Executive Summary

Many small businesses and their advisors only discover severe cash-flow or operational problems after monthly or quarterly reviews, leaving little time to remediate and forcing emergency measures; this pain is experienced across an estimated 3.2M SMBs that lack continuous, actionable early-warning signals. Owners and accountants want simple, prioritized guidance rather than raw reports, but existing workflows are still largely reactive. You could build a SaaS platform that ingests bank, payroll and accounting APIs to produce near‑real‑time risk scores, automated alerts, and prescriptive recovery playbooks (cashflow scenarios, cost-cutting steps, lender/insurer introductions), delivered via advisor dashboards and embeddable widgets; target pricing around a $3,000 ACV per customer or advisor subscription. Emphasize integration, explainable risk signals, and one-click actions so advisors can move from diagnosing to executing interventions. The market is attractive now: a $9.6B addressable market (3.2M SMBs × $3,000 ACV), high market score (88/100) and revenue potential (86/100), and accelerating demand driven by open banking, API access to richer data, and a shift from compliance to prescriptive advisory. You can stand out by combining near‑real‑time data, robust benchmarking, and built‑in playbooks that tie directly into advisors’ billing and workflow to reduce friction and false positives; the main challenges are data privacy, integration complexity, and earning trust in a medium‑competition landscape, but partnering with accounting platforms and aggregator channels can materially lower customer acquisition friction.

Market Opportunity

Detecting early business failure and prescribing recovery steps targets a $9.6B = 3.2M target SMBs × $3,000 ACV total addressable market with medium saturation and a year-over-year growth rate of 12% YoY (industry estimates for AI-enabled SMB financial tools and advisory automation, sources: industry reports from IDC/MarketsandMarkets).

Key trends driving demand: Early-warning analytics adoption — SMBs and advisors are increasingly comfortable with automated alerts and dashboards, creating demand for preemptive risk signals.; API availability and open banking — broader access to bank, payroll and accounting data enables richer, near-real-time models that detect problems earlier than periodic financials.; Shift from reporting to prescriptive advisory — accountants are moving from compliance work to advisory services, increasing willingness to buy tools that produce actionable steps.; Advances in explainable AI — improvements in model interpretability make it feasible to present non-technical, trustworthy explanations to founders and advisors..

Key competitors include Futrli, Fathom, CreditRiskMonitor / CreditorWatch (representative credit-risk players).

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Detecting early business failure and prescribing recovery steps

Executive Summary

Market Validation

Market Opportunity

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