Systematically analyze unused liquidity and let it work
Nivor Rinorela learns from your actual decisions how much risk suits your company and derives continuously adjusted recommendations for capital allocation - created automatically, understandable at any time and finally approved by you.
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Capital that is in the business account does not work
Many small and medium-sized companies keep liquidity reserves in accounts that barely generate any income. The reason for this is rarely negligence, but rather a lack of time for ongoing market observation and the uncertainty about how much risk is acceptable in one's own business model.
Nivor Rinorela handles this ongoing analysis. The platform evaluates relevant market data in real time and translates it into concrete suggestions for action tailored to your risk profile - without you having to set up a finance team.
Four technical building blocks for well-founded decisions
Every function is structured in such a way that it remains comprehensible - even if the underlying calculations are complex.
Individual risk modeling
The system records how you have responded to market fluctuations in the past and calibrates your risk profile accordingly. Recommendations change as your behavior or preferences change.
Ongoing data processing
Market data is continuously read and evaluated. Forecast models update themselves as soon as relevant conditions change, instead of just recalculating periodically.
Suggestions instead of flying blind
The analysis results in concrete allocation suggestions for excess liquidity. The final approval is yours; the system takes care of the preparatory work.
Comprehensible reporting
Each recommendation is documented with the underlying assumptions. You see what factors led to a decision, not just the outcome.
How the system adapts to your company
The structure follows four phases that build on each other and do not represent a one-off configuration.
Data connection
Existing account and accounting data is integrated via secure interfaces without replacing existing systems.
Learning phase
Based on initial feedback and specifications, the system calibrates a preliminary risk profile for your company.
Optimization
The engine matches market data with your profile and creates prioritized suggestions for capital distribution.
Ongoing monitoring
Positions and the market environment are continuously monitored and recommendations are automatically adjusted if necessary.
Concrete use cases for entrepreneurs
The following scenarios show how analysis can be used in day-to-day business.
Make sensible use of seasonal liquidity peaks
Many businesses have months of high cash balances, followed by periods of tighter liquidity. Nivor Rinorela recognizes such patterns from historical account movements and suggests what proportion of reserves can be tied up in the short term without endangering solvency.
Use free funds specifically instead of across the board
Instead of simply leaving surpluses in a current account, the system sorts them according to maturity and risk class. You will receive staggered suggestions that are based on your planning horizon.
Stay in control without having to check everything manually
Warning thresholds and release limits are set by you. The system will suggest adjustments as market conditions change, but will not implement anything without your confirmation.
Frequently asked questions about security and controls
An excerpt of the topics we are most frequently asked by entrepreneurs.
How is our company data protected?
All data connections are transmitted encrypted and processed in accordance with the requirements of the GDPR. The data is stored on servers within the EU, accesses are logged and limited to the extent necessary for analysis.
Does AI make decisions automatically, or do we remain in control?
The system creates suggestions and highlights which assumptions are based on them. No transaction will be carried out without your approval. You can set thresholds, exclusions and approval processes individually.
How quickly can we get our liquidity back?
The suggested forms of investment take your stated liquidity requirements into account right from the start. Deadlines and availability are transparently stated for each proposal before a decision is made.
How complex is the technical integration?
The connection takes place via existing interfaces to common banking and accounting systems. As a rule, no adjustment to your internal IT infrastructure is necessary; the initial setup will be carried out together with you.
Ready for smart liquidity?
In an initial analysis, we will show you how much of your current liquidity reserves could be used sensibly and what risk profile fits. This means you gain time for your core business and still retain control of your capital.
Data processing in accordance with the GDPR standard, server location within the EU.