AI-supported financial decisions for growing businesses

You build the business.
We show you what it actually earns.

Your sales, costs and stock live in different places. Certoly brings them together and gives you a sentence, not a spreadsheet: what changed, why it changed, and which number needs your attention today.

"Did I make money this month? Which product group worked? Will cash last?"
Certo. Certo — it all adds up.
certoly · panel Sample business · illustrative data
  1. 09:42 · What changed today
    Luna Dress revenue is up
    +18.4%
    last 30 days vs the 30 before
  2. But
    Gross profit on the same product fell
    −4.9%
    margin 31.0% → 24.9%
  3. Why?
    • Discount depth10% → 14%
    • Return rate6% → 11%
    • Unit cost · new batch+4%
  4. AttentionReview the discount on this product before the next campaign.
Showing the numbers isn’t enough. Certoly connects them.
Founder's track record
Investment Banking · Istanbul Private Equity · Munich M&A & e-Commerce · Milan

What Certoly sees

On the panel this morning.

Six findings from a sample business. Each answers one question and points to the next step. Tap a card: what happened, why it matters, what to look at.

  1. What happened
    Luna Dress brings 22% of revenue but only 9% of gross profit.
    Why it matters
    Stock and ad decisions made on sales figures grow the product that earns least.
    What to look at
    The discount depth on this product and the cost of its latest batch.
  2. What happened
    Stock in three product groups hasn’t moved for 74 days.
    Why it matters
    That money could be working elsewhere as cash, and it loses value as the season passes.
    What to look at
    Which group has been tied up longest, and whether a discount or patience clears it.
  3. What happened
    This week two orders sold below unit cost.
    Why it matters
    The sale shows up, but every one of those units books a loss.
    What to look at
    How deep discounts go, channel by channel.
  4. What happened
    Sizes M and L are down to their last units while XS and XL sit on the shelf.
    Why it matters
    When the best-selling size runs out, sales stop and the other sizes stay in stock.
    What to look at
    The size split of the next production batch.
  5. What happened
    Most of this product’s production investment has come back through sales.
    Why it matters
    Knowing which products have paid back makes the reorder decision clear.
    What to look at
    Whether the remaining stock gets it over the line.
  6. What happened
    More than half of the returns came from one pattern, with the same reason.
    Why it matters
    Return shipping and packaging don’t come back. If the fit is off, every new sale repeats it.
    What to look at
    That pattern’s size chart.

Sample business, illustrative figures. The finding types are ones the panel really produces.

Sample finding

₺28,0M
this month's revenue
4.2% apart
₺26,8M
revenue where profit hits zero

If revenue drops 4%, this month's profit is zero.

You sold ₺28 million and kept ₺202 thousand. Your profit lives in the last 4% of revenue, and seeing that means bringing sales, cost and fixed expenses into one table. Certoly does it for you and says the answer in a single line.

Figures from sample data · no real customer data used

How it works

Not a feature list.
The questions you ask.

Once your data is connected, the panel recalculates these questions whenever the data refreshes. Open it and the answer is at the top; you don’t have to go looking.

Services

Two modules. Full clarity.

You can take them separately — but the real picture of your business appears only when they work together.

The split: profit per product is financial, movement per product is operational. Same product, different question.

active
Module 01

Financial Automation

The money story. Where profit comes from, which product and which channel earns it, what each decision changes — clear in front of you every morning.

income & expense automation margin by product and channel payback point scenario levers ad break-even · soon cash flow · soon
Priced to your scale
active
Module 02

Operations & Growth

The goods story. Where stock sits tied up, which variant moves, what comes back, where an order stands. Certoly tracks it for you.

stock turnover & tied capital variant breakdown returns order flow
Priced to your scale
Bundle · Recommended

Both, together

Operational data flows into finance, financial insight steers operations. The full picture of your business only becomes clear this way.

everything included single dashboard on-demand reports priority support
Priced to your scale · best value

How Certoly thinks

Ask your business a question.

See which numbers are checked before an answer is given. Pick one of the questions below.

Pick a question.

Illustrative demonstration; no live AI runs here. In the panel, questions are answered from the findings on screen.

Intelligence with guardrails

The engine calculates.
The AI doesn’t make things up.

A system you base financial decisions on should be clear about what it does and what it doesn’t. Here is ours.

The numbers

Every figure on screen comes from a deterministic, rule-based calculation engine, not from a language model’s guess. Same data, same result, every time.

What the AI does
  • Picks which part of the panel your question belongs to.
  • Writes a draft answer when one is needed.
What it doesn’t
  • It doesn’t produce numbers.
  • It never sees raw orders, products or customer records, only the engine’s aggregated results.
  • Its drafts don’t reach you until a person has read and approved them.
  • Your data isn’t used to train models.
Your data

Each business’s data is kept separate; a session can only reach its own tables. Passwords are stored hashed. Which data goes to which provider, and why, is listed item by item in the privacy notice.

AI Module Privacy Notice →

Track Record

Corporate-grade finance,
at boutique scale.

Behind Certoly is a background in cross-border M&A and corporate finance. The discipline the big houses use — now working for your business.

Founder's background
Investment banking · Istanbul
M&A — Cross-border acquisitions, target screening, valuation
M&A
Private equity data platform · Munich
BD — International market development
Fintech
Corporate finance, M&A, e-commerce · Milan
M&A · BD — Cross-border transactions across 7 countries: brand acquisition, integration and commercial development
M&A
Clients
Rêver · Istanbul
Womenswear · Module 01 + 02
Read the case study →
Live
Studio Mins · Istanbul
Porcelain · Module 01 + 02
Live
€35M+
Transaction volume managed
2
Clients under management

Certoly Tools

Calculate it once.
Or have it watched.

Tool
“Help me calculate this.”

Working files and free guides for founders. You enter the numbers yourself and get the answer once.

See the tools (in Turkish) →
Certoly
“Keep watching this for me.”

Your data is connected, the panel recalculates as the data refreshes and shows you what changed when you open it. A spreadsheet answers once; Certoly keeps watching.

Book a call →

How it works

Three steps to certainty.

I — Assessment

We listen to your business

We review your business, your real numbers, and where you're stuck. Together we see what's unclear.

30 minutes · free
II — Setup

We build your system

We connect your data the way your business works: through live platform integrations or file uploads. Data starts flowing into Certoly.

2-3 weeks
III — Certo

The panel watches, you decide

As data refreshes, the panel recalculates and tells you what changed and which number needs your attention.

ongoing

Growth Assessment

Let's see your business's
financial picture — together.

In a free 30-minute call we'll talk through your business, your numbers, and where you're stuck. No commitment — you'll leave knowing exactly what's needed.

—Your product margins and pricing reviewed, with concrete feedback
—Clarity on which module fits your business
—We identify where your data is getting lost
—No generic advice — specific to your business, with real numbers
Request a call
We reply within one business day
Trouble? Reach us at info@certoly.com.tr
How we handle your personal data: Privacy Notice.