Financial health
Stable, cash-tight
Revenue trend · 8 periods+27.4%
Built for Malaysian SMEs
YourAgentic CFOfor growing SMEs.
Avenzor turns company profiles, audited accounts, and management accounts into plain-English health checks, lender-ready reports, and monthly CFO actions — before the numbers become a problem.
Consent-based data Source-linked facts Human-reviewed
Company health
Seri Maju Hardware Sdn Bhd
Current ratio
0.92x
Gearing
1.4x
DSCR
1.7x
Plain-English read
Profit improved, but cash is tight — current liabilities exceed current assets. Fix this before the bank submission.
Upload latest management accounts
Resolve RM180k overdue debtors
Bank-readiness62%
One structured backbone — your company data, consented and source-tracked.
Experian CrediTrackAudited accountsManagement accountsSSM company profileAccounting softwareBank statementsTax recordsDebtor ageingExperian CrediTrackAudited accountsManagement accountsSSM company profileAccounting softwareBank statementsTax recordsDebtor ageing
The gap
You run the business well. The numbers stay unclear.
Accountants produce statutory reports. Bankers assess credit. Neither sits inside your business as a CFO — explaining what the figures mean, what a lender will question, and what to fix this month.
I do not understand all the numbers in my audited report.
Can my company actually borrow from the bank?
What facility should I even apply for?
This month’s P&L looks bad — what do I adjust?
The cost: delayed applications, rejected financing, weak pricing, and stress from not knowing the real position.
What Avenzor does
A CFO’s judgment, applied to your records.
Not another dashboard. A decision workflow that connects registry data, accounts, and goals into one recommendation loop.
01
Financial clarity
Understand audited reports and company health in plain English — ratios, trends, and risk flags with the “so what” spelled out.
02
Lending readiness
Know which facility may fit and what the bank will question before you apply, with a blocker list and document checklist.
03
Monthly CFO action
Move from year-end reporting to live monthly decisions on pricing, collection, cost, inventory, and cash.
04
Consent and trust
Sensitive company and credit data used with documented consent, source tracking, audit logs, and human review.
How it works
From raw documents to CFO action.
Five steps run as a controlled, multi-agent workflow. Scroll to follow a company through the loop.
Step 01
Connect & consent
Experian CrediTrack profileConsented
Audited accounts FY2024
Step 02
Extract & verify
Revenue RM 6,240,000
Audited P&L · page 12
Step 03
Read financial health
Current
0.92x
Quick
0.61x
DSCR
1.7x
Step 04
Prepare for the bank
Working capital facility
Resolve overdue debtors
Step 05
Act every month
Monthly CFO memo
Margins held, but collection slipped 9 days. Tighten terms on three accounts to recover ~RM 120k of cash this quarter.
The product
Dense where it counts. Readable everywhere else.
A working financial operating system — not a marketing mock. Tables for detail, charts for trend, checklists for readiness.
Live
Every fact, sourced
Click any figure to see the exact document and page it came from.
Gearing 1.4x↳ Audited BS · p.9
One report family
The same facts, framed for each reader.
OwnerAdvisorBankerSales
Bank-readiness62%
3 of 8 blockers resolved
Monthly CFO memo
Collection slipped 9 days — tighten terms on three accounts to recover ~RM 120k.
Who it serves
Built for everyone around the financing table.
One source of truth per company — framed for the person reading it.
SME owner / CEO
01Can’t read audited reports deeply, can’t afford a full-time CFO.
Plain-English clarity and a bankability action plan.
Finance manager
02Has the data, lacks time to turn it into board-level insight.
Automated analysis, CFO narrative, and variance commentary.
Loan consultant / advisor
03Manual report writing is slow and inconsistent.
Reusable lender-style reports and due-diligence checklists.
Banker / introducer
04Applicants submit incomplete packs and unrealistic requests.
Structured borrower readiness and a clear risk summary.
B2B sales team
05Limited visibility on a customer’s financial background.
Fast profile interpretation and early red-flag detection.
Trust & compliance
Sensitive data, handled with discipline.
Avenzor separates source facts, calculations, AI interpretation, and human-reviewed actions — so you always see what happened and why it matters.
Consent first
Documented consent, purpose limitation, and access controls before any credit data is ingested.
Source-linked
Every fact traces to its origin document, with extraction dates and confidence.
Human-reviewed
AI interpretation is separated from decisions. A person reviews before action.
Clear boundaries
No guaranteed approvals, no automated lending decisions. The bank decides; you prepare.
Start company health check
Know your numbers before the bank does.
Upload a company profile and financial documents. Get a CFO-style analysis, a lender-ready recommendation, and an action plan — in plain language.
No guaranteed approvals. No automated lending decisions. You stay in control.