Stock & Finance Mobile App
Budget: ₹12,500 – ₹37,500 INR
I want a single mobile application, running smoothly on both iOS and Android, that unifies day-to-day stock control with automated financial reporting. The idea is simple: I update purchases, sales, and closing stock on the go, and the app instantly reshapes those numbers into banker-ready statements—Balance Sheet, DSCR, CMA data, plus estimated and projected Balance Sheets.
Core functions I must have
• Stock management: item master, GRN/inward, outward, valuation and alerts for low levels.
• Financial statement preparation: one-tap generation of the documents listed above, formatted exactly the way banks expect (PDF and Excel export).
• Reporting & analytics: visual dashboards, ratios, and period-to-period comparisons I can share or download.
A clean, intuitive UI is essential and the build should be genuinely cross-platform (Flutter or React Native suit me, but I’m open). All calculations have to be accurate and auditable, with the option to inspect or edit underlying ledgers before finalising any statement.
Deliverables
1. Production-ready iOS & Android apps, published to TestFlight / internal track for review.
2. Source code and brief developer-level documentation.
3. Sample data set plus user guide that shows how to go from raw stock entries to a finished banker-format Balance Sheet.
Once the above is in place I’ll test it with live data; if the generated statements match my existing spreadsheets, the job is complete.
Features That No Existing Shop Software Has
Many shop apps already do billing and inventory. If you copy them, it will be hard to compete.
Instead, let's build an AI CEO for Shop Owners.
Feature 1: Business Health Score (0–100)
Every morning the owner sees:
Business Score: 82/100
Reason:
Sales increasing
Expenses under control
Customer credit too high
Low stock on 3 items
Feature 2: Profit Leak Detector
AI says:
"You spent ₹18,000 more on electricity this month than last month."
"Product A sells a lot but earns very little profit."
Feature 3: Smart Reordering
Instead of just "Low Stock", AI predicts:
"Based on the last 90 days, you should order 15 cartons of biscuits on Friday."
Feature 4: Cash Flow Predictor
"If you continue spending like this, your bank balance may fall below ₹20,000 in 12 days."
Feature 5: Loan Readiness (Your USP)
Only your software has:
Loan Eligibility Score
Working Capital Requirement
Estimated EMI affordability
Financial Ratio Analysis
Projected Balance Sheet
Projected P&L
Projected Cash Flow
Document Checklist
This is a natural extension of your banking expertise.
Phase 2: AI Chat
The owner asks:
"Can I hire another employee?"
"Should I increase the price of sugar?"
"Why did my profit fall this month?"
"Which supplier gives me the best prices?"
The AI answers using the shop's own data.
Long-Term Vision
Imagine 1 million Indian shopkeepers using your app every morning to understand their business.
That kind of vision is what can build a significant company.
One more idea
Once we validate the software, we can add an AI Loan Marketplace:
The app detects that a business is eligible for a loan.
The owner can choose to apply through participating banks or financial institutions.
The app prepares much of the required documentation automatically.
That creates value for shop owners while staying within applicable regulations and partnerships.
Core functions I must have
• Stock management: item master, GRN/inward, outward, valuation and alerts for low levels.
• Financial statement preparation: one-tap generation of the documents listed above, formatted exactly the way banks expect (PDF and Excel export).
• Reporting & analytics: visual dashboards, ratios, and period-to-period comparisons I can share or download.
A clean, intuitive UI is essential and the build should be genuinely cross-platform (Flutter or React Native suit me, but I’m open). All calculations have to be accurate and auditable, with the option to inspect or edit underlying ledgers before finalising any statement.
Deliverables
1. Production-ready iOS & Android apps, published to TestFlight / internal track for review.
2. Source code and brief developer-level documentation.
3. Sample data set plus user guide that shows how to go from raw stock entries to a finished banker-format Balance Sheet.
Once the above is in place I’ll test it with live data; if the generated statements match my existing spreadsheets, the job is complete.
Features That No Existing Shop Software Has
Many shop apps already do billing and inventory. If you copy them, it will be hard to compete.
Instead, let's build an AI CEO for Shop Owners.
Feature 1: Business Health Score (0–100)
Every morning the owner sees:
Business Score: 82/100
Reason:
Sales increasing
Expenses under control
Customer credit too high
Low stock on 3 items
Feature 2: Profit Leak Detector
AI says:
"You spent ₹18,000 more on electricity this month than last month."
"Product A sells a lot but earns very little profit."
Feature 3: Smart Reordering
Instead of just "Low Stock", AI predicts:
"Based on the last 90 days, you should order 15 cartons of biscuits on Friday."
Feature 4: Cash Flow Predictor
"If you continue spending like this, your bank balance may fall below ₹20,000 in 12 days."
Feature 5: Loan Readiness (Your USP)
Only your software has:
Loan Eligibility Score
Working Capital Requirement
Estimated EMI affordability
Financial Ratio Analysis
Projected Balance Sheet
Projected P&L
Projected Cash Flow
Document Checklist
This is a natural extension of your banking expertise.
Phase 2: AI Chat
The owner asks:
"Can I hire another employee?"
"Should I increase the price of sugar?"
"Why did my profit fall this month?"
"Which supplier gives me the best prices?"
The AI answers using the shop's own data.
Long-Term Vision
Imagine 1 million Indian shopkeepers using your app every morning to understand their business.
That kind of vision is what can build a significant company.
One more idea
Once we validate the software, we can add an AI Loan Marketplace:
The app detects that a business is eligible for a loan.
The owner can choose to apply through participating banks or financial institutions.
The app prepares much of the required documentation automatically.
That creates value for shop owners while staying within applicable regulations and partnerships.