Zivra AI has launched Zivra, an AI-powered business health and financial intelligence platform that turns everyday transactions—from banks, POS, mobile money, cash, and receipts—into continuous cashflow and risk insight, giving small and medium-sized businesses real-time financial clarity.
For many SMEs, “knowing the numbers” still arrives late—after bank statements, after manual reconciliation, after the month ends. In fragmented markets, this delay is structural, not behavioral. Payments and expenses move across multiple rails, while most financial tools assume clean, single-rail data and periodic reporting. The result is that businesses operate reactively instead of proactively.
Zivra is built for the way SMEs actually operate. It continuously evaluates financial activity across sources and converts it into decision-ready outputs, so leaders can understand current health, detect risk earlier, and respond faster.
“The core problem isn’t bookkeeping—it’s real-time visibility,” said Dr. Ekuma, founder and CEO of Zivra AI. “SMEs don’t need more reports. They need continuous financial understanding—cashflow, risk, and health signals that update as the business operates.”
Zivra provides multi-rail ingestion across banks, POS, mobile money, receipts (OCR), and manual uploads. As transactions occur, the platform updates real-time indicators including cash position, cashflow forecasting, and risk or anomaly signals. A business health score tracks financial stability and trend direction over time, while an AI assistant supports natural-language queries and automated summaries.
Zivra is also designed to produce credit-native outputs, including lender-grade health signals that are machine-readable and accessible via APIs, helping businesses convert operational financial behavior into insights that can support better decisions and improved readiness for capital.
The initial focus is on digitally active SME markets, starting with Nigeria, with planned expansion into Kenya, Ghana, South Africa, and Egypt. The company’s view is that fragmentation is most visible in Africa, but increasingly common globally as businesses rely on a mix of payment rails and tools that do not reconcile cleanly.
Zivra is now live, and businesses can request access through the company’s website.