For UAE SMEs, their finance teams and their banks
Know your cash today. See the gap before it arrives.
AinlytX reconciles every bank line, keeps a clean multi-entity ledger and looks 13 weeks to 12 months ahead. Built for the UAE, hosted in the UAE.
AinlytX Tech Solutions Ltd · DIFC, Dubai · October 2026
The problem
Month-end still runs on spreadsheets, email and trust
Cash gaps arrive as surprises
Most SMEs see a shortfall only in the week it happens. By then the options are fewer and cost more.
Books and bank don’t agree
Bank lines, invoices and journals sit in different files. Matching them takes days every month.
Evidence is pulled by hand
Every audit, review or credit request starts with collecting the same papers again.
Owners, auditors and banks want the same thing: numbers they can trust, and an early view of what is coming.
AinlytX · Company overview · October 2026
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The platform
One governed path from bank line to forward view
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Reconcile
Command Center
Match bank, intercompany, receivable and payable lines by rules. Exceptions go to a person.
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Record
Mosaic
A real ledger: multi-entity, multi-currency, AED by default, with group consolidation.
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Look ahead
Foresight
Cash outlook, scenarios, Plan (AOP) and CFO Desk, built from the same records.
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Control
GovernIQ and Vault
Control tests, evidence on file, governed datasets and dashboards.
Each step uses the output of the one before. A forecast is only as good as the reconciled ledger underneath it. Start with one step and add the others.
AinlytX · Company overview · October 2026
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Every morning
Cash, what needs attention, and whether the books are closed
Cash across every entity, as per the books, on one line.
Items to review: possible matches, cheques not yet cleared, bank fees not yet booked.
Close and consolidation status for the month.
Screen from the AinlytX Home page. Sample data for a two-entity UAE group.
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Foresight · cash outlook
See the cash gap weeks before it arrives
Next 13 weeks. The dot marks the lowest week; the dashed line is the minimum cash the business wants to keep.
13 weeks week by week, or 6 and 12 months month by month
Built from records: open invoices, bills, regular costs and the plan
Starts from the reconciled book balance, so the base is right
One click to PDF for the owner, the board or the bank
Sample data. Information only, based on recorded data and the user’s assumptions. Not financial advice.
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Foresight · scenarios and snapshots
Test what changes the gap, then lock it for the bank
Base case
AED 72,590
Lowest cash, week of 23-11-2026. AED 27,410 below the AED 100,000 buffer.
Largest customer pays 30 days late
−AED 102,410
Lowest cash falls below zero, week of 07-12-2026.
Facility AED 150,000 in week 6
AED 222,590
Cash stays above the buffer through the tight weeks.
Sample data. A locked snapshot freezes the figures and settings for a credit review; it cannot be changed.
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Foresight · CFO Desk
A one-page CFO view, with every number traced to its source
Cash, receivables, payables, profit and control on one page
Commentary written by fixed rules from your own records
This week’s actions, ranked by amount, and a PDF brief
Sample data. AI is off by default. Information only; not financial advice.
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Foresight · Plan (AOP)
Plan, actual and forecast on one page
In the product
- Annual plan by month and entity, with versions and approval
- Plan against actual from the ledger, and the latest forecast
- Capital spend, with depreciation worked out for you
- Facility drawdowns, with the profit or finance cost of each
- Debt service cover (DSCR) and covenant checks
Coming next
- Ijara and lease schedules
- UAE corporate tax
- End-of-service gratuity and DIFC DEWS
- Headcount and revenue drivers
- Receivables financing
Wording follows Islamic finance practice where it applies. Tax and gratuity rates are editable settings, with the source shown.
Information only. Check rates and rules against current UAE law before relying on them.
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The foundation · Command Center
Reconciled data is the base for everything else
Bank statements in by file, with a saved template for each bank layout.
Rules and tolerances on reference, amount and date. Messy files are cleaned first by data transformation templates.
Proposed matches wait for a person. Nothing is forced through.
Every match and decision is logged, with who and when.
Sample bank reconciliation
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lines matched by rules
1
possible match for a person to check
1
bank fee not yet in the books, sent for a journal
Sample data. Figures are illustrative.
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The foundation · Mosaic
A real ledger underneath, not a spreadsheet
Double-entry journals
Chart of accounts, journals with approval, and who posted each entry and when.
Several companies, one group
Multi-entity and multi-currency, with AED as the default currency.
Consolidation
Group view with intercompany balances taken out, so the group is not counted twice.
Joined to the bank
Reconciliation exceptions turn into journals, so books and bank stay in step.
AinlytX · Company overview · October 2026
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Getting data in
Start with the files you already have
What
How
Status
Bank statements
File import, with a saved template per bank
Available
Customer invoices and supplier bills
Excel or CSV import; drag columns to match, including invoice and due dates
Available
Other ledgers and reports
Data transformation templates
Available
Zoho Books and Tally
Connectors
Available in India; UAE planned
Bank feeds
Direct links, with the SME’s consent
Planned with partner banks
AinlytX · Company overview · October 2026
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Trust and data
UAE customer data is stored in the UAE, and every action is recorded
Hosted in the UAE
UAE customer data is stored in Microsoft Azure, UAE North region.
Separate from India
The UAE platform has its own servers and database, apart from our India platform.
Shared only with consent
A bank or adviser sees a business’s data only when the business agrees.
Full audit trail
Who did what and when, for matches, journals, approvals and plans.
People make the decisions
Uncertain matches, journals and exceptions wait for a named person.
AI is off by default
Any AI help is opt-in. Figures always come from the records, never from AI.
AinlytX is software: it does not hold or move money, or give financial advice. DIFC Innovation Licence CL12360; not regulated by the DFSA.
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Who it is for
Three groups who need the same trusted numbers
SMEs and startups
One daily view of cash, books that agree with the bank, a faster month-end, and runway in plain numbers.
Finance teams and accountants
Reconcile, close and consolidate several entities in one place, with the evidence kept.
Banks and financiers
With the SME’s consent: a reconciled cash-flow view, early sight of cash gaps, and locked snapshots for credit reviews. Offered through pilots with partner banks.
AinlytX · Company overview · October 2026
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Built by an accountant who has done the reconciliation, the close and the audit
Ramanpreet Kaur Bhatia
Founder & CEO
Chartered Accountant (India) and CPA Australia.
The company
AinlytX Tech Solutions Ltd, Innovation One, DIFC, Dubai. DIFC Innovation Licence CL12360.
Build and run
Engineering, product and data team at our GovOps centre, Delhi.
Book a demo or a pilot
ramanpreet@ainlytx.ai · ainlytx.ai
AinlytX is not regulated by the DFSA and does not hold client money.
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