before.

AI-Powered Decision Making

Perfios’ technology leverages artificial intelligence and machine learning to automate data collection, extraction, and analysis from multiple sources. The system offers real-time insights into a borrower’s creditworthiness, financial health, and repayment potential.

For Beehive, this integration means a seamless, end-to-end credit assessment process that minimizes human error while improving decision accuracy. The automated model also allows the company to handle larger loan volumes efficiently — an essential feature as Beehive continues to scale across regional markets.

According to the companies, this transformation not only enhances speed but also improves transparency and consistency in lending practices, ensuring fairer assessments for SME borrowers.

A Shared Vision for Financial Inclusion

Both Beehive and Perfios share a commitment to supporting underserved businesses through technology-led financial inclusion.

By digitizing the underwriting process, the partnership is removing one of the key obstacles SMEs face: slow, documentation-heavy approval processes. The integration empowers Beehive to make faster, data-backed lending decisions, reducing friction in financing while maintaining responsible credit standards.

Beehive’s Founder and CEO, Craig Moore, emphasized that the collaboration aligns with the company’s mission to simplify SME financing and foster business growth across the MENA region. “By leveraging Perfios’ technology, we can make lending faster and smarter, which directly benefits the entrepreneurs and small businesses driving economic progress,” he said.

Perfios’ Co-founder and CEO, Sabyasachi Goswami, added, “Our partnership with Beehive demonstrates how technology can transform financial services. Perfios is proud to support Beehive’s journey in building a more transparent, data-driven lending ecosystem.”

Transforming the Lending Ecosystem

This partnership also represents a broader trend within global fintech: the move toward AI-driven credit assessment and data-centric lending platforms.

Traditional underwriting often depends heavily on collateral and historical credit data — a process that disadvantages newer or smaller businesses. With Perfios’ analytical tools, Beehive can evaluate non-traditional data such as cash flow patterns, supplier payments, and real-time business transactions, making credit more accessible to SMEs with limited financial history.

By reducing turnaround time and improving data accuracy, Beehive and Perfios are setting new benchmarks for operational excellence in digital lending. Their success could serve as a blueprint for fintech players seeking to modernize credit decisioning without compromising compliance or risk management.

Driving Efficiency and Trust

One of the key outcomes of this collaboration is improved customer experience. Businesses applying for financing through Beehive can now receive responses much faster, often within hours rather than days.

This efficiency not only increases Beehive’s competitiveness in the fintech market but also strengthens investor confidence. Quicker, more accurate underwriting means more predictable outcomes — a critical factor for investors funding SME loans through the platform.

Moreover, Perfios’ secure data aggregation ensures full compliance with privacy and regulatory standards, reinforcing the trust between lenders, investors, and borrowers.

Regional and Global Implications

The Beehive-Perfios partnership extends beyond operational gains — it underscores the strategic evolution of fintech collaboration in the Middle East.

As countries like the UAE, Saudi Arabia, and Bahrain continue to push digital transformation agendas, collaborations like this one signal a new era of intelligent finance infrastructure.

By bringing together local market expertise and global technological innovation, Beehive and Perfios are demonstrating how partnerships can unlock faster, fairer, and more scalable financial ecosystems.

The Road Ahead

Beehive Fintech plans to continue enhancing its lending capabilities through data science and predictive analytics. With Perfios’ AI infrastructure, the company aims to scale further across the MENA region while maintaining its hallmark speed, accuracy, and transparency.

The partnership’s success could inspire similar collaborations between financial institutions and data intelligence companies, accelerating fintech innovation worldwide.

As the fintech landscape evolves, Beehive and Perfios stand as a testament to how technology can create tangible, measurable impact — driving not only faster loan approvals but also greater financial empowerment for businesses that form the backbone of economic growth.

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