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Explore a preview of Thaqa's intelligent financial tools.
A guided look at how Thaqa surfaces business health, AI insights and Sharia-compliant financing — using sample data.
SME Cash-Flow Scenario
A growing UAE SME has AED 42,000 in receivables due within 5 days, upcoming supplier payments, and reserve coverage below the recommended target. Thaqa analyzes the situation and recommends actions before liquidity pressure becomes critical.
What Thaqa is seeing
- Your cash flow appears stable with moderate growth potential.
- A Sharia-compliant financing structure may support expansion without straining operations.
- 3 invoices totalling AED 42,000 are due in 5 days — collecting on time strengthens this month's net position.
Your business is in a stable position with room to strengthen reserves.
An aggregated read on cash flow stability, reserve strength, receivables health and spending discipline.
- Reduce discretionary spend by AED 8,000 this month to improve reserve coverage.
- Accelerate receivables collection to lift coverage above the 3-month floor.
Suggested follow-up: contact 3 overdue accounts within 48 hours.
AED 42,000 due within 5 days. Delay risk may affect next month's operating liquidity.
AI Decision Engine
A prioritised set of next moves, generated from your business signals — designed to strengthen this month's position.
- 01High priority
Follow up on AED 42,000 receivables due in 5 days
3 client invoices are inside the risk window — collecting on time protects next month's operating liquidity.
- 02Medium priority
Reduce discretionary spend by AED 8,000 this month
Software, travel and marketing categories are running above the trailing 3-month average.
- 03Medium priority
Lift reserve coverage from 2.4 to 3.1 months
A combination of faster collections and lighter discretionary spend would move you back into the healthy band.
- 04Opportunity
Review a Sharia-compliant financing scenario
A profit-share structure sized to your cash cycle could free working capital without straining monthly headroom.
Before vs After Thaqa.
The same SME, the same numbers — handled differently when AI guides the decisions.
- Receivables risk detected late
- Reserve health unclear
- Manual decision-making
- Financing options difficult to compare
- AI flags receivables risk early
- Reserve coverage shown in months
- Recommended actions generated automatically
- Sharia-aligned scenarios compared clearly
Sharia-Aligned Guidance.
Thaqa is designed to support ethical financial decision-making through Sharia-aligned guidance. Formal advisor oversight is planned as part of the future governance and licensing roadmap.
Disclaimer: Thaqa provides illustrative, AI-generated guidance for educational purposes. It is not regulated financial, investment, or Sharia advice. Formal Sharia advisor oversight and regulatory licensing are part of our planned roadmap.
Allocations modelled against this month's outflows for a balanced operating profile.
Allocation is broadly healthy. Consider lifting Emergency Reserve to 15% to reach target liquidity.
Preserves liquidity and lifts reserve coverage — best for uncertain quarters.
Tell us about your business
Profit-based structure — no interest. We'll model an indicative range so you can see the impact on monthly cash flow.
Indicative preview · profit-based, no interest
Adjust the inputs, then run the analysis.
You'll receive a tailored, Sharia-compliant advisory summary in seconds.
This is a simplified preview. Thaqa provides deeper, real-time insights tailored to your business.
Want to test this with your business?
Join early access or speak with the founder directly. We're shaping Thaqa around real UAE SME conversations.