Beyond "here is financing"
Why a business is vulnerable, what may happen, which capital fits and what to do next. Simulated demo business.
Step 1
SME today
Start from the business's available connected and self-declared data.
Step 2
Resilience score
FunderaX Resilience Readiness across 12 dimensions — or INSUFFICIENT_EVIDENCE.
Step 3
Identify vulnerability
The weakest dimensions, each with its evidence and confidence.
Step 4
Run a stress scenario
An assumed shock applied to observed inputs — never a forecast.
Step 5
Quantify working-capital impact
Runway change, deficit date and working-capital gap.
Step 6
Appropriate capital pathway
Stage-aware navigation — not every SME should borrow from a bank.
Step 7
Action plan
Prioritised actions with owner and reason. No guarantee of resilience or financing.
SIMULATED EVIDENCE
ADVISORY ONLY
NOT A CREDIT SCORE
FunderaX Resilience Readiness
48 / 100
EXPOSED
Evidence completeness92%ConfidenceLOWData freshnessFRESHCash basisNot bank-observed
Advisory resilience view built from available connected and self-declared data. Not a credit score, lending decision, probability of default, regulatory rating or du score.
What could hurt you most
Your weakest areas, and where you are strongest.
Liquidity resilience · 10
0.6 months cash cover
Shock absorption capacity · 25
Deficit in month 3 at −20% revenue
Operational continuity · 33
1/3 critical dependencies have an alternative
Compliance readiness · 100
VERIFIED
Capital-access readiness · 73
GROWTH
Revenue resilience · 67
+6% revenue trend
Stress My Business
SCENARIO — NOT A FORECAST. An assumed shock applied to your current figures.
Observed input
Cash balanceAED 132,000 (Simulated)
Monthly revenueAED 210,000 (Simulated)
Monthly outflowsAED 228,000 (Simulated)
Cash basis: synthetic — not bank-observed cash.
Assumed scenario
Revenue from the largest customer stops; costs unchanged.
Derived result
Runway before8 months
Runway after2 months
Cash would run short2026-12-01
Working-capital gapAED 1,394,400
Liquidity requirementAED 1,622,400
Invoice-financing opportunityAED 227,600
Payables-extension opportunityAED 57,500
Capital Pathway
Capital Pathway is navigation and education only. It is not a funding approval, credit advice or guaranteed availability.
Receivables finance
LIKELY FIT
FunderaX: EarlyPay / invoice discounting
Unlocks cash already earned but waiting on customer terms.
Typical evidence: Approved invoices, customer payment history
Your data readiness
100%
Invoice discounting
LIKELY FIT
FunderaX: Invoice discounting
Advance against individual invoices without a long-term facility.
Typical evidence: Invoices, buyer confirmations
Your data readiness
100%
Payables finance (supplier programme)
LIKELY FIT
FunderaX: Payables finance
Early payment via a buyer-led programme priced on the buyer's strength.
Typical evidence: Buyer-approved invoices within a programme
Your data readiness
100%
Asset finance
LIKELY FIT
Spreads the cost of equipment, secured on the asset itself.
Typical evidence: Asset quotation, bank statements · Missing: Business verification (KYB), Bank connection
Your data readiness
33%
Resilience actions
Actions may improve resilience. None guarantees resilience or access to financing.
Connect a bank account (read-only)
Cash is not bank-observed, so liquidity cannot be confirmed.
Evidence: Cash basis · SYNTHETIC · Improves: Liquidity resilience · Owner: Finance lead
HIGH
OPEN
Build a three-month cash buffer
Cash covers 0.6 months of outflows.
Evidence: Cash ÷ outflows · SYNTHETIC · Improves: Liquidity resilience · Owner: Owner / finance lead
HIGH
OPEN
Reduce customer concentration
Largest customer is 52% of revenue (HIGH).
Evidence: Customer breakdown · SYNTHETIC · Improves: Customer concentration · Owner: Owner / sales lead
HIGH
OPEN
Reduce overdue receivables
17% of receivables are overdue.
Evidence: Receivables ageing · SYNTHETIC · Improves: Revenue resilience · Owner: Finance lead
HIGH
OPEN
Establish a secondary supplier
Hardware distributor is single-source and critical.
Evidence: Supplier breakdown · SYNTHETIC · Improves: Supplier concentration · Owner: Operations lead
HIGH
OPEN
Diversify funding sources
Only 1 committed funding source.
Evidence: Funding sources · SYNTHETIC · Improves: Financing resilience · Owner: Owner / finance lead
MEDIUM
OPEN
Prepare a financing data pack
Financing Data Readiness is PARTIALLY_READY; 5 items missing.
Evidence: Financing Data Readiness · Improves: Capital-access readiness · Owner: Finance lead
MEDIUM
OPEN