Credit intelligence + SME finance marketplace

From bank data to funding-readydecisions.

Finalyze combines bank statement intelligence with a privacy-controlled SME finance marketplace. SMEs become lender-ready, while lenders review stronger opportunities with clearer financial evidence and controlled access.

Bank Statement Intelligence SME Finance Marketplace
50+ Bank layouts supported
2 Connected service tracks
Consent Controlled information sharing
Finalyze Workspace Credit Intelligence
Reviewed
RevenueRecognised LTM RevenueAED 4.8MReviewed
LiquidityAverage BalanceAED 550KStable
CapacityDSCR1.60xReviewed
DebtDebt Service to Revenue25%Measured
Marketplace Ready Anonymous Opportunity
Consent Controlled Selected Lender Access
Two Services. One Credit Journey.

Analyze financial behavior. Then connect lender-ready businesses to capital.

Finalyze now supports two connected use cases: bank statement intelligence for credit teams, and a controlled SME finance marketplace for reviewed financing opportunities.

01

Bank Statement Intelligence

Turn complex bank statements into structured, review-ready credit intelligence without relying on manual spreadsheet work.

Process single or multi-month bank statements across varied bank layouts.
Review revenue, cash flow, balances, debt-service signals, concentration and key risks.
Give authorized analysts a dashboard, evidence views and controlled adjustment workflows.
Export structured outputs where user permissions allow.
For lenders, fintechs, underwriters & risk teams
02

SME Finance Marketplace

Help reviewed SMEs present lender-ready opportunities while keeping identity and sensitive financial evidence protected until the right stage.

SMEs submit financing needs, business inputs and supporting documents in one application.
Finalyze reviews the case before an anonymous opportunity can be published.
Lenders review high-level credit metrics and show interest without seeing sensitive identity data.
Fuller case access is granted only after Finalyze review and explicit SME consent.
For SMEs seeking finance & lenders sourcing opportunities
Bank Statement Intelligence

From transaction data to a structured credit view.

Finalyze transforms bank activity into a reviewable financial picture so credit teams can move faster without giving up control, evidence or auditability.

Recognise and structure transaction activity from uploaded bank statements.
Assess revenue, cash flow, average balances, concentration and debt-service behavior.
Surface reviewed metrics such as DSCR, DTR and cash cover from the canonical Finalyze case.
Keep analyst review, adjustments and evidence controlled through permissions and audit history.
Reviewed Credit Snapshot
LTM RevenueAED 4.8M
DSCR1.60x
Cash Cover2.20x
Average balanceLiquidityAED 550K
Debt service to revenueDebt burden25%
Customer concentrationExposure30%
SME Finance Marketplace

Lender-ready opportunities without exposing the business too early.

Reviewed SMEs can be presented to lenders through anonymous opportunity IDs and high-level credit metrics. Identity and deeper case access stay protected until Finalyze accepts the lender interest and the SME explicitly consents.

1Anonymous first. Marketplace lenders initially see the opportunity, sector, location, facility need and reviewed credit metrics—not the SME name, shareholders or counterparties.
2Interest is controlled. A lender can show interest, but Finalyze reviews that interest before it progresses.
3SME consent unlocks the next stage. Only the selected lender receives approved, read-only case access after explicit consent.
Opportunity FYZ-10427
Reviewed
Technical Services Dubai 5 years trading Working Capital
Requested FacilityAED 750,000
LTM RevenueAED 4,800,000
Average Monthly RevenueAED 400,000
DSCR1.60x
DTR25%
Cash Cover2.20x
Business identity, shareholder information, raw transactions and source documents remain private at this stage.
Show Interest
Anonymous by defaultMarketplace listings use public opportunity IDs and high-level reviewed metrics.
Consent before disclosureBusiness identity is shared only when the SME approves the selected lender.
Read-only lender accessSource documents, raw transactions, exports and analyst adjustment tools remain protected.
Marketplace Workflow

A controlled path from SME application to lender review.

Finalyze keeps analysis, publication, lender interest and consent as separate controlled stages rather than exposing the full case immediately.

01

SME applies

The SME provides core business information, financing requirements and supporting documents.

02

Finalyze reviews

Bank statement intelligence and submitted information are reviewed before the opportunity can progress.

03

Anonymous opportunity published

Eligible lenders see a privacy-controlled opportunity with high-level metrics and no early identity disclosure.

04

Lender shows interest

The lender indicates interest and Finalyze decides whether the opportunity should move to the next stage.

05

SME gives consent

The SME sees the accepted lender and decides whether to allow approved case access.

06

Selected lender reviews the case

The consented lender receives read-only access to the approved Finalyze credit view while protected evidence remains restricted.

Who Finalyze Serves

One platform supporting both sides of the SME credit journey.

Use Finalyze either as a credit-intelligence engine, a sourcing marketplace, or both together.

SMEs

Submit one financing application, upload supporting documents, review lender interest and control who receives access.

Lenders & Fintechs

Browse anonymized opportunities, review key credit metrics and progress selected cases through a controlled consent process.

Credit & Risk Teams

Use structured statement intelligence, reviewed ratios, evidence and controlled adjustments to support underwriting.

Operations

Keep applications, document evidence, case review and lender interest within one governed workflow.

Turn financial data into a clearer path to credit.

Use Finalyze for bank statement intelligence, SME marketplace sourcing, or an end-to-end workflow connecting reviewed businesses with lenders.

Talk to Finalyze Explore Marketplace