AI Credit Platform
Understand how document intelligence, financial analysis and governed review work together.
Explore platform →AI-powered credit intelligence + SME finance marketplace
AI that turns business data into lender-readydecisions.
Finalyze applies AI across document ingestion, bank-statement extraction, transaction intelligence, revenue and cost recognition, credit analysis, risk signals and marketplace preparation—so SMEs can present stronger financing cases and lenders can review opportunities with clearer evidence.
AI
Applied across the credit workflow
50+
Bank layouts supported
Human
Review remains in control
Finalyze AI Credit Engine
Reviewed Intelligence
AI Assisted
ExtractBank statement dataStructuredAI
ClassifyTransaction behaviourMappedAI
AnalyseRevenue & debt serviceReviewedAI
AssessCredit & risk signalsReadyHuman
AI-Assisted Analysis
Transaction Intelligence
Human Reviewed
Credit Controls
Explore Finalyze
A clearer path through the SME credit journey.
Explore the platform, statement intelligence, marketplace and workflows through dedicated pages designed for each audience.
Bank Statement Intelligence
See how statement PDFs become structured, reviewable transaction data.
Explore statement AI →SME Finance Marketplace
Learn how reviewed, privacy-controlled opportunities can connect SMEs and lenders.
Explore marketplace →AI Workflow
Follow the process from business data capture to lender interest and SME consent.
View workflow →Who We Serve
Discover how SMEs, lenders, fintechs, credit and operations teams use Finalyze.
Explore teams →Packages & Contact
Discuss your use case and the right implementation or partnership approach.
Discuss packages →AI Across Finalyze
AI supports the journey from raw business data to a controlled credit decision.
Finalyze uses AI where it adds the most value: reading complex financial documents, structuring transactions, recognising economic activity, surfacing credit signals and preparing lender-ready information. Human review, permissions and consent remain part of the workflow.
AI Document Understanding
Finalyze converts difficult bank-statement PDFs and varied layouts into structured, reviewable financial data.
Ingestion & ExtractionAI Transaction Intelligence
Transaction descriptions, inflows, outflows and behavioural patterns are classified and organised for faster credit review.
ClassificationAI Revenue & Cost Recognition
Finalyze helps distinguish recurring operating flows from non-operating movements so revenue and cost views are more decision-useful.
Economic FlowAI Credit & Risk Signals
Revenue stability, debt burden, liquidity, concentration and repayment-related signals are brought into one governed credit view.
Credit IntelligenceAI-Assisted SME Readiness
Business inputs, VAT revenue, existing debt and bank intelligence are brought together to create a clearer financing profile.
SME PreparationAI-Supported Marketplace Preparation
Reviewed credit data is converted into a privacy-controlled opportunity so lenders can assess high-level metrics before identity disclosure.
Marketplace Intelligence
PDF understanding
Transaction classification
Revenue recognition
Operating-cost recognition
Credit ratios
Risk signals
Marketplace readiness
Human review
Two AI-Enabled Services. One Credit Journey.
Use Finalyze for financial intelligence, financing access—or both.
The platform combines an AI-assisted bank statement intelligence engine with a privacy-controlled SME finance marketplace.
AI Bank Statement Intelligence
Turn complex statement data into structured credit intelligence with AI-assisted extraction, classification and analysis.
Process single or multi-month statements across different bank layouts.
Structure inflows, outflows, balances and transaction descriptions.
Support revenue, operating-cost, concentration and debt-service analysis.
Produce reviewed dashboard outputs for authorized credit and risk users.
AI-Supported SME Finance Marketplace
Help SMEs convert reviewed financial information into anonymous lender-ready opportunities while keeping privacy and consent under control.
SMEs submit financing needs, business information and supporting evidence once.
Finalyze prepares a reviewed credit profile using available financial and bank data.
Lenders see anonymized opportunities with relevant high-level credit indicators.
Identity and fuller case access are shared only after review and SME consent.
AI Bank Statement Intelligence
From transactions to a credit story—without relying on manual spreadsheet work.
AI helps Finalyze extract, classify and interpret banking activity. The result is a structured financial view that analysts can review, adjust where permitted and use as evidence in underwriting.
AI-assisted extraction across multiple statement layouts.
Transaction categorization and economic-flow recognition.
Revenue, cash-flow, average-balance and concentration analysis.
Debt-service metrics such as DSCR, DTR and cash cover.
Risk and behavioural signals with evidence available for review.
AI-Assisted Reviewed Credit Snapshot
LTM RevenueAED 4.8M
DSCR1.60x
Cash Cover2.20x
Average balanceLiquidityAED 550K
Debt service to revenueDebt burden25%
Customer concentrationExposure30%
AI-Supported SME Finance Marketplace
Turn reviewed financial intelligence into a lender-ready opportunity.
Finalyze uses reviewed credit information to present anonymous SME financing opportunities in a consistent format. Lenders can assess the key numbers first, while the SME remains in control of identity and deeper case access.
1AI-assisted preparation. Structured bank intelligence and SME inputs support a consistent high-level opportunity profile.
2Anonymous first. Lenders initially see only opportunity ID, sector, geography, facility need and reviewed credit metrics.
3Human and SME control. Finalyze reviews lender interest and the SME decides whether approved access should be granted.
Opportunity FYZ-10427
AI Assisted + Reviewed
Requested FacilityAED 750,000
LTM RevenueAED 4,800,000
Average Monthly RevenueAED 400,000
DSCR1.60x
DTR25%
Cash Cover2.20x
AI helps structure the opportunity; business identity and protected source evidence remain private until the approved sharing stage.
Responsible AI + Human Review
AI accelerates the work. People remain accountable for the decision.
Finalyze is designed as an AI-assisted credit intelligence platform—not an uncontrolled automatic lending decision engine. Analysts can review evidence, Finalyze controls publication, lenders make their own credit decisions, and SMEs control consent.
AI extracts and structures data; reviewed outputs remain traceable to the underlying case.
AI highlights patterns and metrics; authorized users retain review and adjustment controls.
Marketplace identity remains protected until consented disclosure.
Final credit approval remains with the lender—not the AI model.
AI-Powered Workflow
Five connected stages from data to financing opportunity.
AI supports the heavy data work while human review, privacy and lender judgment stay embedded in the process.
Capture business data
SMEs or analysts provide bank statements, financing needs and supporting information.
AI structures the evidence
Documents and transactions are extracted, classified and prepared for analysis.
AI builds credit intelligence
Revenue, liquidity, debt-service capacity, concentration and risk indicators are assembled into a structured view.
Human review & marketplace readiness
Finalyze reviews the case before any anonymous financing opportunity can be published.
Lender interest & SME consent
Lenders review the high-level opportunity, show interest and receive deeper access only after the controlled consent stage.
What AI Helps Finalyze Do
More than extraction: AI supports a complete credit-intelligence workflow.
The platform combines machine-assisted document processing, classification, financial recognition and structured credit analysis so teams spend less time preparing information and more time reviewing the decision.
01
Read
Interpret bank-statement and financial-document content.
02
Structure
Convert raw activity into consistent transaction and financial data.
03
Recognise
Identify revenue, operating costs and important financial behaviour.
04
Assess
Produce credit metrics, ratios, concentration and risk signals.
05
Prepare
Turn reviewed intelligence into a controlled lender-ready opportunity.
Who Finalyze Serves
AI credit intelligence for both sides of SME finance.
Use Finalyze as an AI-assisted credit engine, a financing marketplace, or an integrated journey connecting reviewed SMEs with lenders.
SMEs
Submit financing information once, build a reviewed credit profile and control lender access.
Lenders & Fintechs
Review anonymized opportunities with AI-supported credit intelligence before requesting deeper access.
Credit & Risk Teams
Use AI-assisted statement intelligence, reviewed ratios, evidence and controlled adjustments to support underwriting.
Operations
Reduce manual preparation while keeping applications, documents, case review and lender interest within one governed workflow.
Bring AI into the SME credit journey.
Use Finalyze to transform financial data into reviewed credit intelligence and connect lender-ready SMEs with financing opportunities.