The AI financial platform for Turkey's SMBs.
Senfoni automates invoicing, collections, and cash flow forecasting for SMBs with unpredictable revenue — Turkish-first AI assistant, embedded Halkbank finance.
61% of B2B invoices paid late. Turkey's SMBs need a fix.
F&B, event agencies, manufacturing, services. Most still manage finances on spreadsheets. Zero AI-native vertical SaaS fit.
Halkbank is Turkey's 'merchant bank' — 781K artisan borrowers, ₺302bn artisan loan book, new CEO's 2026 agenda: AI-driven credit + SME growth.
Turkey fintech market: $1.92B in 2024, projected $7.22B by 2033 (15.86% CAGR). AI + open banking driving the wave. (IMARC Group)
One dashboard. Six modules. End-to-end.
Unified calendar across WhatsApp, email, form inbound.
90-day projection from event calendar × deposits × supplier terms.
WhatsApp-native customer quotes, supplier reconciliation.
Date × demand × weather × local events → suggested price.
Payment scheduling + e-Invoice OCR + early-pay discount.
Operational data → alternative SME credit score.
Forward-looking SME risk scoring as a co-origination channel.
Turkish banks score SMEs off 90-day-old balance sheets. Real SMB risk is driven by cash flow velocity, supplier discipline, and forward contract pipeline — signals only we see. Halkbank's new CEO (Mar 2026) has AI-credit transformation and SME growth on his 2026 agenda. Timing is rare.
4.2× LTV/CAC, 8.2-month payback, Rule of 40 at 112% in year 3.
| Metric | Y1 | Y2 | Y3 |
|---|---|---|---|
| Revenue | ₺2.1M | ₺10.4M | ₺28.4M |
| EBITDA | (₺2.1M) | (₺0.8M) | +₺5.2M |
| Paying customers | 85 | 440 | 1,250 |
Mert Aygün
Four-time founder in Turkey's experience economy: Beyond (Lead PM, 2.5 yrs), theCsociety (2 yrs), Rafine Dolma, and now Signature Experience Agency. First customer is his own agency. Hiring a technical co-founder via the HUBrica cohort network.
$1.5M Seed · $10M pre-money · closing Q4 2026.
41% product/eng · 27% GTM · 9% banking integrations · 9% buffer. Led by Turkish early-stage with international co-investment welcome.
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