Investor Relations
Empowering Small Businesses with Azma Finance
At Azma Finance, we’re on a mission to revolutionize financial management for small businesses in Uzbekistan. Our suite of digital financial tools addresses the core challenges faced by entrepreneurs, providing them with the support they need to grow their businesses confidently and efficiently.
Azma Finance serves as a comprehensive, automated accounting platform that caters specifically to small and medium-sized enterprises. Our solution is easy-to-use, cost-effective, and operates through a user-friendly Telegram bot, allowing entrepreneurs to manage their finances with minimal effort. By automating complex tasks like tax reporting and compliance, Azma Finance enables business owners to focus on what truly matters—their business growth.
Key Features:
Our Market Opportunity
Uzbekistan's market for automated financial solutions is expanding rapidly, driven by the growth of small businesses seeking streamlined solutions. With an annual market growth rate of 16.17%, Azma Finance is positioned to capture significant market share as one of the first movers in this space. Our target includes 315,833 companies and entrepreneurs within Uzbekistan, with plans for further regional expansion.
Recent Milestones
Vision for the Future
Azma Finance is committed to building a unified financial ecosystem for small businesses. Our roadmap includes:
Join Us in Shaping the Future of Finance
We invite investors to join us in empowering small businesses. By providing essential financial tools, we’re paving the way for a new generation of entrepreneurs to thrive. Together, let’s build a future where financial management is accessible, automated, and optimized for growth.
Explore the opportunities with Azma Finance and be part of a dynamic journey towards transforming financial services for small businesses.
Azma Finance serves as a comprehensive, automated accounting platform that caters specifically to small and medium-sized enterprises. Our solution is easy-to-use, cost-effective, and operates through a user-friendly Telegram bot, allowing entrepreneurs to manage their finances with minimal effort. By automating complex tasks like tax reporting and compliance, Azma Finance enables business owners to focus on what truly matters—their business growth.
Key Features:
- Full Automation: From bookkeeping to tax compliance, we streamline accounting processes to save time and reduce error.
- Integration with Banks: Secure connections with major banks ensure seamless financial transactions and easy reconciliation.
- Document Management: Simplify paperwork with electronic document handling, invoicing, and contracts.
- Affordable Pricing: Tailored pricing plans make professional-grade accounting accessible to small business budgets.
- Error Insurance: Protection and support in case of audits or tax errors, offering peace of mind to business owners.
Our Market Opportunity
Uzbekistan's market for automated financial solutions is expanding rapidly, driven by the growth of small businesses seeking streamlined solutions. With an annual market growth rate of 16.17%, Azma Finance is positioned to capture significant market share as one of the first movers in this space. Our target includes 315,833 companies and entrepreneurs within Uzbekistan, with plans for further regional expansion.
Recent Milestones
- 32.5% Average Monthly Revenue Growth: Our consistent growth trajectory demonstrates strong demand for our services among small businesses.
- Innovative Product Development: With the introduction of our BNPL (Buy Now, Pay Later) solution, Azma Split, we empower entrepreneurs to access essential resources without straining their cash flow.
- Strong Partnerships: Recently, we secured a $50,000 investment from Aloqa Ventures as the winner of the Fintech Startup Competition, further validating our vision and fueling our expansion.
Vision for the Future
Azma Finance is committed to building a unified financial ecosystem for small businesses. Our roadmap includes:
- 2024: Achieve 500 active users, launch BNPL and online payment capabilities, and introduce AI-driven analytics for better decision-making.
- 2025-2027: Expand within the MENA region, integrate all products into a seamless solution, and continue refining our platform to meet the evolving needs of entrepreneurs.
- 2028 and Beyond: Launch a global online bank powered by Azma’s white-label technology, aiming to serve 200,000 users across multiple countries.
Join Us in Shaping the Future of Finance
We invite investors to join us in empowering small businesses. By providing essential financial tools, we’re paving the way for a new generation of entrepreneurs to thrive. Together, let’s build a future where financial management is accessible, automated, and optimized for growth.
Explore the opportunities with Azma Finance and be part of a dynamic journey towards transforming financial services for small businesses.
| We're here to simplify accounting for small businesses and empower their growth. Our solution provides is an automated accounting and bookkeeping platform tailored for small businesses. It simplifies and streamlines the financial management processes, enabling small business owners to focus on their core activities while ensuring accurate and compliant financial records. The solution encompasses the following key elements:
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SAM
Serviceable & Obtainable Market (UZ)
315 833 companies & entrepreneurs
315 833 companies & entrepreneurs
SAM
Serviceable Available Market (UZ)
411 526 companies & entrepreneurs
411 526 companies & entrepreneurs
TAM
Total Addressable Market (UZ)
548 701 companies & entrepreneurs
548 701 companies & entrepreneurs
PAM
Potential Available Market (Globally)
$3.2B
$2.5B
$1.3B
$288B
Market opportunity
Data sources:
1. Agency of Statistics under the President of the Republic of Uzbekistan;
2. Dun & Bradstreet - American company specializing in collecting, cataloging and analyzing information on business entities and compiling credit ratings, maintains the world's largest registry of information on private companies.
1. Agency of Statistics under the President of the Republic of Uzbekistan;
2. Dun & Bradstreet - American company specializing in collecting, cataloging and analyzing information on business entities and compiling credit ratings, maintains the world's largest registry of information on private companies.
Market growth
Graph of the growth of the number of operating enterprises and organizations in Uzbekistan.
+16.17%
Average year-to-year market growth rate in Uzbekistan
+16.17%
Average year-to-year market growth rate in Uzbekistan
| Proud Participant of the 2023 Plug and Play Accelerator Program Azma Finance is honored to have been selected for the exclusive Plug and Play accelerator program, joining a network of high-potential startups committed to transforming industries. This achievement not only underscores our innovative approach but also accelerates our journey toward becoming a leading fintech platform. Our participation grants us access to invaluable resources, including specialized courses, experienced mentors, and an extensive network of industry experts and potential partners. With these tools, we are strategically positioned to enhance our solutions, expand our market reach, and deliver even greater value to small businesses. |
| Winner of the Fintech Startup Battle 2024 Azma Finance claimed first place in the Fintech Startup Battle, organized by the Uzbekistan Fintech Association and Axioma School. Competing against startups from Uzbekistan and Georgia, we stood out for our innovative platform that automates accounting and tax management for small businesses. Our victory earned us a $50,000 investment from Aloqa Ventures, which will help us expand our platform and introduce new features. This win highlights our commitment to simplifying financial management, allowing entrepreneurs to focus on growing their businesses. |
| Azma Finance Secures Third Place at the Central Asian Startup Forum The Central Asian Startup Forum brought together innovative startups from Uzbekistan, Tajikistan, Kyrgyzstan, Kazakhstan, and Turkmenistan, providing a platform for emerging businesses to showcase their ideas and compete in the Startup Battle. The event featured ten outstanding projects spanning various industries, including FinTech, EduTech, MedTech, AI, E-commerce, PetCareTech, and SaaS. We are proud to announce that Azma Finance secured third place in this prestigious competition, marking a significant milestone in our journey of empowering businesses with AI-driven financial solutions. |
| Azma Finance Secures 2nd Place at Unicorn Battle Tashkent 2025 We are thrilled to announce that Azma Finance has achieved 2nd place at the prestigious Unicorn Battle Tashkent 2025, held on January 29 at the U-Enter Innovation Center. Competing against some of the most innovative startups from Uzbekistan and Georgia, our cutting-edge fintech solution impressed a panel of esteemed judges and investors. |
| Our founder, Alisher Alimov, has been recognized as one of the top fintech leaders in Uzbekistan! We are truly honored by this achievement, as it highlights our commitment to innovation and excellence in the financial technology sector. At Azma Finance, we continue to drive forward, empowering businesses with smart financial solutions. This recognition fuels our mission to simplify financial management for entrepreneurs and push the fintech industry in Uzbekistan to new heights! |
| Azma Finance has been officially recognized by the British platform TechRound as one of the top startups in Uzbekistan! This recognition highlights our commitment to simplifying financial management for businesses and empowering entrepreneurs with smarter, more efficient financial tools. A huge thank you to our team and supporters—this is just the beginning! |
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