Real-time financial intelligence infrastructure platform that continuously monitors five proprietary Business Vital Signs — Cash Pulse, Revenue Blood Pressure, Customer Heartbeat, Margin Temperature, and Growth Oxygen — to detect small-business deterioration before it appears in financial statements. Targets small-business owners (continuous diagnostics, early warnings, fraud detection, prescriptive plain-language assessments), lenders/banks (predictive default modeling, portfolio vitality scoring), and government agencies (population-level distress detection and regional diagnostic intelligence).