Monetta is the complete application for a factoring business. Suppliers submit invoices, buyers accept them, your committee approves on deadline, contracts are signed electronically, money goes out and comes back — and the books behind all of it are always right. In production in Azerbaijan.
Invoices arrive by email, acceptance is a scanned stamp, approvals happen in meetings and contracts travel by courier.
Advances, fees, interest and funding costs live in spreadsheets that diverge, break and cannot prove a figure six months later.
Where is this deal, who is holding it up, and what does the portfolio really earn after the cost of money?
Showing who approved what, when and on what terms means digging through mailboxes and file shares.
Suppliers submit invoices and ask for financing, buyers accept, your back office sets the terms, the committee approves and the money is disbursed and repaid — one system, one place to look.
Each approval step has a deadline in working hours. Approvers get a personal queue and a reminder; a case nobody decides in time comes back automatically instead of sitting in a drawer.
Buyer acceptance, the supplier signing the offer and the contract, and your own counter-signature are all electronic — both signatures end up on one document, ready to show an auditor.
Daily accruals, cost of funding, repayments and late-payment charges are computed on a true double-entry core — including the trial balance, general ledger and counterparty statements no spreadsheet can produce.
Profit and loss by month and by product, exposure per buyer and supplier, where your funding sits and how much is free — plus a planner that answers how much more you can factor.
Azerbaijani and English throughout, Forma #2 acceptance, electronic signature and the local working-day calendar — with your own branding and legal templates.
One queue instead of an inbox: every case, its stage, and whose turn it is — with the paperwork generated for you.
A personal list of what needs a decision, the terms in front of you, and a record of how quickly the committee actually moves.
The portfolio books close themselves — accruals, funding cost and income by month, with no workbook to maintain.
Any case or any figure, at any past date, answered from the system alone.
Portals, deadlines and electronic signing take a financing from invoice to money in the supplier’s account in a few days.
What was true when a deal was signed is kept, not recomputed, so historical figures stay provable and rate changes only affect the future.
In production in Azerbaijan, with the local acceptance document, signing rail, language and holiday calendar built in rather than bolted on.
Engineered by Allmaz, an AI product studio based in Azerbaijan.
Monetta runs on your own infrastructure, so the portfolio never leaves the building. Every change is recorded with who made it and what it was before, the accounting sits on a double-entry core that cannot go out of balance, and the structured data underneath is what later makes AI-assisted reconciliation and risk signals possible.
Allmaz is the AI product studio of Smart Solutions, which built and operates Azerbaijan's unified public procurement portal — established by presidential decree and delivered as one of the country's first public-private partnerships in digital government.
Request a demo to see a financing run end to end — and the books it produces.