Revolutionizing small business finance with AI and heart
In an economy where every dollar counts, small business owners are looking for smarter ways to grow without losing control of their cash flow. On The Rhonda Swan Show: Wake Up New York City Edition (TRSS S10 EP 21), host Rhonda Swan sat down with visionary entrepreneur and Beverly Hills cosmetic dentist Dr. Shawn Davaie, founder and CEO of EvRfinance, the company behind Kayya. This groundbreaking fintech platform is redefining how service-based businesses offer financing, using artificial intelligence and embedded banking tools to empower entrepreneurs to scale sustainably in an increasingly digital economy.
Dr. Davaie was also featured live on The Wall Street Minute, where he shared how Kayya is transforming the financial landscape for service providers through innovation that bridges care, commerce and capital. Filmed in the heart of New York’s Financial District, both appearances captured the momentum behind his mission to make financial freedom accessible for business owners everywhere.
From the dental chair to the boardroom
Before becoming a fintech innovator, Dr. Shawn Davaie spent 13 years building one of Beverly Hills’ most respected cosmetic dental practices, LA Smiles. Behind the success, he encountered a recurring challenge faced by countless service-based professionals: clients who needed essential treatments but could not afford to pay in full up front.
“Over the years, I had to reject a lot of patients,” Davaie explained. “They wanted treatment, but their financing just fell short. The same thing happens in law firms, med spas, coaching and consulting. Businesses lose clients every day simply because financing systems do not serve them.”
That pain point became the foundation for Kayya, a fintech software that places financial control back in the hands of business owners while leveraging advanced technology to automate everything behind the scenes.
Putting credit power back in business owners’ hands
Unlike traditional third-party lenders or buy-now-pay-later platforms, Kayya enables entrepreneurs to extend credit directly to their clients. “Kayya gives small businesses the tools to be their own financing institution,” Davaie said. “We handle all the legal documents, credit terms and compliance. It is like having your own finance department built right into your business.”
The app uses predictive analytics and machine learning to create a seamless experience for both business owners and their clients. When a client misses a payment, Kayya’s AI automatically initiates outreach through text or call, and if needed, a human collections team follows up to restore the account.
“Small business owners usually cannot afford to chase payments or deal with legal complexities,” Davaie explained. “Kayya handles that entire process for them with precision and care. It is a complete solution.”
Creating recurring revenue through technology
Kayya was designed to transform one-time transactions into a predictable monthly income. “We recommend that owners take a down payment upfront to cover costs, then finance the remainder through Kayya,” Davaie said. “Our system automates the rest, from generating legal contracts to calculating affordable payment plans. It even verifies customer identities through secure video-based authentication.”
The result is stability, scalability and cash flow that continues to grow month after month. “Cash flow is king,” Davaie added. “If I had Kayya when I opened my first practice in 2013, I would easily be earning an additional 100,000 to 150,000 dollars a year. It is not just about increasing revenue, it is about building lasting financial resilience.”
A CFO, a bank and a finance team in your pocket
Kayya’s technology goes beyond payment processing. It offers complete visibility into a company’s financial health, turning data into actionable insights. “When you log into most banking apps, all you see is a list of transactions,” Davaie said. “Kayya shows you the full picture: where your money is coming from, where it is going and how to make it work smarter for you.”
Host Rhonda Swan immediately saw its value for entrepreneurs like herself. “As someone running a global branding agency, I know the pain of managing payments and client financing,” she said during the interview. “Kayya is exactly what small business owners like me need, a real solution that saves time and helps us keep more of what we earn.”
The future of small business finance
Kayya’s upcoming launch marks a new chapter in small business empowerment. With its blend of AI, automation and intuitive user experience, the platform bridges the gap between growth and sustainability. “Kayya is not competing with banks or lenders,” Davaie clarified. “It complements them. If a client receives partial financing elsewhere, you can use Kayya to cover the rest. That way, you keep your integrity, your pricing and your client relationships intact.”
By integrating embedded banking tools and smart collection systems, Kayya transforms how service-based businesses approach cash flow and credit. “What we are building is not just software,” Davaie emphasized. “It is a smarter ecosystem for entrepreneurs who want control and clarity in their finances.”
With the official launch scheduled for January 2026, Kayya is now accepting early registrations. “If you want a competitive edge,” Davaie said, “visit getkayya.com and sign up for early access. This is your opportunity to start 2026 with a tool that will completely change the way you manage money.”
Beauty meets business
Beyond fintech, Dr. Davaie continues to lead LA Smiles in Beverly Hills, where his artistry as a cosmetic dentist is as celebrated as his innovation in finance. “For everyone wondering why my smile looks so good, it is because of this man,” joked Rhonda Swan during the show. “He is not only transforming the future of business finance, but also helping people look and feel their best.”
A new era of human-centered innovation
Renowned for his forward-thinking mindset and commitment to human-centered innovation, Dr. Davaie blends empathy, design and technology in everything he creates. “Kayya was born from my frustration as a business owner,” he reflected. “I wanted to stop losing clients because of financial barriers. Now it is becoming a movement to help every business thrive with confidence.”
Through Kayya, Dr. Shawn Davaie and EvRfinance are shaping a new era of financial freedom where businesses grow faster, clients gain access to essential services and technology finally serves people, not the other way around.
To learn more, visit getkayya.com and follow the movement as Kayya prepares to launch its full platform in 2026.
About The Rhonda Swan Show
The Rhonda Swan Show Wake Up New York City Edition and now The Rhonda Swan Show Wake Up SoCal is a global stage for founders, creators and visionaries who turn courage into companies and values into value. Hosted by Rhonda Swan, CEO of Unstoppable Branding Agency, the series blends street-level energy with boardroom insight to reveal the people and principles behind tomorrow’s category leaders. Each episode closes the gap between inspiration and action, reminding audiences that remarkable brands are built by ordinary people who choose to keep going.
Members of the editorial and news staff of USA TODAY Network were not involved in the creation of this content.
link
