Muse Finance addresses SME market with over $5tn of immediate credit need. We provide a quick 30-day cashflow snapshot with instantaneous access to liquidity via invoice financing
39% of minimum goal raised
Minimum Target £ 700,000 |
Minimum investment amount £ 10,000 |
Maximum Target £ 1,500,088 |
Maximum investment amount £ 750,000 |
Muse Finance is a cashflow analytics and funding provider to SME. We target to close the gap of trapped liquidity ($16tn globally) owed to SME in form of unpaid invoices. Our technology enables us to use transactional and accounting package data to make rapid credit decision and deploy funds within 24 hours (and minutes in the future). In addition, our cashflow tool provides SME with 30 day cashflow outlook and AI driven insights. SME can access liquidity by selling invoice with a click of a button. We target SMEs with <£5m turnover and less than 25 employees. This is by far the most credit hungry segment which is also underserved by traditional financing sector.
Muse Finance's CEO and Founder Ann Juliano pitching at one of Angels Den's events.
At Muse Finance, we offer four features to allow SME take control financial management:
1) Provide a comprehensive cashflow tool by linking to 40+ bank accounts and 12+ accounting packages
2) Supply access to funding with invoice financing, with a click of a button
3) Underwriting as a Service, we offer Underwriting, KYC/KYB, AML, credit decisioning and monitoring
4) Data aggregation and analytics: we use AI to provide insights to SME
With the fundraise we target to further automate credit decisioning and build out AI driven data monetisation tools
There is £16 trillion of trapped liquidity to SME in form of unpaid invoices. This is mismatch of when services were provided vs paid for.
Over 85% of business fail due to cashflow issues, due to pure liability to pay rent at salaries at month end while they are waiting for supplier payments. Nearly 80% of payments are delayed by additional 30 days on top of the payment terms, this number increased by additional 7 days with COVID. SME owners spend over 2 days each week managing cashflow, which has significant impact on productivity.
Post COVID government support drying up, alternative finance market will be ramping up as SMEs are looking to pay back the bounce back loans.
Our revenue model implies three streams. In the immediate future, we are focusing on invoice finance (average of 2% of invoice value is charged the client) and cashflow tool analytics (3Tier subscription model starting at freemium). Further down the line we plan to develop white label space ( at the moment we have several discussion on the go, one in advanced stages)
How we operate
Muse Finance sits between SME and funding provider, it does not take credit risk, but performs underwriting as a service along with other functions ( see product section). Muse has pre-agreed score cards with dedicated funder, which allows for single onboarding and smooth customer experience.
At Muse Finance, we offer four features to allow SME take control financial management:
1) Provide a comprehensive cashflow tool by linking to 40+ bank accounts and 12+ accounting packages
2) Supply access to funding with invoice financing, with a click of a button
3) Underwriting as a Service, we offer Underwriting, KYC/KYB, AML, credit decisioning and monitoring
4) Data aggregation and analytics: we use AI to provide insights to SME
With the fundraise we target to further automate credit decisioning and build out AI driven data monetisation tools
There is £16 trillion of trapped liquidity to SME in form of unpaid invoices. This is mismatch of when services were provided vs paid for.
Over 85% of business fail due to cashflow issues, due to pure liability to pay rent at salaries at month end while they are waiting for supplier payments. Nearly 80% of payments are delayed by additional 30 days on top of the payment terms, this number increased by additional 7 days with COVID. SME owners spend over 2 days each week managing cashflow, which has significant impact on productivity.
Post COVID government support drying up, alternative finance market will be ramping up as SMEs are looking to pay back the bounce back loans.
Our revenue model implies three streams. In the immediate future, we are focusing on invoice finance (average of 2% of invoice value is charged the client) and cashflow tool analytics (3Tier subscription model starting at freemium). Further down the line we plan to develop white label space ( at the moment we have several discussion on the go, one in advanced stages)
How we operate
Muse Finance sits between SME and funding provider, it does not take credit risk, but performs underwriting as a service along with other functions ( see product section). Muse has pre-agreed score cards with dedicated funder, which allows for single onboarding and smooth customer experience.