Small and Medium Enterprises (SMEs), particularly freelancers and early-stage businesses, face unique financial management challenges due to limited resources, small customer bases, and constrained data availability. This paper presents the development and deployment of an integrated financial prediction system that combines accounts receivable prediction and cash flow forecasting specifically designed for SME operational constraints. Our system addresses the gap between enterprise-focused financial tools and the practical needs of freelancers and small businesses. The solution integrates two key components: a binary classification model for predicting invoice payment delays, and a multi-module cash flow forecasting model that handles incomplete and limited historical data. A prototype system has been implemented and deployed as a web application with integration into Cluee's platform, a startup providing financial management tools for freelancers, demonstrating practical feasibility for real-world SME financial management.

翻译：中小企业，特别是自由职业者和初创企业，由于资源有限、客户基数小以及数据可用性受限，面临独特的财务管理挑战。本文介绍了一个集成财务预测系统的开发与部署，该系统结合了专门为中小企业运营约束设计的应收账款预测和现金流预测功能。我们的系统解决了以企业为中心的财务工具与自由职业者及小型企业实际需求之间的差距。该解决方案整合了两个关键组件：用于预测发票支付延迟的二元分类模型，以及处理不完整和有限历史数据的多模块现金流预测模型。原型系统已实现并部署为集成至Cluee平台（一家为自由职业者提供财务管理工具的初创公司）的Web应用程序，展示了其在现实世界中小企业财务管理中的实际可行性。