Every Murtakaz Feature — Explained Simply
No finance jargon. Just what each feature does, why it matters for getting funded, and how it helps you understand your business.
Plan Comparison
| Feature | Free | BuilderRecommended | Elite |
|---|---|---|---|
| AI Credits | 30/day | 500 | 1,000 |
| Idea Wizard | |||
| Basic Pitch Deck | |||
| Full 5-Year Forecast | |||
| Export to Excel | |||
| Export to PDF | |||
| Cashflow Projection | |||
| AI Business Advisor | |||
| Ratio Calculator | |||
| Budget Variance Analyzer | |||
| DCF Valuation |
Feature Deep Dives
Explained like a friend over coffee — no MBA required.
AI Credits
رصيد الذكاء الاصطناعي
What it is
Each credit lets you use the AI to generate or refine a section of your business plan.
Why it matters for your business
More credits = more iterations. You can refine your pitch deck, test different financial scenarios, and get the best possible output.
In simple terms
Think of it like minutes on your phone plan. Free gives you 30 minutes a day — enough to start. Builder gives you 500 — enough to finish a complete plan. Elite gives you 1,000 — enough for multiple projects.
Idea Wizard
مرشد بناء الفكرة
What it is
An 8-step guided process that transforms your raw business idea into a structured plan.
Why it matters for your business
Most founders have a great idea but struggle to structure it. The wizard asks the right questions so you don't miss anything investors want to see.
In simple terms
It's like having a smart friend who asks you all the questions an investor would ask — but before you meet the investor, so you're prepared.
Basic Pitch Deck
خطة عرض أساسية
What it is
An AI-generated investor presentation covering your business idea, market, team, and financial overview.
Why it matters for your business
Without a pitch deck, you can't get a meeting with an investor. This gives you a professional starting point you can customize.
In simple terms
It's your business idea on slides — the thing you show an investor when you say "Can I have 10 minutes of your time?"
Full 5-Year Forecast
توقعات مالية كاملة لـ5 سنوات
What it is
Complete financial projections for 5 years including revenue, costs, profit, and growth — with 3 scenarios (conservative, realistic, optimistic).
Why it matters for your business
Investors don't fund ideas — they fund numbers. A 5-year forecast shows you've thought beyond "it's a good idea" to "here's exactly how we make money."
In simple terms
Imagine showing an investor: "In year 1 we'll make SAR 200K, year 2 SAR 800K, year 5 SAR 5M." That's what this builds for you — with backup scenarios in case things go slower or faster.
Export to Excel
تصدير Excel
What it is
Download your financial model as an Excel spreadsheet.
Why it matters for your business
Investors and banks in Saudi often want to see your numbers in Excel so they can run their own analysis. It shows professionalism and transparency.
In simple terms
When a bank like Al Rajhi asks for your financials, they want an Excel file — not a screenshot. This gives them exactly what they expect.
Export to PDF
تصدير PDF
What it is
Download your pitch deck and financial study as a professional PDF document.
Why it matters for your business
PDFs are the standard for sharing business plans with investors, partners, and government bodies. They look professional and can't be accidentally edited.
In simple terms
It's the polished version you email to the investor after your meeting — looks like you paid a consultant to make it.
Cashflow Projection
توقعات التدفق النقدي
What it is
Month-by-month projection of money coming in and going out of your business.
Why it matters for your business
Profit doesn't mean you have cash. Many profitable businesses fail because they run out of cash between paying suppliers and collecting from customers. Cashflow projections prevent that surprise.
In simple terms
Your business might make SAR 100K profit on paper, but if your customer pays you in 90 days and your supplier wants money in 30 days, you have a problem. Cashflow projection shows you exactly when you'll have cash and when you'll need more.
AI Business Advisor
مستشار أعمال بالذكاء الاصطناعي
What it is
An AI-powered advisor that reviews your business plan and gives strategic recommendations — like having a consultant available 24/7.
Why it matters for your business
A human consultant costs SAR 50K+ and is available during business hours. The AI advisor spots weaknesses in your plan, suggests improvements, and helps you think through challenges.
In simple terms
Like having a business-savvy uncle who's always available to look at your plan and say "Have you thought about this?" — except this uncle has analyzed thousands of businesses.
Ratio Calculator
حاسبة النسب المالية
What it is
Automatically calculates key financial ratios from your business data — profit margins, liquidity ratios, efficiency ratios, and debt ratios.
Why it matters for your business
Investors and banks use these ratios to quickly judge your business health. If your ratios are good, you look credible. If they're missing, you look unprepared.
In simple terms
It's like your business's health checkup numbers. Just like a doctor checks your blood pressure and cholesterol, investors check your profit margin and debt ratio. This tool calculates them automatically.
Budget Variance Analyzer
محلل انحراف الميزانية
What it is
Compares your planned budget vs actual spending and highlights where you're over or under budget.
Why it matters for your business
Investors want to see that you can manage money, not just make projections. Tracking budget variance proves you're disciplined and data-driven.
In simple terms
You planned to spend SAR 10K on marketing but spent SAR 15K. Is that good or bad? This tool tells you — and more importantly, shows your investor you're tracking every riyal.
DCF Valuation
تقييم التدفقات النقدية المخصومة
What it is
Discounted Cash Flow analysis — calculates your business's total value based on its projected future cash flows, discounted back to today's value.
Why it matters for your business
When an investor asks "What's your company worth?" you need a real answer, not a guess. DCF is the gold standard valuation method used by banks, VCs, and institutional investors worldwide.
In simple terms
If your business will make SAR 1M per year for the next 10 years, it's worth more than SAR 0 today but less than SAR 10M (because money tomorrow is worth less than money today). DCF calculates the exact number. When you tell an investor "We're valued at SAR 8M based on DCF analysis" — that's professional. That gets respect.
Start with the Free plan — upgrade when you're ready.
30 AI credits a day. Idea Wizard. Basic Pitch Deck. No credit card needed.