Live Demo: https://thavan-ai.vercel.app
THAVAN AI is an AI-powered financial decision intelligence platform that helps small businesses predict cash crunches before they happen, prioritize payments intelligently, and stay financially stable with confidence.
Messy bank statements, scattered receipts, delayed customer payments, GST deadlines, and informal loans make financial planning difficult for many SMEs.
THAVAN AI converts fragmented financial data into clear, actionable intelligence so business owners always know:
- how long their money will last
- which payments are risky
- when financial stress may occur
- what actions will improve cash runway
Think of it as a financial co-pilot that thinks ahead.
- Predicts days until balance reaches zero (cash runway)
- Detects upcoming financial stress periods
- Suggests AI-powered actions to avoid cash shortages
- Prioritizes obligations using intelligent scoring
- Tracks receivables with confidence estimation
- Estimates GST liability and alerts deadlines
- Simulates financial decisions using what-if analysis
Small businesses often make financial decisions based only on their current bank balance, without visibility into upcoming obligations, receivables, and risks. As a result:
- unexpected cash shortages occur
- GST deadlines are missed
- supplier relationships get affected
- business owners take high-interest loans unnecessarily
- financial stress increases Existing tools focus on bookkeeping, not decision intelligence.
THAVAN AI transforms raw financial records into predictive insights using structured financial modeling and intelligent heuristics. It answers critical business questions:
- When will my balance reach zero?
- Which upcoming expenses are most risky?
- Which customer payments are likely to be delayed?
- Should I delay a payment or request early payment?
- Can I safely take a short-term informal loan?
- Will I have enough money to pay GST?
- predicts Days-to-Zero
- visualizes 30-day inflow vs outflow trends
- identifies financial risk zones
- highlights critical upcoming payment clusters
Detects risky dates when multiple obligations overlap and suggests actions:
- request early payment from customer
- delay supplier payment strategically
- use informal loan buffer
- reorder payment priorities
Supports structured and unstructured financial inputs:
- bank statements (PDF / CSV)
- invoices
- receipt images (OCR ready)
- manual transaction entry
Converts messy financial documents into structured insights.
Ranks expenses based on:
- urgency
- impact on operations
- relationship importance
- flexibility of payment timing
Examples:
- rent
- GST
- suppliers
- utilities
- loan repayments
Models real-world borrowing scenarios:
- family loans
- friend loans
- chit funds
- local lenders
Tracks repayment windows and relationship sensitivity.
Estimates probability of incoming payments using:
- expected payment timeline
- customer reliability
- confidence scoring
- GST liability estimation
- filing deadline countdown
- alert system (7-day, 3-day, 1-day reminders)
- tax payable visibility
Simulate financial decisions before acting:
- delaying expenses
- requesting early payments
- using credit buffers
- adjusting payment timing
Compare impact on:
- cash runway
- risk exposure
- financial stability
Evaluate multiple strategies:
- best case
- conservative case
- high-risk case
- optimized payment order
THAVAN AI uses a structured pipeline:
data ingestion → transaction parsing → financial modeling → risk scoring → decision recommendations → visualization
This enables explainable financial insights rather than black-box predictions.
- financial data parsing
- predictive cash flow modeling
- decision intelligence heuristics
- scenario simulation logic
- interactive dashboard visualization
- OCR-ready document ingestion pipeline
- risk scoring engine
- Days until balance reaches zero
- Upcoming cash shortfall detection
- High-risk payment clusters
- Priority-ranked obligations
- Receivable reliability score
- GST payable estimate
- Recommended financial actions
THAVAN AI enables small businesses to move from reactive financial decisions to proactive financial intelligence.
Instead of asking: “How much money do I have?”
Business owners can ask: “What is the smartest financial decision today?”