The UAE's first AI-native general ledger for business owners and accountants.
360° one-stop, plug-and-play autonomous business finances — banking, sales, e-commerce, expenses, e-invoicing, payroll results, AI Bill Pay and platforms flowing into one record that stays continuously reconciled.
- The UAE’s Agentic AI-Native General Ledger
- Built in the UAE, for the UAE
- Continuously reconciled
- Reconciled
Emirates NBD — Current
Bank feed
- Reconciled
POS settlement — Dubai Mall
Card acquirer
- Awaiting payment
INV-1042 — Al Noor Trading
AED 18,400 · 12 days overdue
- Missing document
AED 2,310 card payment
No supplier invoice attached
- In review
Marketplace payout
Fees not yet allocated to margin
This month
Cash available
AED 412,300
Gross profit
38.4%
VAT position (est.)
AED 21,750
Open exceptions
7 to review
Illustrative interface. AI prepares the record — qualified professionals review and approve.
Plug-and-play UAE connections — banks, cards & POS, e-commerce, e-invoicing, payroll, AI Bill Pay
Business activity happens continuously. Accounting still happens after the fact.
Sales, settlements, expenses and payroll move every day. The books are assembled weeks later, from incomplete evidence, in a spreadsheet no one trusts. By the time the numbers arrive, the decision has passed.
Watch every source land in one continuous record.
Pick a connection. HEZZ normalises it, posts it, matches it and tells you what it means — live.
Bank feeds posted and matched as they clear.
Cash available
AED 412,300
Cleared today
38 lines
Emirates NBD — Current
Incoming transfer · Al Noor Trading
+18,400ReconciledMashreq — Business
Supplier payment · Gulf Packaging
−7,120MatchedADCB — Savings
Sweep transfer
−50,000PostedEmirates NBD — Current
Bank charge · trade finance
−480Reconciled
HEZZ says — All three bank feeds are current. Nothing unmatched older than 24 hours.
Illustrative interface with sample UAE data. AI prepares the record — qualified professionals review and approve.
From raw activity to a trusted financial record — then beyond it.
- 01
Connect
Banks, cards, POS, e-commerce, e-invoicing, payroll, bill pay.
- 02
Normalize
Every source into one transaction model.
- 03
Apply rules
Your chart of accounts, VAT, cost centres.
- 04
Reconcile
Payments to e-invoices and payouts. Balances to the bank.
- 05
Flag exceptions
Surfaced for a human — never assumed.
- 06
Produce statements
Ledger, trial balance, financials.
- 07
Explain
Profit, cash and tax in plain language.
- Payroll$42,100
- Advertising$8,240
- Software$3,680
- Meals$1,124
And then the part most software stops at — capital, intelligence and judgment.
- 08
Embedded Loan Underwriting
Turn receivables into working capital — instantly.
Your sales, e-commerce payouts, invoices and cash flow feed a real-time underwriting engine. Get the cash to run your business without waiting for customers to pay.
- Real-time receivable scoring
- Automated eligibility checks
- Dynamic repayment aligned to revenue
- No paperwork, no delays
- Funds as soon as receivables qualify
- 09
AI CFO
Always-on financial intelligence.
Ask in plain English. Every answer is backed by your continuously reconciled data — not a guess.
- Explain financial performance
- Identify trends and anomalies
- Answer business questions
- Generate management insights
- Recommend verified next actions
- 10
CFO On Demand
When AI needs executive judgment.
Experienced CFOs step in and work directly inside your HEZZ data — strategy, boards, funding and the calls that need a human.
- Fractional CFO services
- Strategic planning and forecasting
- Board and investor reporting
- Fundraising support
- Governance, tax coordination, M&A
- 11
AI Bill Pay
Advanced AI-automated accounts payable — in real time.
Supplier invoices are read, coded, scheduled and paid through HEZZ. AI flags duplicates, missing evidence and suspicious amounts; humans approve every disbursement.
- AI invoice capture and coding
- Duplicate and fraud detection
- Scheduled and instant payments
- Cash-flow-aware disbursement timing
- Full audit trail for every dirham
Grow with confidence. HEZZ keeps your books reconciled, your business informed, and your cash moving.
Your financial record, in your pocket.
HEZZ Everywhere. The same continuously reconciled ledger, summarized for the way owners actually work — between meetings, on site, and in the car.
- Daily Brief in your pocket, every morning
- Approve bill payments on the go
- Ask the AI CFO in plain language
Daily Brief
Cash available
AED 412,300
Gross profit
38.4%
VAT position (est.)
AED 21,750
Emirates NBD — Current
ReconciledINV-1042 · Al Noor Trading
AwaitingDEWA — AED 3,120
ScheduledCard payment AED 2,310
Missing doc
HEZZ says
Gross profit is up 2.1 pts this month — marketplace fees fell after the payout change.
The state of your business, before your first meeting.
One short, readable brief each morning — built from the reconciled record, not from a stale export.
Daily Brief — Tuesday
Illustrative exampleCash available
AED 412,300
+ AED 18,900 vs. yesterday
Yesterday's sales
AED 64,120
Across 3 channels
Gross profit
AED 24,600
38.4% margin
Receivables due
AED 187,450
AED 42,100 overdue
Payables due
AED 96,700
Next 14 days
VAT position (est.)
AED 21,750
Current period, unreviewed
Cash runway
7.4 months
At current burn
Reconciled
1,284 items
Since last brief
Missing documents (4)
- AED 2,310 card payment — no supplier invoice
- Two supplier bills without VAT evidence
- Marketplace payout without settlement report
Exceptions to review (3)
- Duplicate supplier payment suspected
- VAT treatment unclear on an export sale
- Unmatched POS settlement from Saturday
Automation with professional accountability.
HEZZ continuously prepares, reconciles and explains the financial record, while qualified professionals retain oversight over exceptions, accounting judgments, tax review and filing authorisation.
The governance model
AI assists. Accounting rules govern. Humans approve consequential matters. HEZZ is built to work with accountants and tax practitioners — not to replace them.
Accountants
Review exceptions, approve adjustments and manage several client entities from one continuously prepared record.
Tax professionals
Assess VAT treatment, check supporting evidence and retain authority over what is filed and when.
Fractional CFOs
Use live profitability, cash and forecast data to advise founders — instead of rebuilding spreadsheets each month.
Where strategy, governance, and finance converge.
HEZZ pairs a UAE-built AI CFO engine with on-call human advisory — decades of Group CFO experience embedded as a layer above the ledger. Built for founders, e-commerce and retail operators, scale-ups and family offices across the Emirates.
Strategy
Capital structure, growth financing, channel economics and exit advisory.
Governance
Board-grade reporting, controls, UAE VAT posture and audit readiness.
Execution
Close, forecast and compliance run continuously — not quarterly.
"Finance leadership in the Gulf is no longer a quarterly review. It is a continuous discipline — and it deserves an engine built in the UAE, for the UAE, with that conviction."
The HEZZ thesis
Built with honor for the UAE & the Gulf
Switch to HEZZ today.
360° CFO engine in real time. Plug-and-play bookkeeping, accounting and FP&A intelligence from Day 1 — built in the UAE, for the UAE.
Join Early Access — onboard with the founding cohort at launch pricing, locked for 12 months.
Compare plans Per entity, per month · Excl. VAT | Starter Solo founders and early-stage companies AED 249/mo | CorePopular Growing SMEs, retail and e-commerce AED 649/mo | Pro Scaling businesses with finance teams AED 1,490/mo | Enterprise Multi-entity groups and institutions Custom |
|---|---|---|---|---|
Continuous bookkeeping Posted as activity happens | ||||
Continuous reconciliation Bank, card, POS, marketplace | ||||
Source completeness alerts | ||||
UAE VAT readiness | ||||
HEZZ Daily Brief | ||||
AI Bill Pay AI-automated accounts payable | ||||
Profit AI Product, channel, customer margin | ||||
FP&A and cash forecasting | ||||
AI CFO Ask anything, answered from your ledger | ||||
Embedded loan underwriting Receivables to working capital | Eligible | |||
Multi-entity consolidation | ||||
CFO On Demand Human executive judgment | Add-on | Add-on | ||
Dedicated onboarding and support |
Businesses and accountants are joining now.
Put your finances on a continuous record.
Join the early access programme for UAE businesses, accountants, tax professionals and fractional CFOs.