The early-warning system for Indian businesses

Your books tell you what happened. Cortex tells you what's about to. 

Send it one export from Tally, Vyapar or your spreadsheet. It watches your numbers every day and tells you who hasn’t paid, what’s due and what’s about to run out.

No card. Keep your accounting software.

Ask CortexSample conversation
Ask anything about your business…
cortex.mnbresearch.com/dashboard
Illustrative
Good morning
Here’s your business today
Revenue (MTD)
₹42.8L
+18%
Cash runway
7.4 mo
+0.6
Cortex Score
82
+5
Revenue trendlast 12 weeks
Cortex

Cash is healthy, but receivables aged 45+ days rose 22%. I’ve drafted 3 polite reminders and a ₹6L working-capital plan — approve to send.

It watches for deductions at risk under 43B(h).
★ Shark Tank India featured◆ DPIIT-recognised startup◇ Built for Indian SMEs · GST, TDS and 43B(h) native

(01)How it works

Three steps.
Then you stop doing anything.

No setup project. No consultant. No columns to map, no rules to write, no dashboard to build. If you can email a file, you can run this.

01
Send it the file you already have

Export from Tally, Vyapar, Busy or your spreadsheet and drop the CSV in. Cortex reads your column names itself — there is no mapping screen, nothing to configure, nothing to type in again.

Two minutes. Or load a sample and skip even that.
02
Read the one thing that matters

Before you go anywhere else, the same screen names the worst thing in what you just sent — which customer, how much, how late — and links straight to it.

You read one sentence.
03
Say yes

Cortex writes the chasing email in your business's name and shows it to you. You approve it, it sends, and it stops the moment that invoice is marked paid.

One click — and it ships switched off.
After that, the honest answer to “what do I do every day?” is nothing.

Cortex re-reads your numbers overnight. One planned email a week — the three things worth your attention — and beyond that it only writes to you when something has actually gone wrong. You don’t log in to keep it running. You log in because it told you to.

Tally exports/Vyapar exports/Busy exports/Shopify/Razorpay/Stripe/Google Sheets/WhatsApp Business/CSV/Tally exports/Vyapar exports/Busy exports/Shopify/Razorpay/Stripe/Google Sheets/WhatsApp Business/CSV/
(02)The problem

Running an SME shouldn’t mean flying blind.

You’re the CEO, CFO, head of sales and firefighter — all at once. Cortex takes the analysis and the busywork off your plate.

Today

You find out a customer hasn't paid when you need the cash.

With Cortex

Cortex emails you the day an invoice crosses its due date — with the name and the number.

Today

You pay a small supplier late and lose the deduction at year end.

With Cortex

It watches the MSME 45-day clock (43B(h)) and tells you which bills to clear first.

Today

A GST or TDS date passes and you find out from a notice.

With Cortex

Every statutory deadline that applies to you, warned before — not after.

Today

Your numbers live in Tally, spreadsheets and WhatsApp.

With Cortex

Upload the export. Cortex reads Tally, Vyapar and Busy files as they come.

Today

You're too busy running the business to sit and analyse it.

With Cortex

One email on Monday: the three things worth your attention this week.

Today

Every tool shows you a different version of the truth.

With Cortex

One workspace reads all of it together — orders, invoices, stock, ledger — and answers from your own rows.

Now see it for your industry.

Cortex speaks your business — not generic dashboards. Pick yours and see the exact problems it watches and the tools it uses to fix them.

Manufacturing

Make more, waste less, get paid faster.

What keeps you up at night
  • Stock-outs on some SKUs, dead inventory on others
  • Margins per product are thin and unclear
  • Big buyers stretch your receivables for months
How Cortex handles it
  • Reorder Optimizer (EOQ + safety stock)
  • Per-SKU unit economics & pricing
  • Receivables & DSO chase-first list
  • 13-week cash flow for long cycles

The outcome: Know exactly what to make, what to charge, and who to chase — before it costs you.

Get started for Manufacturing

(03)Free · 60 seconds

How healthy is your business, really?

Six questions. No signup, no card. We’ll call once to walk you through it — tell us not to and we won’t. You get a Business Health Score out of 100, the specific areas putting you at risk, and exactly what to do about each one.

  • Your score and risk band, instantly
  • The weak areas named, not hinted at
  • A fix plan mapped to the tools that solve it
  • The full report emailed to you

Used by owners across manufacturing, retail, distribution and services.

Question 1 of 60%

Do you know your exact cash runway right now?


(04)What it is

Your accounting software records what happened. A dashboard waits for you to open it. Cortex reads your own numbers every day, names the thing that is about to cost you money — the customer, the amount, the date — and then does something about it.

It is the layer between your books and your business. You keep Tally, Vyapar or your spreadsheets; Cortex is the part they were never built to do.


(05)Playbooks

You don’t configure it.
The playbooks are already running.

Import your file and 10 playbooks start watching the same day — each one a specific thing that costs Indian businesses money, with the action attached. No rules to write, no dashboard to build.

Nobody has paid you
Watches

Every invoice that passes its due date, and how long the money has been out.

Does

Names the customer and the amount the day it goes overdue, and ranks who to chase first by size and age.

ManufacturingServicesWholesale
The 45-day MSME clock
Watches

Bills from MSME-registered suppliers approaching the 45-day limit in Section 43B(h).

Does

Shows the exposure that becomes non-deductible if you miss it, aged from the invoice date, and which bills to clear first.

ManufacturingWholesaleConstruction
The date you were going to miss
Watches

GST, TDS, advance tax, ROC and the audit dates that apply to YOUR registration — not a generic calendar.

Does

Warns ahead of each one, with a notice period set per deadline rather than a flat reminder.

Every business
When the cash runs out
Watches

Money in and out across thirteen weeks, from your ledger rather than a guess.

Does

Projects the runway, marks the week it turns, and lets you model a what-if before you commit to it.

Every business
Chasing, without you doing it
Watches

Overdue invoices that have gone past the point where a polite reminder is due.

Does

Drafts the reminder in your business's name, waits for your approval, sends it, and stops the moment the invoice is marked paid.

Every business
About to run out of stock
Watches

On-hand quantity against the reorder level and how fast each SKU is moving.

Does

Flags what to reorder before the shelf is empty, and what is sitting still and tying up cash.

ManufacturingRetailD2CWholesalePharmacy
A customer going quiet
Watches

Ordering patterns that break — the buyer who used to come monthly and has not for two cycles.

Does

Ranks who is drifting away by what they are worth, so the call goes to the account that matters.

D2CRetailServicesSaaSWholesale
The Monday plan
Watches

Everything above, once a week, together.

Does

One email: the three things worth your attention, why each one, and what to do about it.

Every business
The price you are leaving on the table
Watches

Margin by product and customer, and where discounting has quietly become the default.

Does

Shows what a price move does to contribution before you make it.

ManufacturingD2CRetailServices
Who is actually worth keeping
Watches

Recency, frequency and value across your customer base.

Does

Segments them so the effort goes where the money is, instead of where the noise is.

D2CRetailServicesWholesale
Rules decide

The 45-day MSME window, the statutory calendar, ageing, reorder points — arithmetic over your own rows, in tested code. Not a prompt, because a wrong tax date is worse than no product.

The model reads and writes

It looks up your actual invoices and orders, explains what it found in plain English or Hinglish, and drafts the message you were going to have to write.

The product acts

Draft, you approve, it sends — in your business's name — and stops the moment the invoice is marked paid. A recommendation nobody executes is a PDF.


(06)The bit you’re worried about

You’ve been sold software before.
This one asks almost nothing of you.

The last thing you bought needed a consultant, six weeks and someone to keep feeding it. Here is what this actually asks — including the parts we’d rather not mention.

Do I have to move off Tally?

No, and you shouldn't. Keep invoicing and filing exactly where you do it now. Cortex reads the export — it never asks to become your books, and nothing you do here changes them.

Do I have to learn something?

There is nothing to learn. Ask it a question in English or Hinglish the way you'd ask your accountant, and it looks up your actual rows to answer. If you can read the answer, you can use the product.

Will it email my customers behind my back?

It can't, until you switch chasing on — it ships off. Once on, it writes each message and waits for you to approve it. There is a setting to let it send unattended, and it is yours to turn on, not ours.

My data is a mess. Will it cope?

It matches your column headings however you've spelled them, recognises Tally, Vyapar and Busy exports on sight, and tells you plainly which columns it couldn't find rather than quietly importing blanks.

Do I have to pay to find out if it works?

No. The 60-second health check needs no account at all. And after you sign up you can import your own file and see your own dashboard and overdue list before you buy anything — it's your numbers that should convince you, not ours.

What if I want out?

Export everything and delete the workspace whenever you like. Your accounting system is untouched, because it was never involved. There is nothing to migrate back.

Built by
MNB Research

India's business growth & consultancy specialists

Featured on
Shark Tank India

and 160+ press outlets, 60M+ reach

Recognised
DPIIT startup

Government of India recognised

From the makers of
AbroBot

India's AI study-abroad platform

0-day
MSME clock, watched
0
statutory deadlines tracked
0
planned email a week — the rest only when something breaks
0 min
from your first import to your first warning

(07)Questions

Good to know.

Minutes, not weeks. Create the workspace, drop in a CSV export from Tally, Vyapar, Busy or your spreadsheet, and the first finding appears on that same screen. There is no column mapping, no configuration and nobody to book a call with. If you'd rather not use your own file yet, load a sample dataset in one click.

Nothing. Cortex re-reads your numbers overnight on its own. You get one planned email a week — the three things worth your attention — and beyond that it only writes to you when something has actually gone wrong. You don't have to log in to keep it working.

No. Keep both. Cortex never becomes your books and never writes to them — it reads an export and sits on top. Your accountant carries on exactly as before, and most of them prefer a client who spots the 45-day MSME problem before year end.

Not unless you let it. Chasing ships switched off. When you turn it on, Cortex writes each message in your business's name and holds it for your approval — and stops the moment the invoice is marked paid. There is a setting to let it send unattended, off by default, and it's yours to decide.

No. You ask questions in plain language — English or Hinglish — the way you'd ask your accountant, and Cortex looks up your actual invoices and orders to answer. Nothing to install, nothing to code.

Those record what already happened and wait for you to open them. Cortex reads across all of it every day, names the specific thing about to cost you money, and drafts the action. It doesn't replace them — it does the part they were never built to do.

Yes. Every workspace is isolated with Postgres row-level security, traffic is encrypted with TLS, sensitive keys use AES-256-GCM, and you can export or delete your data anytime.

Cortex runs on credits. Buy a ₹149 pack and use it with no subscription, or pick a plan from ₹799/mo for a monthly allowance — billed securely via Cashfree. Your free Business Health Check needs no card at all. Prices are in INR; international customers are onboarded by our team.


Start with one file.

Create your workspace in under a minute — no card. Import an export you already have and see your own overdue list and dashboard before you pay for anything.