Financial CSV/XLSX export
Revenue, expenses, cash, runway, burn and supplier concentration from the SME's own data.
Synthetic protection prototype / local-first design for SMEs
Know your cash-flow risks and protection gaps before a loss hits.
Combine financial exports, insurance-policy data and transparent scenario modelling to identify possible uninsured exposure and understand how disruption could affect cash flow, runway and business resilience.
The default desktop design keeps supported raw files in a local or agreed private workflow. Optional services and deployment-specific data handling require review before use.
Financial exports + policy PDF
Cyber and supplier exposure
Cash-flow impact scenarios
Evidence-linked results
Local-first design
Indicative decision support
BringFinancial export, text-based policy PDF, short risk profile.
ReceivePossible gap register, cash impact and evidence-linked report.
VerifyPrototype outputs and policy interpretation with a qualified professional.
01 / Protection workflow
From policy wording to financial impact.
SBFinance connects the business numbers, policy wording and operating context that are usually reviewed separately. The result is a traceable assessment built for questions, not a black-box recommendation.
Insurance-policy PDF
Limits, sub-limits, deductibles, exclusions and sections from a supported text-based policy.
Structured SME risk profile
Industry, locations, key-supplier dependency, digital dependency, tolerable downtime and stated asset values.
Transparent processing
- Normalized financial facts with source context
- Policy-fact extraction
- Deterministic scenario modelling
- Coverage matching with uncertainty
- Evidence and visible assumptions
Protection readiness view
- Risk exposure and possible coverage gaps
- Indicative uncovered amount
- Runway impact and cash-gap date
- Broker or insurer review questions
- Evidence-linked protection readiness report
02 / What SBFinance evaluates
Six views of SME exposure and resilience.
The current workflow covers the risk families and financial context below. It does not infer unsupported insurance lines or invent event probabilities.
Cyber disruption
Calculates the cost of a user-selected outage from daily fixed-cost burden, affected activity and stated recovery cost.
Supply-chain interruption
Combines supplier-spend concentration with a selected interruption scenario, while requiring the user to confirm business criticality.
Asset / property loss
Models loss against the asset value supplied by the SME; asset value is never inferred from expense transactions.
Business interruption
Models downtime, daily revenue, contribution margin and unavoidable fixed costs against policy limits and cash reserves.
Financial resilience
Connects an uncovered event to available cash, runway, burn and the projected cash-gap date.
Growth-related protection changes
Re-runs supported exposures when revenue, operating dependency or stated assets change and flags limits that may no longer fit.
03 / Interactive proof
Inspect a working assessment before sharing data.
The public browser demo loads the existing Singapore synthetic SME fixture. It requires no account, installation or upload.
Singapore / SGD
Loading fixture...
Loading the synthetic SME profile used by the public demo.
Revenue, six months...
Available cash...
Baseline runway...
Top supplier share...
Every displayed value is read from the versioned demo fixture. The browser demo exposes the policy evidence, scenario controls, coverage matrix and generated report preview.
Open the Interactive DemoPrototype evidence: this public fixture is synthetic and does not include the source export, complete source policy or a full operating-result-to-cash reconciliation. Broad real-policy extraction validation and independent review of the scenario formulas are not complete.
04 / Coverage Gap Matrix
Possible gaps, with uncertainty intact.
The matrix separates modelled impact, extracted limits, possible covered amount and indicative uncovered exposure. It does not turn an absent section into a definitive coverage decision.
| Risk | Status | Modelled impact | Limit / sub-limit | Possible covered | Indicative uncovered |
|---|---|---|---|---|---|
| Loading fixture-backed coverage results... | |||||
SBFinance provides indicative decision-support analysis, not insurance, legal, underwriting or coverage advice. Actual coverage depends on complete policy wording, endorsements, exclusions and insurer determination.
05 / Cash-flow impact simulator
See what a modelled disruption could do to runway.
Change downtime and revenue decline. The homepage reads the corresponding precomputed result from the deterministic scenario grid; it does not reimplement the engine.
Synthetic what-if scenario, not an event forecast or actuarial prediction. Scenario-impact fields assume zero payout where no matching policy text was found. Actual covered and uncovered amounts remain unknown until complete-policy review.
Headline impact under stated payout assumption
Arithmetic sum under stated payout assumptions
Runway before to after
Cash-gap date before to after
06 / Evidence, not a black box
Review the inputs behind each material result.
Calculation and explanation have different jobs. The prototype fixture carries assumptions and synthetic source references; explanatory AI must not become the source of truth.
Financial facts come from uploaded data
Metrics retain the period, currency, derivation and missing-data state.
Policy facts carry source references
The fixture includes synthetic page and snippet fields. Its source policy and extractor are not included in this repository.
Scenario assumptions remain visible
Downtime, revenue decline, asset value and recovery costs are not hidden.
Uncertainty is a result
Possible, inferred and unable-to-determine states remain distinct.
Missing is not zero
Missing information is surfaced for review instead of silently lowering exposure.
Grounded explanation has a bounded role
The AI-CFO explanation layer can turn reviewed facts into plain-language context and questions. Deterministic code calculates material amounts; AI does not decide coverage. The public browser demo itself runs no AI model.
| Coverage family | Field | Value | Evidence |
|---|---|---|---|
| Loading policy evidence... | |||
Keep sensitive inputs in a local or private workflow.
The default desktop design is intended to process supported financial exports, policy documents, calculations and reports on-device or in an agreed private environment. Optional services and each deployment's actual data flow require review.
The public demo is different: it makes ordinary web requests for page assets, release metadata and one static synthetic JSON fixture. It does not ask for or upload financial exports or policy files.
Raw financial exportINTENDED DEFAULT
Policy PDF and extractionINTENDED DEFAULT
Deterministic scenariosINTENDED DEFAULT
Evidence-linked reportINTENDED DEFAULT
Public browser demoSYNTHETIC
ONLY
Financial intelligence powering every protection assessment
The original AI-CFO capability supplies financial context beneath the protection workflow. Protection outputs remain early-stage and require pilot validation.
- Predict cash-gap dates; calculate runway and burn
- Find duplicates, unusual expenses and recurring financial leaks
- Identify supplier concentration from financial exports
- Model hiring, marketing, borrowing and revenue shocks
- Generate grounded dashboards and executive reports
- Answer questions from reviewed financial inputs
Desktop installers and release verification
Windows
Loading release metadata...
Linux
Loading release metadata...
macOS
Installer distribution is currently paused.
Temporarily unavailableRunway...
Cash-gap date...
Scenario contribution margin...
Supplier share...
GROUNDED ANSWER / REVIEWED INPUTS
A disruption scenario changes cash runway only through the selected event assumptions and the
financial facts above. Review the source values and policy evidence before acting.
09 / Use cases
One assessment, different review needs.
SBFinance structures the same evidence for the people managing the business, advising it and evaluating future protection workflows.
SMEs and founders
Identify financial exposure, test disruption scenarios and prepare informed questions for a broker or insurer.
Finance teams
Connect insurance decisions to cash flow, runway, supplier concentration and financial resilience.
Accounting and advisory firms
Add evidence-linked financial-risk and protection-readiness reviews to existing client workflows.
Insurance brokers
Review structured SME financial context, possible gaps, assumptions and unresolved policy questions.
Insurers and fintech partners
Explore a privacy-conscious, exportable protection-assessment workflow for future pilot integration.
Arrive at the protection conversation prepared.
- See which operating risks have the largest modelled cash effect
- Understand what evidence came from the policy and what remains uncertain
- Compare current cash and runway with an indicative uncovered event
- Take structured questions and a readiness report to a qualified professional
Start with structured context, not a blank intake.
- Review extracted facts with page-level policy evidence
- See low-confidence, inferred and missing states explicitly
- Inspect deterministic scenario assumptions and financial derivations
- Validate workflow, interpretation boundaries and future integration needs in a design pilot
12 / Four honest paths
Start with proof. Move to a scoped pilot.
No public pricing, customer count or partnership claim is implied. A pilot or design partnership starts only after scope, data handling and review boundaries are agreed.
Free Interactive Protection Gap Demo
Explore the synthetic Singapore SME, policy evidence, scenario controls and report preview in the browser.
Run free demoSME Protection Readiness Pilot
A scoped review of financial exports, policy facts, selected scenarios, an evidence-linked gap report and feedback.
Request pilotBroker or Insurer Design Partnership
An invitation to validate workflow, calculations, policy interpretation boundaries and possible integrations.
AI-CFO Private Beta
For teams focused on cash flow, financial leaks, anomaly detection, grounded reports and decision simulation.
Request beta access
Proposed pilot focus and boundaries
The public scenario represents a Singapore digital-services SME with Singapore and Johor operations and SGD reporting. Any pilot must agree jurisdiction, policy type, accepted inputs, data handling, deletion, human sign-off and success measures before sensitive data is exchanged. It excludes production quoting, binding, underwriting, claims decisions, insurance sales and customer-facing coverage determinations.
13 / Protection readiness report
A reviewable hand-off, not a mystery score.
The sample includes the SME context, financial facts, coverage-gap register, policy evidence, cash-flow impact, assumptions and limitations.
SYNTHETIC EXAMPLE
SME Risk & Protection Readiness Report
Evidence-linked assessment / calculation version protection-v2
14 / Team
Founder-led and built for reviewable financial decisions.
SBFinance is an early-stage product. The team is seeking SMEs and domain reviewers to test protection workflows, calculations and hand-offs.
Founder and product
Leads the local-first financial analysis and Protection Gap product, with a focus on traceable calculations and practical SME workflows.
SME and domain reviewers wanted
We are inviting finance, accounting, broker and insurer reviewers to challenge assumptions, evidence handling and pilot integration boundaries.
15 / FAQ
What to know before using the assessment.
The short version: SBFinance supports informed review. It does not sell insurance or replace a qualified professional.
What does SBFinance assess?
The public synthetic prototype illustrates how financial inputs, policy facts and a structured SME risk profile could support review of modelled exposure, possible coverage gaps and cash-flow impact. Production capabilities require pilot validation.
What do I need to provide?
The desktop workflow uses a CSV or XLSX financial export, a text-based insurance-policy PDF and a short structured risk profile. The public browser demo uses synthetic data and requires no upload.
Is the browser demo a real customer assessment?
No. The browser demo and sample report use a clearly labelled synthetic Singapore SME, an illustrative policy and precomputed deterministic scenarios.
Does my financial or policy data leave my machine?
The desktop analysis is designed for a local or private workflow so raw files do not need to be uploaded to a cloud-first analysis service. Optional external services, if configured, must be disclosed and validated for the deployment. The public demo does not upload financial exports or policy files.
Does SBFinance determine whether a claim is covered?
No. Possible coverage is indicative decision support, not a formal coverage determination. Actual coverage depends on complete policy wording, endorsements, exclusions and insurer determination. Verify policy interpretation with a qualified professional.
Are scenario losses actuarial predictions?
No. Scenario losses are transparent what-if calculations based on user-selected assumptions, not probabilities, forecasts or actuarial predictions.
How does SBFinance handle uncertainty or missing data?
Uncertain coverage is marked as uncertain, assumptions are shown, and missing information is surfaced rather than silently treated as zero. Policy interpretations require human verification.
What can a pilot include?
A pilot can include a financial export review, policy-fact extraction, selected disruption scenarios, an evidence-linked gap report and a feedback session. Scope is agreed before sensitive data is exchanged.
16 / Pilot request
What financial-risk or protection workflow do you want to evaluate?
Tell us enough to scope the conversation. Do not upload or paste financial exports, policy wording, account numbers or other sensitive business data into this marketing form.
- SME protection readiness pilots
- Broker workflow reviews
- Insurer design partnerships
- AI-CFO private beta access
17 / Important limitations
Decision support has boundaries.
- Synthetic demo data is not a real customer, policy, claim or insurer assessment.
- Scenario losses are user-controlled what-if calculations, not actuarial predictions or event probabilities.
- "Possible coverage" is not a formal coverage determination.
- Actual coverage depends on complete wording, endorsements, exclusions and insurer determination.
- Users should verify policy interpretation with a qualified insurance professional.
- SBFinance is not an insurer, insurance broker, underwriter, legal adviser or claims handler.
- The assessment is point-in-time and refreshes only when new financial, operational or policy data is supplied; it is not real-time monitoring.
- The public proof is synthetic. Broad real-policy extraction validation and independent review of the scenario formulas remain incomplete.
SBFinance provides indicative decision-support analysis, not insurance, legal, underwriting or coverage advice. Actual coverage depends on complete policy wording, endorsements, exclusions and insurer determination.