Everything an entity needs to obtain a SANAD credit rating — why it matters, what we require, and how the process works.
An independent SANAD rating is a recognised signal of creditworthiness that opens doors with lenders, investors, regulators, and partners.
A credit rating widens your access to bank facilities, bonds and sukuk, helping fund investment and growth.
A demonstrated credit profile gives lenders confidence and a wider choice of financing options and pricing.
An independent opinion establishes your standing as a financially sound and transparent counterparty.
A recognised rating supports licensing, tender and procurement requirements that increasingly call for one.
Ratings open doors to new business — joint ventures, alliances and partnerships built on a verified credit standing.
A SANAD grade is a consistent, methodology-driven measure you can track over time and against peers.
A structured, confidential process from engagement to publication and ongoing surveillance.
You request a service online; we review it, agree the scope, and issue a digital engagement contract you accept online — then we assign a qualified analyst team.
We collect audited financial statements, corporate documents and operational information needed for the analysis.
Analysts meet management to discuss strategy, governance, financial policy and outlook.
We apply the relevant methodology — business and financial risk, governance, government support and the transparency overlay.
An independent committee — not the analyst alone — decides the rating, ensuring consistency and segregation of duties.
We share the rating and rationale with you. Public ratings are published with a press release; private ratings stay confidential.
Ratings are monitored and formally reviewed at least annually, or sooner on a material event. A material change to our methodology triggers re-review of every affected rating within six months.
Typical timelines run four to six weeks from receipt of complete information. Before any rating, review or update we notify you of the material information relied on and give you an agreed window to review and comment (Art 16(11)).
Preparing this information up front makes the process faster and smoother.
A full data-requirements pack tailored to your sector is provided on engagement. Information shared with SANAD is treated as strictly confidential.
Start your engagement online — ratings, assessments, valuations, research and data.