Zivra AI has launched Zivra, an AI-powered business health and financial intelligence platform. It transforms everyday transactions from bank, POS, mobile money, cash, and receipts into continuous cash flow and risk insights, giving small businesses real-time financial clarity.
For many small businesses, “knowing the numbers” still lags behind bank statements, after manual reconciliations, and after month-ends. In fragmented markets, this delay is structural rather than behavioral. Payments and expenses move across multiple rails, but most financial tools assume clean single-rail data and regular reporting. As a result, companies operate reactively rather than proactively.
Zivra is built for the way small businesses actually operate. Continuously assesses financial activity across sources and translates it into decision-ready outputs, allowing leaders to understand current health, detect risks earlier, and respond faster.
“The core issue is not bookkeeping, but real-time visibility,” said Dr. Ekma, founder and CEO of Zivra AI. “SMBs don't need more reporting. They need a continuous understanding of their finances, including cash flow, risk and health signals that update as the business operates.”
Zivra offers multi-rail ingestion across banks, POS, mobile money, receipts (OCR), and manual uploads. As trades occur, the platform updates real-time metrics such as cash positions, cash flow forecasts, and risk or anomaly signals. Business Health Score tracks financial stability and trend direction over time, and AI Assistant supports natural language queries and automated summaries.
Zivra is also designed to generate credit-native outputs, such as lender-level health signals that are machine-readable and accessible via API, to help businesses translate operational financial behaviors into insights that can support better decision-making and improved capital reserves.
The company will initially focus on the digitally active SME market, starting with Nigeria, with expansion to Kenya, Ghana, South Africa and Egypt planned. In its view, fragmentation is most evident in Africa, but is becoming increasingly common globally as businesses rely on a mix of payment rails and tools that don't align neatly.
Zivra is currently live and businesses can request access through the company's website.
