Monie gives your business a senior finance head with a complete finance department underneath: people plus an AI-trained system. It catches every invoice, reads every bank line, chases what you are owed, and puts a clear report and a live dashboard in front of you, on a calendar every month. For about what one hire costs.
The system does the volume. A senior finance head checks and signs off every number.
See it run
The dashboard every client gets. The month in one view, the exceptions that need a decision, and the report, refreshed each close. Sample data; figures are fictitious.
Open the demonstration dashboard →Why now
“When did you last actually see your numbers?”
“Who's chasing the money you're owed?”
“Ready for the corporate tax deadline?”
Most businesses see last month's numbers on the 25th, if at all. That's history, not information. And in the UAE, late or messy records are now a penalty risk, starting at AED 10,000 before you've filed a thing.
How a month runs
Suppliers send invoices to one dedicated address, or you forward them in two taps. The machine reads, files and logs every one, and flags any payment with no invoice behind it, because a missing invoice is a lost VAT claim.
Day one after month end, your statements land in the shared folder. The machine reads every line, bank, card and cash, matches each payment to the invoice behind it, and queues anything it can't place for a person to look at.
It codes every transaction, checks the bank reconciliation down to the last fils, and prepares the month's report in language an owner reads in five minutes. When something doesn't add up, it says so instead of papering over it.
Everything odd goes on a one-page exceptions memo, and that page comes first. A supplier paid twice. A bounced cheque. Cash with no name on it. Each with the decision it needs.
Our accountant works the memo, keys any corrections, and signs off. Only then does anything become the record.
Under the hood
Nothing gets replaced. Your documents sit in a dedicated, access-controlled folder set up at the start of the engagement, and invoices arrive at one address, or by WhatsApp, or straight from your dashboard. The intelligence layer is enterprise-grade AI, run under our own controls. You ask a question on your dashboard, your manager checks the answer, and it comes back to you, usually the same day. Running an ERP? The machine works from its exports the same way.
YOU
MONIE · via your manager
Every answer is drafted by the machine and checked by a person before it reaches you. It runs under permissions you control and can revoke any day.
Division of labour
Reads, matches and codes every transaction. Prepares the report and the dashboard. Builds your chase list. Files everything audit-ready. Answers questions through your manager, usually the same day.
Answer the exceptions. Make every judgment call. Post the entries. Approve anything that leaves. A senior finance head signs the month.
What it saves
Your next finance hire will spend most of the year on work a machine does in minutes. Late corporate tax registration alone is a AED 10,000 fine. And leaks add up quietly: on a full month of books we ran through the system, it flagged AED 73,800 of items nobody was watching, including a supplier paid twice.
Don't take those numbers on faith. Ask for the live walkthrough and watch the system run.
Who runs it
SAMEER BAKHRU, CFA · FOUNDER
Twenty years in corporate finance, the last ten running finance for owner-led companies. Every Monie client gets the same thing: a senior finance head who reads the month before you do, flags what needs a decision, and signs off on the numbers. The AI-trained system does the volume so that time goes on your business, not on data entry.
Services
Every supplier invoice caught and filed. Every bank, card and cash transaction read, matched and coded. The bank reconciled to the last fils. VAT prepared, receivables chased, a one-page exceptions memo, and a report you read in five minutes, with a live dashboard, on a calendar every month. A senior finance head checks and signs off before any of it becomes the record.
Everything in accounts and reporting, plus the work a finance manager does: budget against actual every month, a rolling 13-week cash forecast, the payables and payroll schedule run on time, statutory returns prepared, and an audit-ready pack at year end. One senior finance head over it all.
Everything in the finance department, plus a fractional CFO in the seat: strategy and pricing decisions off your own numbers, board packs, a financing deck when you raise, your bank and investor conversations, and the strategic read every month. A small number of these seats at any one time.
We wire the machine into your systems and set the playbooks for your business: the intake address your invoices go to, the folder you own, your reviewer, and the monthly calendar. Before you sign, watch it run live on a demonstration company, the same system, end to end.
Works with what you have
Works with the system you already run: Zoho, QuickBooks, Tally, Odoo, Xero, or spreadsheets. Read directly where the system allows it, through a short monthly export where it does not. Nothing gets replaced. Excel and a drawer of paper: fully welcome, the machine works from whatever you have.
Straight answers
Ready to see it on your own numbers? Message us and we'll set up a 30-minute walkthrough.