PathFi

PathFi

Chart your path to finance.

PathFi is an early-stage technology venture creating a clearer way for SMEs to understand their finance readiness, strengthen their preparation and navigate better-informed finance journeys.

Finance readiness first. Better-informed finance journeys next.

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The Challenge

Accessing finance should not begin with uncertainty

SMEs may be unsure whether they are ready to seek finance, what evidence finance providers will expect or which funding pathways may be relevant.

Fragmented information, incomplete documentation and complex application journeys can make these questions harder to answer.

PathFi is being developed to make finance preparation clearer, more evidence-led and easier to navigate.

The PathFi Approach

Start with a clearer view of finance readiness

The Finance Readiness Check provides the starting point for the connected PathFi journey.

With the business’s clear consent, PathFi brings together relevant information and translates the available evidence into understandable observations, preparation priorities and practical next steps.

  1. Understand the current position

    Review relevant cash-flow evidence, trading patterns, existing commitments and funding objectives.

  2. Identify areas requiring attention

    Recognise where information, documents or explanations may need to be strengthened.

  3. Receive understandable guidance

    Understand what the available evidence indicates, including its limitations, and identify practical next steps.

  4. Build a reusable finance profile

    Progressively develop a Digital Business Finance Profile that can support future preparation and finance journeys.

How It Works

A clearer path from funding goal to informed preparation

DefineConnectAssessPrepareNavigate

  1. Define the funding goal

    Set out how much finance the business is seeking, why it is needed and when it may be required.

  2. Connect with consent

    Choose what business information PathFi may use and understand how it will support the readiness assessment.

  3. Assess finance readiness

    Review evidence-led observations, areas of confidence, information limitations and matters requiring attention.

  4. Prepare

    Strengthen the business finance profile, address readiness gaps and build a clearer basis for the next decision.

  5. Navigate

    Consider relevant next steps and potential finance pathways from a better-informed position.

The business remains in control of what information is used and what is shared.

Core Capabilities

Four connected capabilities. One clearer journey.

PathFi brings together four core capabilities that help an SME move from initial assessment towards stronger finance preparation.

  1. Finance Readiness Check

    Creates an evidence-led view of the business’s current finance readiness.

  2. AI-supported guidance

    Explains what the available evidence indicates, where limitations exist and what may require attention.

  3. Digital Business Finance Profile

    Develops an evolving, reusable record of relevant information, explanations and preparation progress.

  4. Finance navigation

    Supports clearer consideration of appropriate next steps and potentially relevant finance pathways.

Vision

A clearer position before the next step

PathFi’s vision is to help SMEs turn consent-driven business information into a clearer understanding of their finance readiness, practical preparation priorities and better-informed next steps towards finance.

What PathFi transforms

  1. Consent-driven business information
  2. Clearer readiness
  3. Practical preparation priorities
  4. Better-informed next steps

What the SME gains

  • Business information becomes clearer understanding.

  • Clearer understanding informs preparation priorities.

  • Stronger preparation enables better-informed next steps.

Clearer readiness. Stronger preparation. Better-informed next steps.

Building PathFi

Building the PathFi demonstrator

The PathFi demonstrator brings together the Finance Readiness Check, AI-supported guidance, Digital Business Finance Profile and finance-navigation journey.

It shows how responsible AI, consent-driven use of business information and practical guidance can help SMEs understand their current position, identify areas requiring attention, strengthen their preparation and take better-informed next steps towards finance.

One integrated demonstrator

  • Finance Readiness Check
  • AI-supported guidance
  • Digital Business Finance Profile
  • Finance navigation

PathFi demonstrator in development

Engagement

Help shape a clearer path to finance

PathFi welcomes conversations with SMEs, accountants, business advisers, finance-sector participants, Open Finance specialists and potential technology partners.

We are particularly interested in perspectives that can help refine the PathFi experience, strengthen the user journey and inform the continuing development of the demonstrator.

Start a conversation