Executive intelligence  ·  Built for Indian MSMEs

AI executive intelligence for Indian MSMEs.

MSMENXT turns supported finance, sales, purchase, inventory and operating data into CFO, COO, CRO, risk and supply chain management intelligence. Owners receive clear observations and priorities while people remain responsible for every business decision.

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Finance intelligence Operations and revenue intelligence Risk and supply chain decisions

Five connected products

MSMENXT AIDecision intelligence
MSMENXT MicroBooks and follow up
MSMENXT Supply ChainConnected operations
MSMENXT LenderFinance providers
MSMENXT ConnectorSecure data connection

Executive intelligence capabilities

From business records to a focused management review.

Use the relevant capability on its own or connect several management views. Every page explains who it is for, the supported data it uses, what MSMENXT analyses, what management receives and the limits that still require human judgement.

AI CFOCash flow, receivables, working capital, profitability and liquidity.Explore finance AI COOInventory, procurement, vendor performance and operating exceptions.Explore operations AI CRORevenue, customers, sales concentration and commercial risk.Explore revenue Risk IntelligenceOverdue exposure, concentration, deterioration and management alerts.Explore risk MSMENXT ConnectorUse supported existing accounting, ERP and business data without necessarily replacing core systems.Explore connection

Our businesses

One ecosystem. Five ways to move business forward.

Choose a product to see how MSMENXT supports business owners, micro enterprises, procurement teams, finance providers and secure business data connections.

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For growing businesses

Your AI executive team, in one daily brief.

Finance, operations, risk and trade signals work together so the owner sees what changed, why it matters and what to decide next.

CFOOPERATIONSRISKTRADE
Explore MSMENXT
MSMENXT Decision BriefLIVE
2.1 monthsAction required
Decisions today03Prioritised for owner
Executive signals
CFO62
Operations81
Risk74

Hover, focus or tap a business to explore

The problem

One person doing six jobs, with the numbers in five places

A large company has a finance head watching cash, an operations head watching stock, a risk officer watching exposure. A small business has one owner doing all of it between customer calls, working from a bank app, a GST portal, a Tally file and memory.

63M+
Indian MSMEs, over 99% of them micro, almost none with a finance team
₹30 lakh cr
The credit gap, because lenders cannot read these businesses either
Weeks late
How long trouble usually sits in the data before the owner notices it

The solution

Meet the team. One data connection, seven executives.

Every one works from the same uploaded or consented bank, GST and accounting figures. Nothing is entered twice. Each reports in plain language, shows the arithmetic behind every number, and labels how complete the evidence is.

Hover or tap a role on the left to see what it does.

AI CFO

Your money

Watches cash the way a finance director would, every day rather than every quarter.

  • DailyA 60 second morning brief: cash today, runway, dues, and the three things to fix
  • ForecastCash weeks ahead, adjusted for your season, with scenarios before you commit
  • Health CardAn explainable score with a High, Medium or Low data confidence label
  • Cash, overdraft use and liquidity cover in one view
AI COO

Your operations

Turns what the numbers say into what someone should actually do this week.

  • CollectionsWho to chase first, and how many days of runway each recovery buys back
  • BenchmarkYour margins and collection days against businesses like yours
  • GST invoice & compliance preparationRaise a GST invoice and prepare electronic invoice, electronic way bill and GSTR 1 records for review
  • Live filingIRN generation, electronic way bill numbers and GST filing require a configured GSP / IRP connection
AI Global Trade

Your export desk

The paperwork and the currency risk that stop most small exporters before they start.

  • DocumentsCommercial invoice and packing list drafted and totalled, with a checklist of what else the shipment needs
  • ForexWhat a rate move actually costs on money you are owed, and the options
  • Export, Import, Incentives, ComplianceMarket finding, sourcing, unclaimed RoDTEP and DGFT status, available on request
AI Risk

What could go wrong

The checks a bank runs on you, run for you instead.

  • Counterparty checksAssess a buyer before you extend them credit
  • Data reconciliationDeclared turnover against bank credits and ITR, mismatches flagged before a lender finds them
  • Fraud and bank monitoringUnusual cash movement and vendor GST changes, available on request
AI Assistant

Ask it anything

Not a chatbot that guesses. Every answer is computed by the engine from your own numbers.

  • Copilot“Can I afford a hire at 1 lakh a month?” and it answers with the working shown
  • HistoryWhat changed since last time, so you see direction and not just position
  • WhatsApp automationThe brief and the reminders sent without you opening anything, available on request
AI People

What your team costs

Labour cost intelligence, deliberately not surveillance.

  • Wage bill against revenueTracked monthly and against your sector
  • Revenue per employeeSo you know whether the next hire is affordable
  • Available on request
AI Market

What's moving around you

Market signals with cited sources, linked to the inputs they affect. Verify or act, your call.

  • Market intelligenceCommodity and raw material moves, RBI and GST notices, each with a source and a reporting date
  • Opportunity finderGovernment tenders, schemes and export opportunities matched to your profile
  • On requestRequires licensed commodity, policy, tender and trade data feeds to go live
Scoring, invoices and compliance preparation are available today. Live generation, electronic way bill numbers and GST filing appear only after an authorised connection is configured. Try the interactive demo below, with a sample business or your own numbers.

How it works

The engine computes. The AI only phrases.

Every figure you see is calculated in auditable code, never generated by a model. The AI turns those numbers into plain language. It cannot invent one.

STEP 01

Connect, or upload

Bank, GST and accounting data with consent. Or drop in a Tally or bank export, and we read it on your device.

STEP 02

The engine reads it

It learns what normal looks like for your business, including your season, and watches for drift from it.

STEP 03

Your team reports

Each executive tells you what it found, why it matters, and what to do about it today.

That design is why a lender and a regulator can both audit a decision, and why an owner can trust one. How the engine weighs the data is our own, and it stays on our servers.

Exclusively for finance providers

Win new business customers. Manage every relationship with AI.

MSMENXT Lender is built exclusively for banks, financial institutions and lenders. It provides qualified new business leads and helps teams grow and manage existing customer relationships with continuous AI insights.

Acquire qualified new leads

Receive better prepared business opportunities with useful context, helping your team prioritise prospects and move promising applications forward efficiently.

Manage customers with AI

Prioritise follow ups, identify growth opportunities and continuously manage existing customer relationships with AI powered insights and recommended actions.

Supply chain

Your AI Chief Procurement Officer.

MSMENXT SupplyChain applies the same decision engine to purchasing: what to buy, when to buy, which supplier to choose and what that decision does to cash, production and delivery risk. When finance is needed, it also helps the business connect with lenders for supply chain or funding.

MSMENXT SupplyChain

From purchase request to PO, every decision is supported by evidence and ready for approval.

Open SupplyChain →

Buy with context

Supplier price, delivery reliability, quality, payment terms, stockout risk and cash impact are compared together, not in separate Excel files and WhatsApp messages.

One best decision

The AI CPO explains its supplier recommendation, shows the evidence and prepares a purchase order for approval. A business user always remains in control of the final approval.

Connect with lenders when finance is needed

Turn purchasing and operating information into a clearer funding conversation and connect with lenders for suitable supply chain or working capital finance.

Pricing by product

One place to compare every MSMENXT plan.

Choose the product first, then compare only the plans that belong to it. MSMENXT Micro is bookkeeping without AI, MSMENXT AI provides weekly or daily decision support, and Supply Chain Management is priced by connected network size.

MSMENXT Micro

Simple business records and follow up.

For micro businesses and wholesalers that need reliable bookkeeping, billing, stock control and payment follow up in one workspace.

No AI included
MSMENXT Micro

Bookkeeping & follow up

For micro businesses and wholesalers
₹999 / mo
≈ ₹833/mo · save ₹1,989
  • Create and manage GST invoices
  • Track purchases, sales returns and purchase returns
  • Manage inventory and stock movement
  • Follow up outstanding customer payments
  • Keep business reports in one focused workspace
  • Hosting and support included
Choose MSMENXT Micro
Clear Micro pricing. No setup fee. Prices are per business and exclusive of taxes. Cancel any time.
Talk to us about any plan
WhatsAppHelp me choose Bhupesh Purohitbhupesh@msmenxt.com MSMENXT Supportsupport@msmenxt.com

Why now

The rails arrived, and AI got cheap enough to watch

Three things changed at once, and none of them existed a few years ago.

Consented data became a rail

India’s framework now carries bank and GST data together, with the owner’s consent, in real time. The same consent based model is regulated across Europe, the UK, Brazil and Australia. A business can finally be read without being asked for a single document.

Watching became affordable

Running a daily analysis on every small business used to cost more than a small business would ever pay. It no longer does. A finance function that once required a salary now costs rupees a month.

Regulation turned toward explainability

Credit decisions made by AI are being pushed toward transparency and traceability in every serious market. Most tools have to retrofit that. Ours computes in auditable code and shows its working by construction.

Why we start in India. Sixty three million small businesses, tax digitised through GST, and the only framework in the world that carries bank and tax data on the same consented rail. If this works anywhere it works here first, and the architecture is source agnostic, so it travels as those rails spread.

Interactive demo

See three products turn business data into action

Choose a product and watch a guided eight second example. Each journey shows what enters the workspace, what the engine checks and the result a customer receives.

Watch MSMENXT product demos on YouTubeSee real product walkthroughs with 105,000+ views. Watch on YouTube
Get MSMENXT on any deviceOpen your secure workspace in a browser or install the Android release.
RecommendedOpen Web AppWorks on phone and computer. Install it from the app menu. Download Android AppVersion 1.1.5 · 67.4 MB · Direct APK download
MSMENXT Micro sample

Turn everyday records into a clear business view

Data enteringReady
Engine workingWaiting
    Result deliveredPreview
    Choose Run sample to begin
    Explore MSMENXT Micro →
    Open the detailed MSMENXT AI workspace demo

    Explore eight sample businesses, every executive and detailed engine output. You can also score your own business or prepare an invoice.

    Customer voices

    What business teams say about MSMENXT

    Seven customer perspectives from early MSMENXT AI use. Move through each story to see where the product reduced reporting effort and made business signals easier to act on.

    MSMENXT AI has simplified how we review our business MIS and performance information. Uploaded data becomes dashboards, financial analysis and management insights, helping us identify important information much faster.
    PanchamNavyug Electrospark
    Management MIS

    Trust & Assurance

    Platform quality and security reports

    View verified testing evidence for MSMENXT AI, MSMENXT Micro and MSMENXT Supply Chain in one clear place.

    Published as view only web summaries. Credentials, customer records, private infrastructure details and security sensitive procedures are excluded.

    Public platform assurance | August 2026

    MSMENXT Daily and Weekly Intelligence

    Verified evidence for private business intelligence, recurring management reports, AI cost controls, company isolation and controlled operational workflows.

    Assurance outcome PASS Evidence assessed 5 to 9 August 2026
    Report issued 11 August 2026
    3 hoursContinuous run
    1,925Test processes
    525Public live checks
    0Recorded failures
    175Repeated release cycles
    11Core calculation suites
    6Supported file classes tested
    14Reliability and safety fixes verified
    OK
    What this means for customers

    The assessed release repeatedly produced the expected result across plan controls, stored reports, document handling, AI usage limits and company isolation. The evidence supports a measured commercial launch with ongoing monitoring.

    Product and reliability evidence
    Assurance areaVerified controlOutcome
    Daily and Weekly plansPlan markers, report frequency, billing period controls and plan change pathsPASS
    Stored reportsPeriod and source fingerprint controls prevent repeat generation from unchanged dataPASS
    AI cost controlsTask, daily and billing period ceilings, retries and duplicate request protectionPASS
    Company isolationCompany identity and database route resolved from the authenticated server contextPASS
    Document handlingCSV, XLSX, PDF, scan, PNG and JPEG paths tested using synthetic dataPASS

    Daily AI access remains independent of report frequency. Weekly Intelligence stores one weekly business report, while Daily Intelligence stores one daily management report. Reopening a stored report does not create another model call.

    Operational scale and performance
    Load classRowsAssessed workflowResult
    Small16Stage, approve, commit, replay and reversePASS
    Medium80Stage, approve, commit, replay and reversePASS
    Heavy400Stage, approve, commit and reversePASS with latency watch
    Very heavy1,000Staging validationPASS
    Extra heavy2,2002,000 staged plus exact 200 row warningPASS

    The strongest continuous run completed 175 cycles and 1,925 test processes with no recorded failure. Large synchronous commits completed but remain under performance watch. Queue based background commit is the recommended scale improvement.

    Security, privacy and assurance limits
    • Authenticated company selection, secure session handling, prepared database access and company scoped document references were included in release gates.
    • AI controls covered kill switches, cost caps, timeouts, retry ceilings and duplicate request protection.
    • Central usage analytics exclude raw prompts, model responses and document bodies.
    • This management prepared assurance summary is not an independent penetration test, statutory certification or uptime guarantee.
    • Every external ERP, bank and GST integration, unlimited concurrency and real customer outcome quality remain outside this report.
    Final platform assurance verdict: PASSResults apply to the assessed release and synthetic test scope.

    Team

    A founder who knows the problem and can build it

    Bhupesh Purohit
    Founder

    Experience across banking operations, client onboarding, KYC and SME credit, with deep fluency in what lenders check and how cashflow trouble forms.

    Frequently asked questions

    Five products. One clear place to start.

    Choose a product to see the answers that matter to your business, procurement team, lending institution or data connection.

    GeneralWhich MSMENXT product is right for my organisation?

    Choose MSMENXT AI for an AI executive team and regular decision briefs, MSMENXT Micro for bookkeeping, billing, stock and payment follow up, Supply Chain for procurement and connected business workflows, MSMENXT Lender for banks and finance providers managing leads and customers, and MSMENXT Connector for a secure business data connection.

    GeneralCan the five MSMENXT products be used independently?

    Yes. Each product is a focused workspace with its own client access. Your organisation can start with the product it needs now and discuss a broader combination with our team as requirements grow.

    GeneralHow does MSMENXT handle business data?

    Files used in the public scoring experience are read on your device. Confirmed figures are sent only for computation, and raw financial files are not stored unless an authenticated product workflow specifically saves account history. Access controls and human approval remain central to product actions.

    MSMENXTWhat is the difference between weekly and daily monitoring?

    Weekly monitoring provides a scheduled management review, while daily monitoring refreshes decision support more frequently for businesses that need closer oversight. Both use the MSMENXT AI executive team across finance, operations, risk, market, people and trade.

    MSMENXTWhat information does MSMENXT use?

    MSMENXT can work with business confirmed financial and operating figures, including cash, , , sales, GST information, inventory and other management inputs. The available connections and level of automation depend on the selected workspace and onboarding.

    MSMENXT MicroWho is eligible for MSMENXT Micro?

    MSMENXT Micro is designed for micro businesses and wholesalers that need a focused workspace for bookkeeping, billing, purchases, inventory and payment follow up. There is no turnover limit. MSMENXT Micro does not include the AI executive team.

    MSMENXT MicroWhat is included in the Micro workspace?

    It brings bookkeeping, GST invoicing, purchase and return tracking, inventory control, payment follow up, saved business history and focused reports into one workspace. It does not include the MSMENXT AI executive team.

    Supply ChainWhat counts as a connected business?

    A connected business is an organisation, such as a buyer, supplier, distributor or dealer, linked to your Supply Chain network. The plan limit controls how many organisations can participate in that connected ecosystem.

    Supply ChainWhat does unlimited transactions include?

    Plans do not place a transaction count limit on core documents and workflows such as purchase orders, sales orders, GRNs, invoices and payments. Connected business limits still apply according to the selected plan.

    Supply ChainHow do launch pricing and the Lifetime Free GMV offer work?

    Displayed launch prices are available to the first 50 customers and may change without notice. Lifetime Free GMV is included with Starter and Growth plans, and is available to the first 100 Business and Enterprise customers. Eligibility and commercial terms are confirmed during onboarding. Confirm the offer on WhatsApp.

    Supply ChainCan Supply Chain help a business connect with lenders?

    Yes. It can organise purchasing and operating information into a clearer view for finance and help the business connect with lenders for suitable supply chain or working capital finance. A connection does not guarantee credit approval.

    MSMENXT LenderWho is MSMENXT Lender built for?

    MSMENXT Lender is built exclusively for banks, financial institutions and other lenders that want qualified business leads and an AI assisted workspace for customer relationship management.

    MSMENXT LenderCan lenders manage existing customers as well as new leads?

    Yes. Teams can prioritise new opportunities while monitoring existing customer relationships, follow ups, growth opportunities and recommended actions with continuous AI supported insights.

    MSMENXT ConnectorWhat is MSMENXT Connector?

    MSMENXT Connector provides a secure business data connection that helps bring your business data into the MSMENXT ecosystem so your selected executive workspace can read it.

    Showing all 14 questions

    See MSMENXT in action

    Choose the MSMENXT product you want to explore or access.

    MSMENXTAI executive team MSMENXT MicroBilling, stock and reports Supply Chain ManagementProcurement and supplier operations MSMENXT LenderFor banks and finance providers MSMENXT ConnectorSecure business data connection