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  Published in Science and Technology on Tuesday, October 21st 2025 at 7:45 GMT by The Jerusalem Post Blogs

The Jerusalem Post’s Business and Innovation section has reported a significant development in Israel’s fintech ecosystem, spotlighting a new artificial‑intelligence‑driven platform that promises to streamline cash‑flow management for small and medium‑sized enterprises (SMEs). The startup, PayMinds Ltd., unveiled the platform on Tuesday, announcing a strategic partnership with Bank Leumi that will enable the bank’s SME clients to access AI‑enhanced credit scoring and invoice financing solutions.

PayMinds’ platform, dubbed “SmartFlow,” leverages machine‑learning algorithms to analyze a firm’s financial statements, transactional data, and external market signals. By identifying patterns that precede liquidity shortfalls, SmartFlow generates predictive insights and suggests optimal financing options before the need becomes critical. According to the company’s co‑founder and CEO, Dr. Maya Cohen, the technology not only expedites the decision‑making process but also reduces the risk of default for lenders. “Our models provide a data‑driven confidence score that can be integrated directly into the bank’s existing risk‑assessment workflows,” Cohen told reporters. “The goal is to give SMEs the breathing room they need while protecting financial institutions from unnecessary exposure.”

The partnership with Bank Leumi is expected to be the first large‑scale deployment of SmartFlow in the Israeli market. The bank’s Chief Financial Officer, Haim Rosenberg, emphasized the importance of digital transformation for its SME portfolio. “In a rapidly changing economic environment, we need tools that can adapt to new realities and help our clients thrive,” Rosenberg said. “PayMinds’ platform aligns perfectly with our commitment to innovation and customer‑centric service.”

PayMinds disclosed that it has already completed a successful pilot program with 500 SMEs across various sectors, including manufacturing, logistics, and retail. During the pilot, the platform demonstrated a 30 % reduction in cash‑flow gaps and a 25 % improvement in the speed of securing invoice financing. The data, which will be publicly released in a white paper later this month, is said to underpin the company’s projected revenue growth for the next three years.

Funding has played a pivotal role in PayMinds’ rapid development. The startup recently closed a $12 million Series A round, led by Israeli venture firm Pitango Ventures. The funding package also included participation from Global Founders Capital, a leading international venture capital group, and Israeli angel investor Yossi Koren, known for his early investments in fintech startups. “The capital will accelerate product refinement, scale our customer acquisition efforts, and expand our team,” Cohen said. “With these resources, we aim to become the go‑to AI credit‑scoring platform for SMEs in the Middle East.”

In addition to private equity, PayMinds has received a grant from the Israeli Innovation Authority, which supports high‑tech companies that contribute to national economic growth. The grant, awarded through the “TechStars” program, provided the company with an additional $2 million to enhance its data‑analytics infrastructure and to conduct third‑party validation of its risk models. “The Innovation Authority’s support reaffirms the national significance of PayMinds’ mission,” Cohen remarked.

The partnership also aligns with policy initiatives from the Ministry of Economy and Industry, which has been pushing for broader digital adoption in the SME sector. The ministry’s Digital Transformation Office released a white paper earlier this year outlining a roadmap for AI integration into commercial lending. “AI‑based credit scoring can reduce loan loss ratios and improve capital allocation,” the document noted. “We encourage financial institutions to adopt proven solutions such as PayMinds’ SmartFlow.”

Bank Leumi’s press release, posted on its website, highlights the operational details of the collaboration. The bank will integrate PayMinds’ predictive analytics into its online loan application portal, allowing borrowers to receive instant risk assessments and personalized financing offers. The partnership also includes joint marketing initiatives aimed at raising awareness of AI‑enhanced credit products among SME owners.

Looking ahead, PayMinds plans to extend SmartFlow beyond Israel’s borders. The company’s CEO outlined a roadmap that includes regulatory engagement in neighboring countries and a potential partnership with the European Central Bank for cross‑border SME financing. “Our vision is to democratize access to financial tools through AI, regardless of geographic boundaries,” Cohen stated.

Industry analysts have responded positively to PayMinds’ launch. According to an analyst at IDC, the company’s AI‑driven credit‑scoring approach positions it ahead of traditional risk models that rely heavily on static financial ratios. The analyst noted that the real‑time, data‑rich insights offered by SmartFlow could significantly lower the cost of capital for SMEs and reduce default rates for banks.

In summary, PayMinds Ltd. has introduced an AI‑powered platform that promises to transform cash‑flow management for SMEs in Israel, thanks in part to a robust partnership with Bank Leumi, significant venture funding, and support from the Israeli Innovation Authority and the Ministry of Economy. With successful pilots demonstrating tangible benefits and a clear expansion strategy, PayMinds is poised to become a key player in the region’s fintech landscape.