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✦ AI Financial Intelligence for SMEs

Know your business. Know what comes next.

FINZA connects your financial data, invoices and payments to predict cash flow, detect funding needs early and help your business become finance-ready.

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Built for SMEs in the UAE
FINANCIAL OVERVIEW
Good afternoon
Today
Available now AED 184K Across business accounts
Expected in AED 127K Next 30 days
Payments due AED 92K Next 30 days
Cash Flow + AED 41K
30 days
Today +7 days +14 days +21 days +30 days
✦
FINZA AI Your financial position is stable

Expected cash inflows are sufficient to cover upcoming obligations.

Cash Flow Forecast
In 30 days + AED 41K
In 60 days + AED 28K
Minimum balance - AED 38K
In 24 days - AED 38K
!
Potential cash flow gap

A supplier payment is due before an expected customer payment arrives.

Invoices
Customer Amount Due Status
Smart Retail LLC AED 85K 47 days Pending
Tech Market LLC AED 32K 12 days
Nova Trade LLC AED 28K Overdue 7 days
Invoice #145 AED 85K

Need the money before the due date?

Payments
Today - AED 12.4K Supplier payment
11 Sep - AED 68K Major supplier payment
18 Sep - AED 21K Tax and obligations
FINZA automatically includes upcoming payments in your Cash Flow forecast.
Receivables
Accounts Receivable AED 184K
On time AED 137K
Overdue AED 47K
✦ FINZA AI Overdue receivables have increased. Review your three largest customers.
Financing
FINZA detected a financing need AED 38K

In 24 days, your liquidity buffer may fall below the recommended level.

Recommended Invoice Financing Use an outstanding invoice
Option 2 Working Capital Support short-term liquidity
Subject to eligibility and final approval by a licensed financial partner.
Credit Passport
Green House Trading LLC Financial Profile
82 /100
12M turnover AED 2.86M
Average Cash Flow + AED 74K
Debt burden 21%
Payment discipline 94%
Profile ready for preliminary assessment
✦ FINZA AI Funding need detected in 24 days

Based on your invoices and upcoming payments, FINZA identified a future liquidity gap.

01 — DATA

Your financial data. One clear picture.

FINZA brings together your bank accounts, accounting data and invoices to show what is really happening with your business finances — in one place.

BANK ACCOUNTS Balances & transactions

Money in, money out and current liquidity.

Connected
ACCOUNTING Sales & obligations

Customers, suppliers and business records.

Synced
INVOICES Receivables & payments

Who owes you, how much and when it is due.

Live
FINZA Financial Intelligence
CONNECT · UNDERSTAND · PREDICT
FINANCIAL PICTURE Green House Trading LLC
Live
Available now AED 184K
Expected in AED 127K
Payments due AED 92K
Cash Flow · 30 days + AED 41K
Stable
Today +10 days +20 days +30 days
✦
FINZA AI Funding need detected in 24 days

A supplier payment is expected before a major customer invoice is paid.

AED 38K
BANKS
+
ACCOUNTING
+
INVOICES
→
FINZA
→
FINANCIAL INTELLIGENCE
02 — INTELLIGENCE

Not just financial data. Business understanding.

FINZA continuously analyses cash flow, receivables, payments and financial behaviour to explain what is happening in your business — and why it matters.

✦
FINZA AI Financial Intelligence
Live
ASK FINZA

Will I have enough cash to cover all upcoming payments next month?

FINZA ANALYSIS

Based on expected customer payments and upcoming obligations, your business may face a temporary liquidity gap in 24 days.

Estimated gap AED 38K
Expected in AED 127K
Payments due AED 165K
→
WHY

A major supplier payment is scheduled before your largest customer invoice is expected to be paid.

WHAT FINZA UNDERSTANDS Your business today
↗
CASH FLOW Cash generation is positive

Operating cash flow remains positive, but the liquidity buffer is decreasing.

+ AED 41K
◎
RECEIVABLES Customer payments are slowing

AED 47K is currently overdue across three customer invoices.

AED 47K
↓
OBLIGATIONS A large payment is approaching

Your largest supplier payment is due before expected customer cash arrives.

11 Sep
◇
FINANCING READINESS Financial profile is improving

Turnover, payment discipline and cash flow support preliminary assessment.

82 / 100
DATA What happened
→
INTELLIGENCE What it means
→
PREDICTION What happens next
→
DECISION What to do
03 — PREDICT

See the cash gap before it happens.

FINZA combines expected inflows, upcoming payments and current liquidity to show where your cash position is heading — before the problem appears.

CASH FLOW FORECAST Green House Trading LLC
Available now AED 184K
Expected inflows + AED 272K
Upcoming payments - AED 347K
Lowest point - AED 38K
AED 200K AED 100K AED 0 - AED 50K
ZERO BALANCE
11 SEP - AED 68K Supplier payment
23 SEP - AED 38K Liquidity gap
28 SEP + AED 42K Customer payment
Today +7 days +14 days +21 days +30 days
✦
FINZA AI Potential liquidity gap in 24 days

Your supplier payment is due before a major customer invoice is expected to be paid. The projected shortfall is approximately AED 38K.

FUNDING NEED AED 38K

Not a report about the past. FINZA shows where your cash is going next.

04 — DECIDE

Don’t just see the problem. Know what to do next.

FINZA turns financial signals into clear next steps — helping you improve liquidity, manage timing and prepare for financing before cash becomes a problem.

FINANCIAL SIGNAL Liquidity gap expected
Action needed
PROJECTED SHORTFALL AED 38K

Expected in 24 days

↓
MAIN CAUSE Payment timing mismatch

A supplier payment is due before a major customer invoice is expected to be paid.

11 Sep - AED 68K Supplier
→
23 Sep - AED 38K Cash gap
→
28 Sep + AED 42K Customer
FINZA RECOMMENDATIONS 3 possible actions
✦ AI assisted
01
FASTEST OPTION

Get paid earlier

Use an outstanding customer invoice to improve liquidity before the payment due date.

Invoice #145 AED 85K
✓
02
OPERATING OPTION

Adjust payment timing

Review upcoming supplier payments and determine whether part of the obligation can be rescheduled.

Supplier payment AED 68K
→
03
FINANCING OPTION

Prepare for financing

FINZA can prepare your financial profile and financing need for preliminary assessment.

Estimated need AED 38K
→
✦
FINZA DECISION SUPPORT The goal is not just to predict a cash gap — it is to give you time to act.
See invoice workflow →
1 Detect FINZA sees the signal
→
2 Understand FINZA explains why
→
3 Decide You choose the action
→
4 Execute Move from insight to action
05 — INVOICES

An invoice is not just a document. It is future cash.

FINZA tracks what you are owed, when you expect to get paid and how each invoice affects your future liquidity.

INVOICE #145
Outstanding
FROM Green House Trading LLC
→
TO Smart Retail LLC
INVOICE VALUE AED 85K
Issued Today
Payment terms 47 days
Expected payment 17 Oct
✓
Tracked by FINZA

This invoice is now included in your receivables and Cash Flow forecast.

1
INVOICE CREATED AED 85K Today
2
RECEIVABLE Payment expected In 47 days
3
CASH FLOW Future inflow added Included automatically
!
FINZA SIGNAL Cash needed earlier In 24 days
FINZA INTELLIGENCE Turn receivables into decisions
✦ AI
ACCOUNTS RECEIVABLE AED 184K
6 invoices
On time AED 137K Overdue AED 47K
✦
FINZA AI You may need part of this cash before the invoice is paid.

Your supplier payment is due 23 days before this customer invoice is expected to settle.

POSSIBLE ACTION

Get paid earlier

FINZA can prepare this receivable and your financial profile for preliminary assessment by a financial partner.

Invoice AED 85K
Funding need AED 38K
Financing is subject to eligibility and final approval by a licensed financial partner.
INVOICE Money you are owed
→
RECEIVABLE Expected payment
→
CASH FLOW Impact on liquidity
→
FINANCING Get cash earlier
06 — CREDIT PASSPORT

Your financial profile. Always up to date.

FINZA turns your financial data into a living business profile — combining turnover, cash flow, payment behaviour, receivables and obligations in one place.

FINZA CREDIT PASSPORT Green House Trading LLC Updated today
Live profile
82 /100
FINZA READINESS INDEX

Strong financial readiness

Your current financial profile shows stable turnover, positive cash generation and strong payment discipline.

12M turnover AED 2.86M
Avg. monthly Cash Flow + AED 74K
Receivables AED 184K
Debt burden 21%
Payment discipline 94%
Overdue receivables AED 47K
WHAT BUILDS YOUR PROFILE One profile. Multiple signals.
↗
BANK ACTIVITY Cash movement & turnover

Incoming payments, outgoing payments and liquidity behaviour.

Connected
▤
ACCOUNTING Business performance

Sales, obligations, suppliers and operating history.

Synced
◎
RECEIVABLES Customer payment behaviour

Invoice timing, overdue amounts and expected collections.

Live
◇
CASH FLOW Future liquidity position

Forecasted inflows, payments and potential cash gaps.

Forecasted
✓
PRELIMINARY ASSESSMENT Your financial profile is ready to be shared.

FINZA can package your current financial information for preliminary review by a financial partner.

01 Live data Updated as your business changes
→
02 Financial profile One view of business readiness
→
03 Finance-ready Prepared for preliminary assessment
07 — EXECUTION

From financial insight to real financial action.

When FINZA detects a funding need, it can prepare your financial profile for preliminary assessment and help connect your business with suitable financing options from financial partners.

FINANCING JOURNEY One flow. From need to funding.
01
✦
FUNDING NEED FINZA detects the gap

Future liquidity shortfall identified from Cash Flow forecast.

AED 38K
→
02
◇
FINANCIAL PROFILE Business becomes finance-ready

Turnover, cash flow, receivables and payment behaviour are packaged.

Ready
→
03
✓
PRELIMINARY ASSESSMENT Initial eligibility review

Your profile can be prepared for preliminary assessment.

Eligible to review
→
04
↗
FINANCIAL PARTNER Application goes to a lender

A licensed financial institution performs final underwriting.

Partner review
→
05
↓
FUNDING Capital reaches the business

Funding is provided directly by the approved financial partner.

Funded
DETECTED BY FINZA Funding need
✦ AI
ESTIMATED NEED AED 38K

In 24 days

WHY Supplier payment comes before customer cash.

Your current Cash Flow forecast shows a short-term timing mismatch.

Readiness index 82 / 100
12M turnover AED 2.86M
Payment discipline 94%
FINANCING OPTIONS Explore possible routes
Profile ready
▤
RECEIVABLE-BASED Invoice financing

Use an eligible outstanding invoice as the basis for funding assessment.

Invoice available AED 85K
↗
WORKING CAPITAL Business financing

Prepare your business financial profile for working-capital assessment.

Need detected AED 38K
◇
OTHER ROUTES Explore additional options

Other financing routes may become available based on your business profile.

Based on profile Explore
FINZA provides financial intelligence and technology. Financing products are provided by licensed financial institutions and remain subject to their eligibility criteria, underwriting and final approval.

FINZA helps you become finance-ready before you need to apply.

08 — CONTINUOUS LOOP

FINZA keeps working after the funding.

Your business keeps changing. FINZA continuously monitors cash flow, receivables, obligations and financing needs — so the next decision can happen earlier and with better data.

FINANCIAL INTELLIGENCE LOOP Always on. Always learning.
Live
FINZA Financial Intelligence Continuous
01
↗
MONITOR Business activity

Transactions, invoices, payments and obligations.

02
◇
UNDERSTAND Financial behaviour

FINZA detects changes, patterns and new signals.

03
≋
PREDICT What comes next

Future cash position and possible liquidity gaps.

04
✦
ACT Make the next move

Improve collections, manage payments or prepare financing.

AFTER FUNDING FINZA keeps monitoring
Active
Current cash AED 218K +18% vs funding date
Next payment AED 12K In 9 days
Receivables AED 156K 5 invoices
60 DAY CASH FLOW Stable
Today +30d +60d
NEW SIGNAL FINZA sees the next opportunity
✦
FINZA AI New growth funding need may appear in 41 days.

Your expected inventory purchase is increasing faster than customer cash inflows.

Inventory purchase AED 96K
Expected inflows AED 61K
Potential need AED 35K
WHAT HAPPENS NEXT

FINZA updates your financial profile, reassesses your position and helps you prepare before the next financing need appears.

Continue with FINZA →
DATA What happened
→
INTELLIGENCE What it means
→
PREDICT What comes next
→
DECIDE What to do
→
EXECUTE Take action
↺
MONITOR Start again

One financial decision creates new data. FINZA uses it to improve the next one.

BUILT FOR SMEs IN THE UAE

Your next financial decision starts with better data.

Connect your financial data, understand what is happening, see what comes next and prepare your business to act earlier.

Get Started Free → See how FINZA works
No credit card required • Built for growing businesses • UAE
01 Connect Banks, accounting and invoices
02 Understand Know what is happening
03 Predict See what comes next
04 Act Move from insight to action