The financial health platform

Know your numbers.
Sleep at night.

Most owners find out about a cash crisis when it's already here. MILŌN shows you your business's health as one simple score — where the problem lives, what it's costing you, and exactly what to do next. It is also the bridge to your accountant: the same screen, both sides, updated every month instead of once a year.

Get my free health score
0Score that tells the truth
0 wksYou see cash trouble coming
0+Proven fixes, ranked for you
R0+Advisory uplift per client /mo
MILŌNLive · synced 2 min ago
0Health score
Financing82
Assets74
Profit81
Cash61
13-week cash forecastR thousands
Cash dip — Week 6. Action plan ready: 3 moves close the gap.
Accountant note

Debtor days crept up to 52. Chase your top 3 invoices this week — that's R184k unlocked.

+9 ptsHealth score · this quarter
End-to-end encrypted
Live sync, every 2 min
SAICA-referenced ratios
Built for SA SMEs
Powered by Claude AI
Start here

Who are you in this story?

MILŌN serves two constellations, and connects them. Choose yours and we'll show you exactly what you're about to gain.

Business Owner

You built something real. Now you want to know if the numbers are lying to you — and what to do about it, without waiting for your accountant's next call.

Take the 90-second diagnostic

Accountant / Advisory Firm

Your compliance work is flawless. Now clients want to actually understand their numbers between year-ends — and they'll pay monthly for it.

See the advisory revenue model
The MILŌN Method

Four pillars. One score. No excuses.

Every business runs on four forces. MILŌN scores each one every time you upload financials, and tells you exactly which is dragging your orbit.

The Sun

Profitability

Gross margin, net margin, EBITDA, and return on equity — the heat that keeps your orbit alive.

Demo81
The Orbit

Cash Flow

Operating cash, 13-week forecast, debtor days, creditor days, and cash conversion cycle — the motion that keeps you from falling in.

Demo61
The Mass

Asset Productivity

Working capital, inventory turns, fixed-asset efficiency — everything you own, and how hard it works.

Demo74
The Gravity

Financing & Solvency

Debt-to-equity, interest cover, gearing, leverage — the force holding it all together, or pulling it in.

Demo82

31 ratios calculated on every upload

Gross MarginNet MarginEBITDA MarginReturn on AssetsReturn on EquityCurrent RatioQuick RatioDebt-to-EquityInterest CoverOperating Cash Ratio13-Week Cash ForecastDebtor DaysCreditor DaysInventory TurnoverCash Conversion CycleWorking Capital RatioAsset TurnoverFixed Asset EfficiencyGearing RatioLeverage RatioBreak-even PointRevenue per EmployeeLabour ProductivityCost StructureRevenue GrowthProfit per Rand EarnedCash Burn RateRunway WeeksNet Working CapitalCapital EfficiencyEquity Multiplier
The real problem

Most businesses
don't fail. They drift.

South African SMEs operate with accountants they see once a quarter, software that reports the past, and no model for what comes next. The result: smart owners, flying blind. MILŌN is the instrument panel that was missing.

01

You upload your financials

Your accountant uploads your income statement, balance sheet, and cash flow — or you do. One PDF, extracted by AI in seconds.

Under 60 seconds
02

MILŌN scores your business

31 ratios, 4 pillar scores, one overall health score — mapped against 120 SA industry benchmarks.

Instantly
03

You get your next move

930+ ranked fixes, an AI-drafted advisory report, and a 13-week cashflow — all in plain language.

Every month
The bridge

Your accountant has the numbers.
You have the decisions.

That gap is where good businesses drift. MILŌN closes it — one shared workspace where the figures your accountant prepares reach you every month, in language you can act on, without either of you chasing the other.

For the owner

Your numbers, without the wait

No more finding out in March how last year went. You see where the business stands whenever you want to look.

  • Regular — a fresh score every month, not once a year
  • Plain — one number and the reason behind it, not a 40-page pack
  • Yours — open it on your phone without booking a meeting
  • Answered — your accountant's notes sit on the exact figure they refer to
For the accountant

Keep every client in the loop

The update your clients keep asking for, without the hours it used to cost you to produce it one at a time.

  • Scalable — the whole client book updated on one screen
  • Drafted — Claude writes the first version, you sign it off
  • Branded — it goes out as your firm's work, not ours
  • Proactive — reach the client before they reach you in a panic
Before
Numbers explained once a year, in a meeting nobody remembers. Now: every month, on your own time.
Before
Advice buried in an email thread. Now: attached to the number it is about.
Before
Owner and accountant guessing what the other can see. Now: the same screen, both sides.
The Platform

Two portals. One constellation.

Two sides of the same workspace: owners get clarity they can act on, accountants get the leverage to deliver it across every client. The relationship stops being annual and starts being a monthly advisory practice.

For Business Owners

Your financial cockpit

  • Live health score — one number, updated every time your data changes
  • 13-week cashflow forecast — see shortfalls weeks before they hit
  • Playbook of 930+ fixes — ranked by impact, filtered to your situation
  • Four pillar breakdown — profitability, cash, assets, solvency
  • Accountant notes in-context — advice lands on the exact number it refers to
  • PDF financial extraction — upload a statement, AI does the rest
For Accountants

Your advisory engine

  • Multi-client dashboard — live health across your entire portfolio
  • AI advisory drafter — Claude drafts the report; you refine and send
  • 10 white-label report formats — your brand, your margin
  • Risk radar — flag deteriorating clients before the crisis call
  • Industry news digest — always have sector context ready
  • Recurring retainer model — R1 200+ uplift per client per month
Pricing

Start free. Scale when it pays for itself.

Every plan includes the core health score and cashflow forecast. Upgrade when you're ready for the full constellation.

Accountant / Advisory Firm Pricing

White-label the whole platform. Charge your clients a monthly advisory retainer. MILŌN is your engine.

  • Up to 150 clients — planned R4 500/mo (not billed yet)
  • Unlimited clients — planned R7 200/mo (not billed yet)
  • White-label onboarding support included
  • Your branding on every report and portal
Set up your firm account →
Early access

Spark

Free
Pilot access · no card required
  • Business health score from your figures
  • Cash forecast + budget workspace
  • Next moves and action plan
  • Share workspace with your accountant

Orbit

R699/mo
Coming soon — not billed yet
  • Live 13-week cashflow forecast
  • Full ratio set + playbook
  • Accountant advisory notes
  • Monthly comparison report

Constellation

R1 299/mo
Coming soon — not billed yet
  • Everything planned for Orbit
  • AI advisory draft
  • Industry digest + priority support
Get started

Your first health score
is free for early access.

Upload your figures and MILŌN scores your business — usually within a minute after processing.