Run your business
Business finance and operating tools, with the right compliance foundation for your needs.
Maliyati Standard Maliyati ComplianceFounding-year offers · Explore first-year savings ↗Run the business.
MALIYATI TECHNOLOGIES · SAUDI-FIRST BUSINESS OS
Run the business.
Not just the books.
Maliyati connects financial truth, Saudi compliance, money movement, operations and accountable execution—so owners can see clearly and act with control.
Maliyati. Born to Lead.
ZATCASandbox flow passed
Arabic-firstCompliance by design
8 languagesOne controlled system
One view of the businessPerformance · cash · collections · compliance
THE HOUSE OF MALIYATI
Choose the tools for your next step.
Software for the business. Insight for your decisions. Planning for your freedom. Books to help you put ideas into practice.
Understand your business
Explore the evidence behind performance and the decisions that help move the business forward.
Explore Business DoctorPlan your freedom
Understand your Freedom Number and the steps towards your chosen lifestyle.
Explore FreedomLearn. Apply. Lead.
Practical books and companion tools connecting AI, software and business.
Explore the booksCFO & ADVISORY
Need an experienced financial partner?
Accurate records. Clear cash plans. Experienced guidance for your next business decision.
Founder-led support from Shaikh Zulfiqar Ali Hashmi, FCCA — connecting financial expertise with practical business tools.
Explore CFO & AdvisoryWork in your language.Preserve the evidence.Move money with control.Turn insight into action.
FOUR CENTERS · ONE FINANCIAL TRUTH
See the business from the decision you need to make.
OWNER CENTER
Know what needs attention now.
Sales, cash, receivables and compliance in an owner-facing command view.
FINANCE CENTER
Understand performance and position.
Profitability, assets, liabilities, equity and treasury reconciliation.
COMPLIANCE CENTER
Stay filing-aware and evidence-ready.
VAT position, transaction evidence, WHT readiness and controlled review.
OPERATIONS CENTER
Follow daily business movement.
Billing, collections, customers, purchasing and operating activity without clutter.
FROM RECORD TO RESPONSIBILITY
The numbers do not stop at a report.
An exception becomes a conversation, a task, a responsible person and a traceable outcome—without losing the financial record that started it.
An overdue invoice, stock variance, compliance issue or unusual payment appears.
The right team sees the context and supporting evidence.
Create the task, meeting, owner and due date.
Close the action while preserving the decision trail.
FROM BILLING TO BANK
Connect the records to the money they explain.
Automated customer billing and collection, controlled supplier payments, bank feeds, matching and reconciliation create one continuous money-movement layer.
Customer billing→Collection→Bank feed→Match & reconcile
Supplier bill→Approval→One-click payment→Evidence
Supplier bill→Approval→One-click payment→Evidence
OPERATIONS WITH FINANCIAL CONSEQUENCE
Inventory is not a quantity. It is cost, control and margin.
Recipes, assemblies, automated consumption, stock movements and variance review connect physical activity to financial truth.
LANGUAGE IS PART OF THE CONTROL
Work in your language.
Comply in Arabic.
Arabic and English lead a controlled eight-language foundation built for the diverse teams that actually run Saudi businesses.
العربيةEnglishاردوবাংলাहिन्दीമലയാളംTagalogनेपाली
BUSINESS DOCTOR
Your business has symptoms. Maliyati connects the evidence.
Explore financial performance, review the evidence behind the numbers and identify your next action. Business Doctor v1 brings reports, profitability review and owner-confirmed analysis into a separate workspace.
Observe→Diagnose→Explain→Act→Learn
Explore Business Doctor Open Business Doctor ↗ADVISOR ECOSYSTEM
One advisor. The right client companies. No crossed boundaries.
CPAs, accountants and financial advisors can work across companies explicitly assigned to them. Each client retains its own books, evidence, compliance queues and execution history.
Assigned-client accessClient-context switchingCompliance and filing evidenceLinked tasks and document requests
Explore the advisor experience
Serve clients without crossing tenant boundariesAuthorized access · evidence · execution
THE RIGHT CONTROL FOR THE RIGHT BUSINESS
Standard where compliance is not required. Saudi-controlled where it is.
Maliyati Standard
Disciplined finance, customers, suppliers, billing, collections, payments, treasury, inventory, reporting and execution—without Saudi statutory overhead.
Explore Standard ↗Maliyati Compliance
The complete finance operating foundation with Arabic statutory authority, VAT, ZATCA-oriented workflows, evidence and compliance control.
Explore Compliance ↗MALIYATI CORE
The right foundation for your business.
Choose one Core plan. Add Business Doctor or Freedom independently when you need them.
BUSINESS FINANCE
Standard
Everyday finance for businesses without Saudi statutory requirements.
First-year offer
SAR 49/ month equivalent · annual payment
SAR 588 for year one
Regular: SAR 249/month
SAR 2,988 annual equivalent
Your financial foundation
- Customer records
- Supplier records
- Sales invoices
- Customer billing
- Collections and receipts
- Supplier payments
- Financial transaction records
- Financial reports
BUILT FOR SAUDI WORKFLOWS
Compliance
Your financial foundation with Saudi compliance workflows.
First-year offer
SAR 69/ month equivalent · annual payment
SAR 828 for year one
Regular: SAR 349/month
SAR 4,188 annual equivalent
Everything in Standard, plus:
- Saudi Compliance Center
- VAT position and supporting detail
- Controlled VAT preparation and review
- Arabic statutory outputs
- Structured e-invoice XML
- Applicable invoice QR support
- UUID and invoice hash-chain handling
- ZATCA sandbox transmission and responses
- Linked compliance evidence
BUSINESS FINANCE
Business
Compliance and finance with clearer responsibility and business control.
First-year offer
SAR 99/ month equivalent · annual payment
SAR 1,188 for year one
Regular: SAR 499/month
SAR 5,988 annual equivalent
Everything in Compliance, plus:
- Owner Control Center
- Finance Center
- Operations Center
- Approval workflows
- Execution workflows
- Conversations linked to records
- Task assignment and responsibility
- Action ownership and due dates
BUSINESS FINANCE
Business + Inventory
The Business plan with stock, consumption and cost control.
First-year offer
SAR 129/ month equivalent · annual payment
SAR 1,548 for year one
Regular: SAR 649/month
SAR 7,788 annual equivalent
Everything in Business, plus:
- Inventory records
- Stock movements
- Recipes and consumption standards
- Consumption workflows
- Expected and actual cost visibility
- Cost variance review
- Quantity and value movement evidence
First-year offers are paid annually and exclude applicable taxes. Monthly figures show the equivalent annual cost, not monthly instalments. Renewal prices are shown before purchase. Paid checkout is not yet active. Prices are per company. Additional seats, locations and service limits must be confirmed before paid subscriptions open.
Compare the operating depth.
| Capability | Standard | Compliance | Business | Business + Inventory |
|---|---|---|---|---|
| Customer and supplier records | Included | Included | Included | Included |
| Invoicing and customer billing | Included | Included | Included | Included |
| Collections and receipts | Included | Included | Included | Included |
| Supplier payments | Included | Included | Included | Included |
| Financial records and reports | Included | Included | Included | Included |
| Saudi Compliance Center | — | Included | Included | Included |
| VAT position and supporting detail | — | Included | Included | Included |
| Controlled VAT preparation and review | — | Included | Included | Included |
| Arabic statutory outputs | — | Included | Included | Included |
| Structured e-invoice XML and QR support | — | Included | Included | Included |
| UUID and invoice hash-chain handling | — | Included | Included | Included |
| ZATCA sandbox transmission and responses | — | Included | Included | Included |
| Linked compliance evidence | — | Included | Included | Included |
| Owner, Finance and Operations Centers | — | — | Included | Included |
| Approval and execution workflows | — | — | Included | Included |
| Conversations linked to records | — | — | Included | Included |
| Task assignment, owners and due dates | — | — | Included | Included |
| Inventory records and stock movements | — | — | — | Included |
| Recipes and consumption standards | — | — | — | Included |
| Consumption workflows | — | — | — | Included |
| Cost variance and movement evidence | — | — | — | Included |
| Separate Business Doctor workspace | Separate product | Separate product | Separate product | Separate product |
Saudi compliance workflows support preparation, review and evidence. Sandbox milestones do not establish live statutory filing approval. See current Compliance scope.
AUTOMATED ONBOARDING · CONTINUOUS LEARNING
From first visit to the right workspace.
Product, country and operating mode.
Company, language, roles and rules.
Opening data, banking and operating sources.
Enter a guided workspace with Academy support.
MISSION TODAY · VISION AHEAD
From business operating system to complete business ecosystem.
Maliyati begins with a trusted operating, financial and compliance foundation. The wider vision is infrastructure that helps businesses understand, buy, sell, pay, collect, compare, decide and improve—with every service strengthening the same source of business truth.
OUR MISSION
Give every SME the clarity and control to lead.
Unite finance, compliance, operations and accountable execution in one trusted, multilingual operating system—so owners understand what is happening, know what needs action and move their businesses forward with confidence.
Connect finance, compliance, operations, inventory, execution and evidence in one controlled workspace.
Bring billing, collections, supplier payments, settlement and embedded money movement into the operating cycle.
Turn pricing, demand, customer, competitor and market signals into practical commercial decisions.
Help businesses know where, when and how much to buy—including supplier value, packaging, reorder and standby decisions.
Support e-commerce, channels, platforms and specific operating needs as businesses grow.
Business Doctor connects the evidence, diagnoses the constraint, recommends action, measures the result and learns.
Progress from merchant services toward a Maliyati business wallet and, ultimately, regulated digital-banking capabilities built around the real operating needs of businesses.
The Business Operating System is the first layer being delivered. The remaining layers are the strategic direction and will activate in controlled stages. Wallet, payment and banking services would be introduced only through the required regulatory permissions, licensed structures and approved partners—not as a claim that Maliyati is currently a bank.
MALIYATI TECHNOLOGIES
Maliyati.
Born to Lead.
Build trust first. Then move money—through one controlled business operating system.