From cash chaosto financial control.
SoleBook helps Sri Lankan sole proprietors and small businesses allocate every rupee with intent — protect obligations, pay yourself properly, and grow without changing your bank.
Built for how Sri Lankan SMEs actually run
- Retail shops
- Restaurants
- Pharmacies
- Service businesses
- Wholesalers
- Bank-friendly
Most SMEs don't fail from lack of revenue.
They fail because money moves faster than discipline.
One account does everything — and nothing is reserved for what's coming next.
- Suppliers
- Rent
- Salaries
- Loans
- Personal
- Cards
Personal & business money mixed
Salaries, rent, and family expenses all flowing from the same current account.
Cheques and dues forgotten
Late penalties stack up. Suppliers stop extending credit when it matters most.
Owner withdraws emotionally
Money is taken whenever it 'feels safe' — leaving payroll short next week.
No reserve, no cushion
When sales dip, the only options are loans, savings, or delaying suppliers.
A financial discipline layer over your bank — not a replacement.
Four steps from your customer's payment to a calmer month-end. Every step is explainable, every action stays with you.
- 01
Connect your existing bank
Link your current account in minutes — no new bank, no new app for your customers. SoleBook reads cash movements through secure bank APIs.
- 02
AI watches the money in
When income arrives, SoleBook looks at upcoming bills, supplier dues, salaries, and your business pattern — then proposes a split.
- 03
You approve the allocation
Operations · Obligations · Profit Reserve · Owner Salary. Accept the suggestion or adjust it. You stay in control. AI never moves money on its own.
- 04
Stay disciplined, automatically
SoleBook reserves what's due, warns before risks, and tracks owner withdrawals — so you finish the month confident, not surprised.
One bank account.
Five disciplined intentions.
SoleBook doesn't force you to open new accounts. Inside your existing balance, AI tracks five intent-based reserves — so every rupee already knows where it's going.
Allocated across operations, obligations, reserve and owner salary — visible, but never locked away.
Operations
Daily working cash — suppliers, inventory, transport, utilities.
Obligations Reserve
Reserved before they bite — payroll, rent, loans, utility bills, taxes.
Profit Reserve
Your business cushion. Survives a bad week, funds the next move.
Owner Salary
Pay yourself like an employee. Stable. Predictable. Disciplined.
Growth & Investment
When the numbers permit — new equipment, new market, new hires.
A focused financial OS — built for sole proprietors.
Not accounting. Not ERP. Not another expense tracker. SoleBook is the discipline layer above all of them.
AI Cash Allocation
Dynamic, explainable splits based on your business type, obligations, and recent cash behavior — never fixed ratios.
Priority Payment Engine
Salaries, utilities, loans first. Suppliers next. Optional spending last. SoleBook tells you what must be paid this week.
Obligation Forecast
See 7, 14 and 30-day risks before they happen. Cheque dates, supplier dues, recurring bills — all visible early.
Financial Discipline Score
A gamified business health score that grows when you pay on time, reserve consistently, and pay yourself stably.
Duplicate Payment Detection
Caught a supplier transfer that looks like one made 3 days ago? SoleBook flags it before the rupees leave your account.
Risk & Fraud Signals
Large transfers to new payees, unusual hours, abnormal velocity — surfaced as plain-language warnings, not jargon.
Owner Salary System
Pay yourself like an employee. Track withdrawals against your salary goal and see leakage before it hurts payroll.
Sinhala · Tamil · English
Local language insights you can actually understand. No accounting jargon, no Western fintech tone.
AI that speaks like a careful accountant — not a black box.
SoleBook's AI explains every recommendation in the language of your shop, not your bank. It suggests, you decide. Sensitive financial logic stays inside a deterministic engine — the AI is there to make it understandable.
- AI never moves money on its own.
- Sensitive data is sanitized before reaching any model.
- Every recommendation has a reason you can audit.
Supplier payments may fail in 9 days if current spending continues.
Inventory spending up 12% — but profit reserve dropped 40%. Worth a look.
Withdrawals exceeded your salary goal by 22% this month — may affect payroll.
You · Can I safely pay this supplier today?
SoleBook · Yes, but only Rs 60,000 of the Rs 90,000 invoice. The rest would push your obligations reserve below the staff salary due Friday.
- 5thRs 30,000
- 11thRs 12,000
- 19thRs 45,000
- 28thRs 8,000
Random withdrawals. No predictability. Payroll feels the impact.
- Stable, predictable, disciplined
- Business cash isn't bleeding into personal life
You're not the business.
You're its most important employee.
Most owners take money randomly — and it quietly destroys cash flow. SoleBook helps you set a salary you can rely on, then warns you the moment personal withdrawals start hurting the business.
- Set a monthly salary goal you can actually pay.
- Track withdrawals against the goal automatically.
- Get a heads-up before personal spending breaks payroll.
- Build a clean financial identity banks recognise.
- 8 in 10
SMEs fail from cash discipline, not lack of revenue
- < 5 min
Onboarding — connect, choose, done
- 0
New bank accounts required
- 3
Languages: Sinhala, Tamil, English
Built with shop owners, not for spreadsheets.
We sat with grocers in Nugegoda, restaurants in Jaffna, and pharmacies in Kandy — and we built the calmest financial layer we could.
“I used to take money from the till whenever I needed it. Now I have a salary — and I finally know what my shop actually earns.”
KPKamal PereraGrocery shop owner · Nugegoda“SoleBook warned me three weeks before the supplier deadline. Last year I would have missed it and lost the credit line.”
NFNiluka FernandoPharmacy owner · Kandy“It speaks my language. Not bank language. Not accounting language. My language. That alone makes the discipline easier.”
RKRajesh KumarRestaurant owner · Jaffna
Questions, answered plainly.
No jargon. No fine print. Just what you'd ask over tea.
No. SoleBook is a financial discipline layer that works on top of your existing bank account. We never hold your money — we just help you manage it more intentionally.
No. AI only recommends — you approve. Every allocation, every payment, every withdrawal stays under your control. Sensitive financial logic runs on deterministic rules, not a black-box model.
No. The five reserves (Operations, Obligations, Profit Reserve, Owner Salary, Growth) are intelligent virtual allocations inside the bank balance you already have.
No. SoleBook is not accounting software or an ERP. It connects to them when needed and focuses on one job — keeping your cash disciplined.
Yes. We minimise what leaves your business, sanitize sensitive fields before AI sees them, and use bank-grade transport security. Audit logs capture every important event.
English, Sinhala, and Tamil. You can switch language any time from the header.
Run your business
like it's meant to grow.
Bring your bank, your business and your goals — leave the cash chaos behind.
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