Cash Pulse

byN M P

BUILD A MICRO SAAS CALLED "CASH PULSE UAE" MISSION: A daily cash flow visibility dashboard for UAE SME founders and finance teams. Not an accounting system. A decision-readiness layer that sits on top of bank accounts, invoices, and obligations to prevent cash flow blindness. --- PROBLEM STATEMENT: 80% of UAE SMEs report needing better cash flow management tools. SMEs don't stall because they lack funding, but because they lack visibility over their financial position. Decisions are made reactively because founders cannot see real-time receivables and payables. This leads to payroll panic, missed VAT deadlines, and expensive short-term credit. --- TARGET USER: - UAE SME founder (10-50 employees) - Outsourced finance manager / accountant managing multiple clients - Pre-Series A startup CFO needing runway visibility - Primary language: English (Arabic RTL support in V2) --- CORE MODULES (MUST BUILD): MODULE 1: DASHBOARD (Daily Cash Position) - Single-screen "You have AED 127,400 today. AED 89,000 is committed this week." - Connect bank accounts via open banking (Mashreq, Emirates NBD, FAB, ADCB) - Show cash on hand across AED + foreign currency accounts - Visual indicator: Green (>60 days runway), Yellow (30-60 days), Red (<30 days) MODULE 2: 30-DAY FORECAST (Rolling Cash Flow) - Timeline view: Day 1 to Day 30 - Expected inflows: Invoices due, categorized by customer - Expected outflows: Payroll, rent, supplier payments, VAT - Expected payment date vs. invoice due date (learned from customer history) - Net cash position by day MODULE 3: BURN RATE & RUNWAY CALCULATOR - Monthly burn rate: auto-calculated from actual outflows - Runway in days: "At current burn, you have 47 days of cash" - Operational cash vs. growth capital split - Chart: burn rate trend over last 6 months MODULE 4: WHAT-IF SCENARIO BUILDER - "What if Client X pays 30 days late?" → instant impact on runway - "What if I hire 2 staff at AED 8,000 each?" → cash impact - "What if rent increases 15%?" → scenario modeling - Slider inputs for quick adjustments MODULE 5: VAT & COMPLIANCE CALENDAR - VAT filing deadlines linked to cash position - License renewal alerts - Corporate tax return deadlines - "You need AED 45,000 for VAT on the 28th. Your forecast shows AED 38,000. Action required." MODULE 6: ALERT SYSTEM - Email + WhatsApp Business API notifications - Triggers: "Cash below 30 days runway", "Large payable due in 3 days", "Customer payment 15 days overdue" - Digest mode: Daily morning summary at 8 AM MODULE 7: RECEIVABLES AGING - Table: Customer | Invoice | Due Date | Days Overdue | Amount - Color-coded: Green (0-15 days), Yellow (16-30 days), Red (30+ days) - One-click "Send Reminder" button (auto-generates polite reminder email) MODULE 8: PAYABLES TRACKER - Upcoming obligations: rent, payroll, supplier invoices, VAT - Days until due - Priority ranking by impact --- DATA MODEL: User: - id, email, company_name, license_type (mainland/free_zone), industry, team_size, created_at BankAccount: - id, user_id, bank_name, account_number_masked, currency (AED/USD/EUR/GBP), current_balance, last_synced_at Transaction: - id, bank_account_id, amount, type (inflow/outflow), category, description, date, is_recurring Invoice: - id, user_id, customer_name, amount, due_date, expected_payment_date, status (pending/paid/overdue), days_overdue Scenario: - id, user_id, name, assumptions (JSON), projected_runway_days, impact_on_cash Alert: - id, user_id, type, message, status (read/unread), channel (email/whatsapp), sent_at --- USER FLOWS: ONBOARDING FLOW: 1. Sign up with email / Google / LinkedIn 2. Company profile: name, industry, team size, license type 3. Connect bank account (Plaid / open banking API) 4. Upload last 3 months of invoices (CSV import) 5. Set VAT filing frequency (quarterly/monthly) 6. Dashboard loads with live data DAILY ACTIVE USER FLOW: 1. Open dashboard → see daily cash position 2. Scroll to 30-day forecast → identify upcoming pinch points 3. Check alert bell → review any warnings 4. Review receivables aging → send reminder for overdue invoice 5. Run "What-If" scenario before hiring decision ACCOUNTANT PARTNER FLOW: 1. Accountant logs in 2. Sees client list (up to 10 clients) 3. Clicks client → sees their dashboard 4. Can add notes, adjust forecast assumptions 5. White-label export: PDF cash report with accountant branding --- TECH STACK (RECOMMEND): Frontend: - Next.js 14 (App Router) - Tailwind CSS + shadcn/ui - React Query for state management - Recharts for charts Backend: - Next.js API Routes / Node.js - PostgreSQL (via Supabase) - Redis for caching bank data Authentication: - NextAuth.js (Google, LinkedIn) Banking / Open Banking: - Plaid (if available for UAE) OR - Tarabut / lean.tech (MENA open banking APIs) - Fallback: Manual CSV import + manual balance updates Notifications: - Resend.com for email - WhatsApp Business API (via Twilio or 360dialog) Hosting: - Vercel (frontend) - Supabase (database + auth) Integrations (V2): - Zoho Books API - QuickBooks Online API - Xero API --- UI/UX REQUIREMENTS: - Dark mode default (finance professionals prefer dark dashboards) - Mobile-first responsive (founders check on phone) - Numbers should be large, scannable, not buried in tables - Use AED currency formatting throughout (AED 1,234.56) - Color coding: Green = healthy, Yellow = caution, Red = danger - Loading states for bank sync (show "Last updated 2 mins ago") - Empty states: helpful illustrations when no data --- MONETIZATION MODEL: Starter: AED 249/month - 2 bank accounts - Daily cash position - 30-day forecast - Email alerts Professional: AED 499/month - Unlimited bank accounts - Scenario builder - VAT calendar - WhatsApp alerts - Multi-user (up to 3) Accountant Partner: AED 1,499/month - 10 client dashboards - White-label reports - Client management portal - Priority support Free Trial: 14 days full access, no credit card required --- DIFFERENTIATION FROM EXISTING TOOLS: - Not an accounting software (not competing with Zoho/Xero) - Not a bank app (cross-bank, invoice-aware) - Not a spreadsheet (automated, real-time) - Built specifically for UAE: VAT, AED currency, WPS awareness, local bank support --- VALIDATION SIGNALS TO INCLUDE IN MARKETING: - "80% of UAE SMEs report needing better cash flow management tools" (Ken Research) - "SMEs don't stall because they lack funding, but because they lack visibility" - "Revenue looks impressive. Cash flow keeps you alive" --- GO-TO-MARKET V1 (MVP SCOPE): Only build Modules 1, 2, 3, 6, and 7 for MVP. - Bank feed integration (1 bank) - CSV invoice import - Daily cash position - 30-day forecast - Basic email alerts - Receivables aging table WHAT TO SKIP FOR V1: - WhatsApp alerts (use email) - Multi-user - Scenario builder - Accountant partner portal - Open banking (use manual CSV import if API is complex) --- OUTPUT REQUIREMENTS: Generate a complete Next.js application with: 1. Database schema (Prisma + PostgreSQL) 2. Authentication system 3. Dashboard with all MVP modules 4. CSV import functionality 5. Alert system 6. Responsive design (mobile + desktop) 7. Deployment-ready for Vercel BUILD IT NOW.