qualis

Qualis connects to your Investec business account and automatically surfaces payment intelligence — who owes you, who pays late, when your cash flow is at risk — with zero data entry. All intelligence is inferred entirely from existing transaction behaviour.

The Problem

South African SME owners manually download bank statements, open Excel, and spend hours trying to figure out who has paid and who hasn't. They miss late payments. They don't see cash flow problems coming. They have no easy way to act on what they find.

Every tool that exists is built around bookkeeping — the past. They answer: what happened to my money?

Nobody is answering: what is about to happen to my money, and which specific client relationship is the problem?

The Solution

Qualis plugs into Investec's banking API and learns from your transaction history. It builds behavioural profiles for every counterparty — their average payment amount, typical payment day, reliability trend — and flags when patterns break.

Bandz runs a small marketing agency with 6 clients. Every month his clients pay on different days, for different amounts. He has no easy way to track who has paid and who hasn't.

With Qualis, Bandz logs in and sees: "Client A paid this week. Client B usually pays around the 15th — nothing yet. Client C is 3 weeks overdue on R30,000."

He clicks one button. A payment reminder is generated. He sends it. Done.

That is the entire product.