Azma Finance
- Company typePrivate
- Founded2022
- HeadquartersTashkent, Uzbekistan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Azma Finance firmographics
Firmographics- Name
- Azma Finance
- Legal name
- OOO AZMA ACCOUNTING
- Website
- https://azmafinance.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Azma Finance industry classification
Industry- Product category
- Cloud Accounting Software
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412), Management Consulting Services (54161)
- SIC
- Services-Engineering, Accounting, Research, Management (8700)
- akta.pro primary industry
- Tax Operations Support (Indirect Tax, Withholding, Compliance Admin) (BPAAAGAI)
- akta.pro secondary industries
- Billing & Revenue Operations (Subscription/Usage Billing, Rating, Order-to-Cash Support) (BPAAAGAD), Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ)
Keywords
Where Azma Finance is headquartered
LocationHeadquarters
- HQ city
- Tashkent
- HQ country
- Uzbekistan
- HQ region
- Asia
Offices1 record
Markets served
Azma Finance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- SaaS Subscription Plans: Three-tier monthly subscription model: Start (425,000 UZS), Business (825,000 UZS), and Pro (1,225,000 UZS). Subscriptions are auto-renewed calendar month periods. Annual billing available with discounted plans.
- Additional Services (Add-ons): Supplementary per-month services including IT Park reporting (345,000 UZS), personnel accounting (675,000–1,228,500 UZS), electronic document management (375,000–840,000 UZS), bank account management (486,000–1,020,600 UZS), and document preparation.
- Business Registration Services: One-time fee services for registering businesses: IE registration (free government fees separate), LLC registration (985,000 UZS), FE registration (585,000 UZS), plus legal address service from 3,500,000 UZS/month.
- CFO Subscription Services: Subscription-based CFO service in partnership with KSP Consulting covering financial forecasting, cash flow management, annual budgeting, financial reporting, and investment support.
- VAT-Accountant Department Services: Professional accounting department for companies with VAT, including financial documents, taxes, reporting, payroll, and legal support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Start — 425,000 UZS/month for Individual Entrepreneurs up to 95M UZS turnover/year |
| Subscription | Monthly | Business — 825,000 UZS/month for businesses up to 450M UZS turnover/year |
| Subscription | Monthly | Pro — 1,225,000 UZS/month for businesses up to 950M UZS turnover/year |
| Subscription | Monthly | IT Park/Cyber Park Reporting — 345,000 UZS/month |
| Unit Pricing | Monthly | Personnel Accounting — 675,000–1,228,500 UZS/month |
| Unit Pricing | Monthly | Electronic Document Management — 375,000–840,000 UZS/month |
| Unit Pricing | Monthly | Bank Account Management — 486,000–1,020,600 UZS/month |
| One time/ perpetual license | Pay-as-you-go | LLC Registration — 985,000 UZS one-time |
| One time/ perpetual license | Pay-as-you-go | FE Registration — 585,000 UZS one-time |
| Freemium | Pay-as-you-go | IE Registration — Free service (government fees separate) |
| Subscription | Monthly | Legal Address — from 3,500,000 UZS/month |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Azma Finance product offering
Product offeringCore offering
Azma Finance operates a Telegram-integrated SaaS platform that automates bookkeeping, tax calculation, and statutory reporting for small and medium-sized businesses in Uzbekistan. The platform handles turnover tax, PIT, social tax and VAT calculations, generates and electronically submits reports to tax authorities, manages electronic documents via Didox, and integrates with domestic banks and payment systems. Beyond the core subscription, the company sells complementary services including business registration (IE, LLC, PE, FE), IT Park/Cyber Park specialized reporting, HR records, bank account management, document handling, and a subscription CFO service in partnership with KSP Consulting.
Product overview
Azma Finance is a unified SaaS accounting platform for small and medium enterprises in Uzbekistan, operated primarily through a Telegram bot interface. The core platform provides automated bookkeeping, tax calculation, reporting, and compliance services. The product portfolio includes three main subscription tariff plans (Start at 425,000 UZS, Business at 825,000 UZS, Pro at 1,225,000 UZS per month) differentiated by business size and feature access. Beyond the core accounting platform, Azma offers complementary add-on services including business registration (IE, LLC, PE, FE), specialized IT Park/Cyber Park reporting, zero report submission, turnover tax reporting, bank account management, electronic document management, HR record keeping, and non-resident bank account opening. A subscription-based CFO service is offered in partnership with KSP Consulting. The company also offers a BNPL product called Azma Split and is integrated into the Click SuperApp ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- Azma Split: BNPL (Buy Now, Pay Later) solution that empowers entrepreneurs to access essential resources without straining cash flow.
Products and services
- Azma Finance Online Accounting Platform SaaS accounting platform delivered through a Telegram bot interface (@AzmaFinanceBot) and web dashboard, providing automated bookkeeping, tax calculation, reporting, electronic document management, and compliance services for small and medium-sized businesses in Uzbekistan. Replaces the need for an in-house accountant.
- Azma Split (BNPL) Buy Now, Pay Later (BNPL) solution from Azma that allows entrepreneurs to access essential resources without straining cash flow, part of Azma's financial product ecosystem.
- IE Registration Service
Quantifiable outcome
- 99% accuracy guarantee in tax calculations and report generation, with error insurance coverage
- +7 more outcomes
Companies that use Azma Finance
Customer profileNamed customers1 record
Segments7 records
Ideal customer profiles6 records
Azma Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature6 records
Azma Finance partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- KSP ConsultingcoreCo-delivers subscription-based CFO services including financial forecasting, cash flow management, annual budgeting, financial reporting, and investment support. Azma Finance customers receive free management audit with AZMA promo code.
- ClickcorePayment system integration partner. Seamless connection with Click payment system for instant invoicing and transaction tracking. Azma Finance integrated into Click SuperApp platform for direct access within Uzbekistan's leading digital ecosystem.
- Yangi BankmajorBanking partner providing exclusive offers to Azma Finance customers including free account opening, favorable deposit rates, and salary project services for small and medium-sized businesses.
- IT ParkmajorStrategic partnership providing specialized reporting services for IT Park residents who benefit from 0% income tax, VAT exemption, and customs duty benefits. Azma handles all IT Park reporting requirements.
- Cyber ParkmajorSimilar to IT Park partnership for Cyber Park residents. Azma Finance provides specialized monthly and quarterly reporting services for Cyber Park residents with IT tax benefit compliance.
- Plug and Play Tech CentermajorSelected as participant in Plug and Play accelerator program (second stream in Central Asia, 2023). Provides access to mentorship, investors, corporate partners, and global innovation ecosystem resources.
- Muna MediaminorAdvertising and communications agency partner. When purchasing 5 LED screens in Tashkent, Azma Finance customers receive free traffic analysis. Both companies share founder Alisher Alimov.
- AvarminorCRM solutions partner. Azma Finance customers purchasing an annual AmoCRM subscription receive an additional month of free use. Avar provides sales management and CRM system implementation.
- Yandex GominorStrategic partnership referenced in investor materials as part of Azma Finance's expanding fintech ecosystem and payment integration network.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Azma Finance competitors and assessment
Company assessmentDirect peers
- Wave Financial: Free SaaS accounting platform for small businesses with subscription add-ons, similar to Azma's tiered subscription + add-on structure (Start, Business, Pro + add-ons).
- SKB Kontur: Russian online accounting, tax reporting, and compliance SaaS suite targeting SMBs and accountants, overlapping directly with Azma's automated tax calculation and e-reporting positioning.
- OkCredit: India SMB bookkeeping and collections app serving unorganized merchants; comparable in target customer (small/micro businesses), subscription and add-on revenue model, and emerging-market tax/compliance automation narrative.
- FreshBooks: SMB-focused accounting SaaS with subscription tiers and add-on services; comparable tiered pricing/feature gating and freelancer/SMB target customer to Azma.
- Khatabook: India-based SMB digital bookkeeping and credit ledger app with mobile-first UX for micro-merchants, comparable in segmentation and product-led growth motion to Azma Finance's Telegram-bot experience.
- 1C Company: Dominant CIS-region accounting and ERP software provider, including Uzbekistan, where 1C-based bookkeeping remains the default for SMBs and accountants that Azma Finance is displacing.
Broad incumbents
- Xero: Global SMB cloud accounting platform with broader geographic and product portfolio; representative broad incumbent showing the endgame scale Azma could pursue as it expands across Central Asia and MENA.
- Sage: Established global accounting/ERP SaaS provider for SMBs and mid-market; relevant broad incumbent peer for a regional accounting SaaS challenger.
- Intuit QuickBooks: Global SMB accounting and bookkeeping platform with massive brand and ecosystem; relevant as the dominant global incumbent in Azma's product category.
Regional players
- Click: Uzbekistan's leading payment superapp and Click SuperApp host, now integrating Azma Finance inside its ecosystem; both a critical distribution partner and a potential competitor if it bundles accounting features natively.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Azma Finance social profiles
Digital presenceAzma Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Azma Finance leadership team
Management profileNumber of profiles
Profiles8 records
Azma Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Azma Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Azma Finance
What does Azma Finance do?
Azma Finance operates a Telegram-integrated SaaS platform that automates bookkeeping, tax calculation, and statutory reporting for small and medium-sized businesses in Uzbekistan. The platform handles turnover tax, PIT, social tax and VAT calculations, generates and electronically submits reports to tax authorities, manages electronic documents via Didox, and integrates with domestic banks and payment systems. Beyond the core subscription, the company sells complementary services including business registration (IE, LLC, PE, FE), IT Park/Cyber Park specialized reporting, HR records, bank account management, document handling, and a subscription CFO service in partnership with KSP Consulting.
Is Azma Finance a public or private company?
Azma Finance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Azma Finance founded?
Azma Finance was founded in 2022. It employs 11 to 50 people.
Where is Azma Finance based?
Azma Finance is headquartered in Tashkent, Uzbekistan, in the Asia region.
How does Azma Finance make money?
Five revenue lines are on record. SaaS Subscription Plans are the primary driver. The others are additional Services (Add-ons), business Registration Services, CFO Subscription Services and VAT-Accountant Department Services.
Who are Azma Finance's main competitors?
Direct peers on record are Wave Financial, SKB Kontur, OkCredit, FreshBooks, Khatabook and 1C Company. Broad incumbents are Xero, Sage and Intuit QuickBooks. Click is listed as a regional player.
Does Azma Finance have an API?
No public API is recorded for Azma Finance.
What industry is Azma Finance in?
Azma Finance's product category is Cloud Accounting Software. Its primary akta.pro industry code is BPAAAGAI, Tax Operations Support (Indirect Tax, Withholding, Compliance Admin), with a secondary code of BPAAAGAD, Billing & Revenue Operations (Subscription/Usage Billing, Rating, Order-to-Cash Support). Its NAICS code is 5412 and its SIC code is 8700.