Mizan ميزان · forward affordability
Passes the rules. Breaks the borrower.
In Saudi, a BNPL purchase can clear SAMA’s DBR ceiling, the SAR 10,000 cap and a clean SIMAH file — and still tip the borrower past what they can carry a month or two later. Mizan is the forward-affordability layer a lender runs to catch the loans that are compliant but not affordable.
It does the forward, volatility-aware math the rules skip — and is willing to say “this much instead.” Mizan isn’t the lender — it’s the check the lender runs before it says yes.
Follow one iPhone purchase, end to end
At the checkout →
A shopper taps “Pay in 4” on an iPhone 17 Pro Max.
Behind the decision →
Step into the lender’s underwriting desk.
How it works →
The thesis, the method, and the honest scope.
The proof →
The measured backtest — the over-extensions Mizan catches that the rules clear, without over-declining good borrowers.
The rules say what’s allowed. Mizan says what holds.