Your Outsourced
Credit Department credit control Oman
Mawthiq brings institutional-grade credit control and collections expertise to SMEs in Oman — so your invoices get paid, your relationships stay intact, and your cash flow stays predictable.
8+
YEARS CREDIT RISK, CORPORATE BANKING, RELATIONSHIP MANAGEMENT & DEAL STRUCTURING EXPERIENCE
5
CORE SERVICES
US & OM
INTERNATIONAL BACKGROUND
WHAT WE DO
Built on the Principle that Verified
Transactions Build Trust
Mawthiq — موثق — means a solemn pledge, a binding covenant, and a firm architectural bond. It is the linguistic foundation used in Arabic for the most serious commitments and unshakable agreements. We chose this name deliberately: because everything we do is built around structure, verification, and the trust that comes from a properly managed credit process.
We are not a bank. We are not a factoring company. We are the credit department that most SMEs in Oman have never had — the professional layer that sits between your invoices and your cash and makes sure the two meet on time.
موثق — لأن كل معاملة تجا رية تستحق أن تكون محكمة وموثّقة.
Mawthiq — because every business transaction deserves to be structured and verified.
OUR APPROACH
Small businesses in Muscat manage their invoices informally — mentally, on WhatsApp, or in a basic spreadsheet. Owners chase payments themselves, losing precious time, and damaging relationships in the process. They have no visibility of what is coming in and when or what is going out next month. And they have no system to catch slow payers before they become bad debts.
Mawthiq builds and operates a structured credit control system within your business — optionally in your name — we simply run your credit control so you get paid faster without you chasing anyone, while protecting your client relationships.
Software shows you who owes you money, but does not chase or ensure payment. We are the credit optimization layer that provides structure, visibility, and control. Clients move from inconsistent follow-up to a structured system — resulting in faster, more predictable collections.
We Operate, Don't Just Advise
We run your credit cycle, not just report on it. Execution is the product.
Your Name, Always
All client communication goes under your brand or on your behalf.
Data Stays With You
Every file lives in a folder you own. Remove our access with one click, anytime.
Structured from Day One
Every engagement is governed by a signed service agreement with clear scope, data rules, and obligations.
Reactive → Structured
Inconsistent → Predictable
Relationship Risk → Professionally Managed
The Evolution of Credit Management
OUR SERVICES
Credit & Receivables Control
Your complete outsourced credit department. We manage your entire invoice-to-cash cycle — in your name, invisibly — so your team focuses on the business, not the chasing.
-
Structured debtor follow-up
-
Overdue escalation
-
Weekly status report and monthly review
A financial operations dashboard — built and updated by Mawthiq — giving you real-time visibility of every payment coming in and going out, with a 30 and 60-day forward forecast.
-
Live receivables tracker updated weekly
-
Payables summary with aging report
-
30 and 60-day cash flow forecast
-
Monthly one-page cash position report
Cash Flow Visibility**
Before you extend credit to a new customer or enter a supplier relationship, know who you are dealing with. Structured due diligence on any commercial entity — delivered in five business days.
-
Commercial registration and licence verification
-
Market reference checks and trade reputation
-
Risk rating: Low, Medium, or High
-
Recommended payment terms and credit limit
Credit Profiling**
End-to-end invoice lifecycle management. We verify your invoices before they leave your desk and confirm debtor acceptance.
-
Pre-issuance invoice verification
-
Debtor receipt and acceptance confirmation
Invoice Verification**
When your financing needs exceed what Mawthiq can provide directly, we connect you with the right lender — banks, licensed factoring companies, Islamic finance products, or private capital.
-
Bank invoice discounting programmes
-
Licensed factoring company referrals
-
Islamic finance structures
-
Government SME programme guidance
Lender Introductions**
From Invoice to Cash - Fully Managed
** launching soon
The Credit Department You Never Had. Now You Do.
Most SMEs in Oman manage their credit informally — and pay for it in delayed cash, damaged relationships, and bad debts that could have been avoided. Mawthiq exists to close that gap.
WHY MAWTHIQ
Institutional Expertise
You Stay in Control of Your Relationships
Years spent working with CFOs and finance teams at global banks taught us payables get prioritised based on who asks, and how they ask. Mawthiq makes sure your invoice is never the one that gets pushed to the bottom.
We never contact your clients without your written authorisation per debtor. All communication goes in your name or on your behalf. Human follow-up that gets results
Oman's mandatory e-invoicing starts August 2026. We help you build structured invoicing processes.
Every engagement is governed by a signed service agreement. Data stays in a folder you own. Full documentation. Full accountability. This is not advisory — it is operational, accountable delivery.
Fawtara-Ready for What's Coming
Structured From Day One
You’ve done the work. Let’s make sure you get paid on time.
Reach out on WhatsApp: +1 7142048027
Or Call/Text at +968 92115752
Opening Hours:
Sun - Thurs 8:00 am – 3:30 pm
Location:
Muscat, Sultanate of Oman
Get in Touch