Nexora Capital — The Nexora Solution & Product Suite
The digital SME banking capability and the embedded AI capability that make up the Nexora solution and product suite.
Section 8 · Business Plan
The Nexora Solution & Product Suite
The digital SME banking capability and the embedded AI capability that make up the Nexora solution and product suite.
Nexora delivers a fully integrated SME financial ecosystem across
seven product lines, sequenced so that each launch deepens the data moat
that powers the next.
| Product | Description | Launch |
|---|---|---|
| Nexora FlexFund | AI-powered revolving working-capital facility; limits from R25k to R5m; repayments flex with revenue | M12 (pilot) |
| Nexora Advance | Fixed-term SME funding, 3–24 months, transparent single-fee pricing | M12 |
| Nexora Bank | Digital SME business account via sponsor-bank partnership; multi-user, virtual cards, treasury tools | M14 |
| Nexora Flow | Cash-flow analytics and forecasting dashboard; SME health scoring | M14 |
| Nexora Pay | Integrated collections and supplier payments; PayShap and EFT rails | M18 |
| Nexora Invoice+ | Invoice discounting and procurement finance against approved offtakers | M20 |
| Nexora Trade | Cross-border SME trade finance and FX for import/export flows | M28 |
Digital SME Banking Capability
- Multi-user access with role-based permissions for owner,
bookkeeper and staff. - Virtual and physical cards with merchant-level controls and
automated expense categorisation. - Treasury tools: sweep accounts, notice deposits and payment
scheduling. - Automated reconciliation against Xero, Sage and QuickBooks
ledgers. - Bulk supplier payments with approval workflows and fraud
screening.
Embedded AI Capability
Five AI services run across the platform: cash-flow forecasting
(13-week rolling projections from transaction data); fraud detection
(network and behavioural anomaly models on payment flows); SME health
scoring (a composite early-warning indicator shared with the customer);
automated financial insights (natural-language digests of margin, debtor
and creditor trends); and smart repayment optimisation (dynamically
matching collection timing to inflow patterns, which directly reduces
arrears). Each service consumes the same event stream, so marginal
product cost falls as the ecosystem grows.
mitigant, not just a growth story
Because banking, payments and analytics products generate fee revenue
with no balance-sheet consumption, their success reduces reliance on the
warehouse and improves interest cover in exactly the years covenants are
tightest. The downside scenario tests the failure of this
diversification explicitly.
Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Nexora Capital (Pty) Ltd.