Know before you sell on credit

Thiqa shows you the whole pharmacy across the warehouse network: how much it owes, whether it pays on time and whether it is drawing unusually fast — before you extend credit.

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Sample report (demo data)

Al Wafa Pharmacy

C
Credit score 645
Risk level Medium
Commitment rate 86%
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Network-wide payment behaviour

A pharmacy's open debt and payment record across every warehouse, not just yours.

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Early fraud signals

Spot draws accelerating across several warehouses, returned cheques and repeated inquiries.

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Data-driven credit limits

A recommended limit per supplier and an order simulator that shows an order's impact first.

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Decisions in seconds

A 300–850 score, an A–E grade and a clear risk level in one report.

How Thiqa works

Four simple steps, with data protected at every stage

  1. 1

    Contribute your receivables

    Upload the Excel template or connect your system by API.

  2. 2

    Thiqa matches pharmacies

    Records from every warehouse are linked to the same pharmacy by its national establishment number.

  3. 3

    Look up any pharmacy

    Search by name or any identifier and open the report.

  4. 4

    Decide with confidence

    A clear score and short advice — the final decision stays with you.

Trust and data protection

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Warehouse names are always aliased

No warehouse ever sees another's name; they appear as "Warehouse A, B, C".

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Consent-based sharing

Every warehouse accepts the data-sharing terms before using the platform.

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Every lookup is audited

We record who opened which report and when, and keep a frozen copy of each report.

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Encrypted storage

Sensitive data such as owners' national IDs is encrypted and never shown.

Frequently asked questions

Drug warehouses and medical supplies distributors operating in Jordan. Accounts are by invitation after we review your request.
The pharmacies you sell to, their invoices (open and paid, credit and cash) for the last 12 months, returned cheques and credit limits.
No. Warehouse names are aliased in every report and no supplier sees another supplier's name.
Basic: a monthly fee plus a per-report price by volume band. Premium: a flat fee with unlimited reports. Re-opening the same pharmacy's report on the same day is free.
With every new upload from any warehouse; scores are refreshed daily.
Yes. We provide a REST API with a sandbox, keys, webhooks and full documentation.
No. We show the figures and short indicative advice; the credit decision stays with your company.
In phase one, reports are available to subscribed warehouses only.

Request access

Accounts are by invitation only. Send us your details and the Thiqa team will contact you.

We only use your details to contact you about this request.