Many SMEs still manage warehouse balances, material consumption, production planning, service orders, approvals, business-plan execution, and basic financial visibility through Excel, paper, or disconnected tools. This creates weak operational control for the company and limited visibility for the bank that finances or serves the client.

SMEs are becoming more digital, banks are moving from pure financing toward platform services, and AI-enabled analytics can make operational data more useful for both the enterprise and the bank.

A modular ERP MVP for SMEs: tenant onboarding, roles and permissions, warehouse/inventory flows, purchase receiving, production orders with BOM, service orders, approvals, dashboards, notifications, audit logs, and bank monitoring. The product can later connect bank account inflow/outflow data and accounting systems such as 1C to compare business plans against actual performance.

• Start with inventory and warehouse control as the wedge product.
• Build a production-order module for plan-vs-fact material usage and finished goods intake.
• Create a service-order module for service businesses that need SLA, resource usage, and profitability tracking.
• Add AI anomaly detection for unusual inventory movements, write-offs, stock discrepancies, or inactive tenants.
• Position the product as an embedded SME operating system offered by a bank to business clients.
• Add a business-plan execution layer that compares planned revenue/expenses with actual bank-account inflows and outflows.
• Connect accounting data, such as 1C reports, to show receivables, payables, and operational health signals.

• B2B SaaS team
• Experience with ERP, accounting, inventory, logistics, manufacturing, or SME operations
• Strong backend, data modeling, and role-based security skills
• Ability to design simple UX for non-technical business users

• Tenant/company onboarding
• User roles: bank admin, company admin, warehouse employee, production operator, manager, auditor
• Warehouse receipt, issue, transfer, reservation, and inventory count flows
• Basic production order with BOM and material consumption
• Service order tracking
• Dashboards for company management and bank monitoring
• Audit log and OTP-ready authentication flow
• Business-plan vs actual monitoring
• Optional 1C/accounting data import
• Receivables and payables visibility

• An SME can onboard and manage core inventory flows without Excel.
• Inventory balances change only after confirmed documents.
• Managers can see current balances, production status, service orders, and discrepancies.
• The bank can see tenant activity and risk indicators without editing company operations.
• Audit trail clearly shows who created, edited, approved, or cancelled each document.

• Multi-tenant data separation is mandatory.
• Role-based permissions and auditability must be designed from day one.
• The MVP should not try to become full accounting, payroll, CRM, tax, or marketplace software.