Business age
122 months
Simulated pilot cohort
du relationship
62 months · 4 services
Simulated du relationship. Modelled by FunderaX for demonstration. du has supplied no customer data and this business is not a du customer.
Journey stage
Invited by du
Phase 11A du journey model
Accounting connection
not connected
Simulated pilot cohort
Bank connection
No bank connected for this simulated business
No bank provider is connected for the simulated cohort
Compliance status
Not started
FunderaX journey state, simulated cohort
Data freshness
No source connected
Simulated pilot cohort
Cash position
AED 984,400
Deterministic simulated cohort (Phase 11A)
Bank-observed cash
No bank connection — nothing observed
No read-only bank connection exists for the simulated cohort
Receivables outstanding
AED 6,152,500
Deterministic simulated cohort (Phase 11A)
Payables due
AED 2,645,575
Deterministic simulated cohort (Phase 11A)
Cash runway
22 days
Cash ÷ modelled monthly outgoings
Forecast working-capital gap
AED 1,661,175
Payables due less cash on hand, 30-day horizon
Overdue invoices
4
Deterministic simulated cohort (Phase 11A)
Overdue value
AED 1,353,550
Deterministic simulated cohort (Phase 11A)
18/100
Accounting connection is not connected.
Derived from connected sources and the completeness of the ledger behind the forecast.
Ledger quality, 61% largest-customer concentration and 90-day terms.
Modelled trading history of 122 months and 143 invoices a year.
Compliance evidence recorded on the FunderaX journey. No provider verification exists for this cohort.
Journey stage DU_INVITED of 15.
How recently the connected sources last returned data.
du Ecosystem Signals
Reserved. If du and an SME ever agree to share consented context — such as an opaque customer reference or a relationship tenure band — it could add context to the picture, only where legally, commercially and technically available. It is not connected, and it contributes zero points.
EarlyPay — early payment on receivables
Eligible value
AED 3,383,875
Potential amount
AED 2,876,294
Indicative cost
AED 42,553 · 12% p.a.
Readiness
Data not ready
Expected timing: Not available until data is connected and validated
Conditions outstanding: Connect and validate an accounting source; Resolve ledger data-quality issues; Complete liquidity analysis; Complete compliance evidence and legal readiness.
Indicative only. This is not a financing offer: an offer exists only when the certified FunderaX offer engine issues one against real invoices and a funder mandate. Engine: Phase 7B dynamic discounting / early-payment engine.
Revenue Advance — advance on recurring revenue
Eligible value
—
Potential amount
—
Indicative cost
—
Readiness
No qualifying recurring revenue
Expected timing: Not applicable — no recurring revenue modelled
Conditions outstanding: No recurring revenue modelled for this business.
Indicative only. This is not a financing offer: an offer exists only when the certified FunderaX offer engine issues one against real invoices and a funder mandate. Engine: Phase 11A Revenue Advance proposition over the certified offer engine.
Working capital — funder marketplace
Eligible value
AED 3,383,875
Potential amount
AED 2,030,325
Indicative cost
—
Readiness
Funding readiness incomplete
Expected timing: Depends on funder response times; no funder capital is committed
Conditions outstanding: Connect and validate an accounting source; Resolve ledger data-quality issues; Complete liquidity analysis; Complete compliance evidence and legal readiness.
Indicative only. This is not a financing offer: an offer exists only when the certified FunderaX offer engine issues one against real invoices and a funder mandate. Engine: Phase 6/7B funder marketplace and Phase 8H exposure governance.
Consider early payment on receivables
Projected gap (30 days)
AED 1,661,175
Phase 7A liquidity engine
Projected surplus
AED 0
Phase 7E treasury position model
Expected timing
Gap expected within the next 30 days on modelled outgoings
30-day horizon
Reasoning
- Modelled cash runway of 22 days against payables due in the period.
- Receivables of AED 6,152,500 outstanding on 90-day terms.
- Accounting data is incomplete, which limits the confidence of this view.
Evidence
- Phase 7A liquidity engine — deterministic cash-gap detection
- Phase 7E AI Treasury Controller — position, buffer and policy model
- Simulated pilot cohort — no observed bank balance exists
Cannot: move money, sweep cash, invest funds, initiate payments, create funding approval, create compliance approval.
| Capability | Category | Evidence status | Consent | FunderaX use case |
|---|---|---|---|---|
| Opaque du SME reference | SME identity & context | External evidence required | Required | Correlate a pilot SME between du and FunderaX without exchanging identity documents. |
| Business profile context | SME identity & context | Partner approval required | Required | Pre-fill onboarding so an SME does not re-key details du already holds. |
| Single sign-on / signed hand-off | Authentication | External evidence required | Required | Let an SME move from a du digital surface into FunderaX without a second sign-up. |
| Relationship tenure and standing | Business relationship | Partner approval required | Required | Context only — how long the business has been a du customer, as a continuity signal. |
| Service continuity signal | Telecom signals | Unknown | Required | Potential future context on business continuity. Contributes zero points today. |
| Account statement / billing reporting | Account & reporting | External evidence required | Required | Recurring-cost context for cash-forecast completeness, at the SME's own initiative. |
| du Pay payment capability | Payment capabilities | Partner approval required | Required | Potential future disbursement or collection partner in the settlement layer. Not a rail today. |
| SME notification / messaging | Notification & messaging | External evidence required | Required | Notify an SME that a liquidity opportunity or an action is waiting. |
| Consent capture and evidence exchange | Consent | External evidence required | Not applicable | Record which scopes an SME granted, when, and against which consent version. |
Proposed du signals — none connected, all worth zero points
Opaque du SME reference
A pseudonymous identifier letting both sides talk about the same business without sharing documents.
Minimisation: Reference only. No name, no document, no usage data.
Never used for: credit approval, compliance approval, financing eligibility, funding readiness.
Relationship tenure
How long the business has been a du customer, as a coarse band.
Minimisation: Band only (for example 'over 24 months'), never a start date or contract detail.
Never used for: credit approval, compliance approval, financing eligibility, funding readiness.
Recurring service cost totals
The monthly total a business pays for its du services, for cash-forecast completeness.
Minimisation: Totals only. No itemised usage, no call, message or location data.
Never used for: credit approval, compliance approval, financing eligibility, funding readiness.
Service continuity indicator
Whether services are active. Hypothetical only; sharing may not be permissible at all.
Minimisation: Would require a du legal assessment before any field is even specified.
Never used for: credit approval, compliance approval, financing eligibility, funding readiness.
Before any du signal could ever be used
- Explicit tenant binding, resolved server-side and never from a payload.
- Explicit, scoped, unexpired consent per signal.
- A declared purpose that matches the consent.
- A known provenance tag on every value.
- Minimisation: bands and totals, never itemised telecom usage.
- A retention period recorded with the grant.
- An audit record for every access.
Wallet connection
A documented du Pay business API and a du-issued credential.
Balance retrieval
A documented read scope plus explicit SME consent.
Payment initiation
A licensed payment party in the chain. FunderaX holds no licence and initiates nothing.
Settlement
A settlement agreement with a licensed institution and bank-side observation of the result.
Card functionality
Out of scope for FunderaX entirely.
Transfer functionality
Out of scope for FunderaX entirely.
Illustrative categories only. FunderaX has no commercial arrangement with du, holds no du product catalogue and makes no offer on du's behalf. Nothing in this section is a price, a package or a recommendation to buy.
Connectivity
A business planning a new site knows in advance whether the cash for the fit-out is available and when.
FunderaX contributes: Timing: FunderaX can show when funds are expected to be available, so commitments are made with a cash view.
Mobile
Headcount growth and mobile plans move together; both depend on predictable working capital.
FunderaX contributes: A forward cash view that makes recurring commitments easier to plan.
Productivity
Software subscriptions are recurring outgoings that belong in a cash forecast.
FunderaX contributes: Recurring costs, once the business chooses to include them, improve forecast completeness.
Cybersecurity
Financial data connections raise the value of good security hygiene for the business itself.
FunderaX contributes: FunderaX reads accounting and bank data read-only and evidences every access; the business's own posture stays its own.
Cloud & digital tools
Digitised books are the precondition for any of this to work at all.
FunderaX contributes: A concrete reason for an SME to finish digitising: connected books unlock a liquidity view.
Growth ecosystem
Advisory, marketplaces and partner programmes all assume the business can act when it decides to.
FunderaX contributes: Readiness and timing information the business can take into any of those conversations.
| Metric | Value | Provenance | Evidence required |
|---|---|---|---|
| SMEs invited | 150 (simulated) | Simulated | A du-issued invitation list and a signed pilot agreement. |
| SMEs onboarded | 116 (simulated) | Simulated | Real onboarding records against real tenants. |
| Accounting connected | 101 (simulated) | Simulated | Live read-only accounting connections per SME. One genuine sandbox connection exists platform-wide. |
| Bank connected | NOT_MEASURED | Unavailable | A live bank provider connection. The bank adapter is certified but no provider is connected. |
| Compliance completed | NOT_MEASURED | Unavailable | Provider-verified evidence. Company verification is unavailable on the current provider plan. |
| Liquidity opportunities identified | 62 (simulated) | Simulated | Opportunities computed from real ledgers. |
| Offers presented | 51 (simulated) | Simulated | Offers issued by the certified offer engine against a funder mandate. |
| Offers accepted | 41 (simulated) | Simulated | Real acceptances recorded in the frozen transaction engine. |
| Funding instructed | 24 (simulated) | Simulated | Instructions handed to a licensed payment party. |
| Bank-confirmed funding | NOT_MEASURED | Unavailable | An observed bank credit. None exists; no money has moved. |
| Settlement confirmed | NOT_MEASURED | Unavailable | An observed settlement. None exists. |
| Time to liquidity | NOT_MEASURED | Unavailable | Both ends of the measurement require real, timestamped events. |
| Approval-cycle time | NOT_MEASURED | Unavailable | A pre-pilot baseline and real pilot observations. |
| SME engagement | NOT_MEASURED | Unavailable | Real product usage by real businesses. |
70% faster financing approval
No pre-pilot baseline exists. 30 observations are needed before any improvement can be stated.
40% faster business pivot speed
The pilot owner has not yet approved an operational definition, so nothing can be measured.
The detailed in-process measurements are supporting technical evidence, not production performance.