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LendWise IQ
SME Analysis Platform
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📋
Verbal Assessment
🧾
Invoice Financials
1
Business Info
2
Revenue
3
Costs
4
Assets & Debts
5
Cash Flow
6
Report
🏢
Business Information
Step 1 of 5
Owner & Identity
Full Name
Phone Number
National ID / Reg. No.
Governorate / City
— Select —
Baghdad / بغداد
Basra / البصرة
Mosul / الموصل
Erbil / أربيل
Najaf / النجف
Kirkuk / كركوك
Sulaymaniyah / السليمانية
Other / أخرى
Business Details
Business Name
Business Sector
— Select —
Retail Trade / تجارة التجزئة
Food & Beverage / أغذية ومشروبات
Manufacturing / تصنيع
Services / خدمات
Construction / بناء
Agriculture / زراعة
Transport / نقل
Other / أخرى
Years in Operation
— Select —
Less than 1 year / أقل من سنة
1–2 years / 1–2 سنة
3–4 years / 3–4 سنوات
5–10 years / 5–10 سنوات
More than 10 years / أكثر من 10 سنوات
Number of Employees
— Select —
Owner only / صاحب النشاط فقط
2–5
6–10
11–20
20+
Legal Structure
— Select —
Sole proprietor / مالك فردي
Partnership / شراكة
LLC / شركة ذات مسؤولية محدودة
Informal / غير رسمي
Business Location
— Select —
Fixed shop / محل ثابت
Market stall / بسطة في السوق
Home-based / من المنزل
Mobile / متنقل
Online / عبر الإنترنت
Main products or services
Loan Purpose
Loan Purpose
— Select —
Working capital / رأس المال العامل
Equipment purchase / شراء معدات
Expansion / توسعة النشاط
Inventory / شراء بضاعة
Renovations / تجديدات
Debt refinancing / إعادة هيكلة ديون
Amount Requested (IQD)
Preferred Loan Tenure
— Select —
6 months / 6 أشهر
12 months / 12 شهراً
24 months / 24 شهراً
36 months / 36 شهراً
48 months / 48 شهراً
Previous loans?
— Select —
No / لا
Yes, currently active / نعم، لا يزال قائماً
Yes, fully repaid / نعم، مسدد بالكامل
Yes, with late payments / نعم، مع تأخر
Supporting Documents Available?
Mobile money records
Supplier invoices
Tax registration
Bank statements
Shop lease
None available
▶
Next: Revenue
📈
Revenue & Sales
🎙
Ask the owner:
"On a typical day, how much do you take in? What about your best week and your slowest week?"
"في يوم عادي، كم تكون مبيعاتك؟ وما هو أفضل أسبوع وأبطأ أسبوع لديك؟"
Average Daily Revenue (IQD)
Owner's own estimate
Trading Days per Week
5 days
6 days
7 days
Peak Season Revenue (monthly, IQD)
Slow Season Revenue (monthly, IQD)
Peak season months?
2 months
3 months
4 months
6 months (even)
Cash vs Credit Sales
100% cash / نقدي بالكامل
~80% cash
~60% cash
50/50
Mostly credit
📊 Estimated Annual Revenue
Monthly avg
—
Annual estimate
—
Verification Cross-check
Regular customers (approx)
Avg spend per customer visit (IQD)
Owner's own words (verbal record)
◀
Back
▶
Next: Costs
💸
Costs & Expenses
🎙
Ask the owner:
"What do you pay every month without fail? What does it cost you to buy the goods you sell? After paying everyone and everything, what is left?"
"ما الذي تدفعه كل شهر بشكل ثابت؟ وكم تكلفك البضاعة؟ وبعد دفع كل شيء، ماذا يتبقى؟"
Fixed Monthly Costs
Rent (IQD/month)
Staff wages (IQD/month)
Utilities (IQD/month)
Generator fuel (IQD/month)
Internet / phone (IQD/month)
Other fixed (IQD/month)
Cost of Goods / Variable Costs
Monthly purchases / raw materials (IQD)
Estimated gross margin %
~15% (groceries)
~25% (general retail)
~40% (clothing)
~55% (services)
~70% (handmade)
Transport / delivery (IQD/month)
Packaging / consumables (IQD/month)
📊 Estimated Monthly Cost Structure
Fixed costs
—
Variable costs
—
Total monthly
—
Est. net profit/month
—
Owner's Verbal Record
What the owner said about their costs
◀
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▶
Next: Assets & Debts
⚖️
Assets & Liabilities
🎙
Ask the owner:
"What does the business own — equipment, vehicle, stock, property? And who does the business owe money to right now?"
"ماذا يمتلك النشاط من أصول — معدات، سيارة، مخزون، عقار؟ ومن يدين له النشاط بالمال الآن؟"
Business Assets
Equipment / Machinery (IQD)
Vehicle(s) owned (IQD)
Current inventory / stock (IQD)
Amounts owed to business (IQD)
Property / land (IQD)
Cash on hand / savings (IQD)
Business Debts
Supplier credit owed (IQD)
Existing loans outstanding (IQD)
Monthly repayment on existing debt (IQD)
Informal / family loans (IQD)
Collateral Available
Property / real estate
Vehicle
Equipment
Personal guarantor
Stock / inventory
None
◀
Back
▶
Next: Cash Flow
💧
Cash Flow Patterns
🎙
Ask the owner:
"When do customers pay you? When do you have to pay your suppliers? Have there been months where you ran short of cash even though business was good?"
"متى يدفع لك العملاء — فوراً أم بعد أيام؟ ومتى عليك دفع الموردين؟ هل كانت هناك أشهر نقص فيها النقد؟"
Avg days customers take to pay
Same day (cash) / نفس اليوم
~1 week / أسبوع
2 weeks / أسبوعان
~1 month / شهر
2 months+ / شهران أو أكثر
Avg days to pay suppliers
Cash on delivery / دفع فوري
~1 week / أسبوع
2 weeks / أسبوعان
~1 month / شهر
2 months+ / شهران أو أكثر
Minimum cash kept on hand (IQD)
Largest single payment in month (IQD)
Does business have cash flow gaps?
No, always sufficient / لا، دائماً كافٍ
Only seasonal / موسمية فقط
Sometimes tight / أحياناً ضيق
Often needs bridging / كثيراً ما يحتاج تمويلاً
How are gaps bridged?
— Select —
Owner personal funds / أموال صاحب النشاط الشخصية
Family / friends loan / قرض من الأسرة
Supplier extended credit / تمديد أجل الموردين
Informal lender / مقرض غير رسمي
Bank overdraft / سحب على المكشوف
Not applicable / لا ينطبق
Seasonal notes
◀
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✓
Generate Report
🖨
Print / Export PDF
📋
Complete the interview then click Generate Report.
◀
Back to Cash Flow
📥
Invoice Entry
0
📊
Financial Statements
💧
Cash Flow
📋
Period Summary
📌 Enter each invoice manually or describe it verbally. The system classifies it automatically and builds quarterly and annual financial statements.
📌 أدخل كل فاتورة يدوياً أو صِفها شفهياً. سيقوم النظام بتصنيفها تلقائياً وبناء القوائم المالية ربع السنوية والسنوية.
🎙
Describe Invoice in Your Own Words
AI Powered
✨
Parse
✏️
Add Invoice Manually
Description
Date
Type
💰 Income / إيراد
💸 Operating Expense / مصروف تشغيلي
📦 Goods Purchase (COGS) / شراء بضاعة
🏗 Asset Purchase / شراء أصل
Amount (IQD)
Category
Sales / مبيعات
Service Revenue / إيرادات خدمات
Other Income / إيرادات أخرى
Rent / إيجار
Wages / رواتب
Utilities / كهرباء وماء
Transport / نقل
Marketing / تسويق
Repairs / صيانة
Other / أخرى
Raw Materials / مواد خام
Stock Purchase / شراء بضاعة
Packaging / تغليف
Equipment / معدات
Vehicle / مركبة
Furniture / أثاث
Invoice / Ref No.
Counterparty
Payment Status
✅ Paid / مدفوع
⏳ Pending / معلق
◑ Partial / جزئي
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