Freemix analyses live cash flow and working-capital needs to separate operating cash from genuinely idle reserves. Directors receive risk-adjusted allocation guidance, with no minimum deposit.
| Allocation | Access | Status |
|---|---|---|
| Operating buffer — £42k | Instant | Protected |
| VAT & Corp Tax reserve — £21k | Instant | Protected |
| Deployable surplus — £18k | Next-day | Review model |
Illustrative Model Output. Figures are examples to show format, not advice or a forecast of return.
Many UK firms hold larger current-account balances than they need, while VAT, Corporation Tax and payroll dates cluster tightly. The concern is not growth alone. It is running short at the wrong week.
Large enterprises address this with treasury teams and forecasting models. Smaller firms have relied on static spreadsheets and month-end reviews, which show what happened rather than what working capital is likely to require next.
Freemix applies the same discipline — continuous ingestion of bank and accounting data, stress testing against BACS, Faster Payments and seasonal cycles — without the overhead or minimum thresholds that kept it institutional.
| Approach | Traditional idle account | Freemix AI optimisation |
|---|---|---|
| Visibility | Month-end balance check | Daily cash-flow ingestion and categorisation |
| Buffer logic | Fixed rule of thumb | Modelled cover for payroll, VAT, suppliers |
| Risk view | Assumed stable | Downside scenarios and liquidity score |
| Minimum to act | Often £25k+ for advice | Any amount from £1, automated analysis |
Each pillar isolates operating needs first. Only what the model identifies as surplus beyond modelled buffers is considered for allocation.
Bank transactions and accounting data are synchronised read-only, categorised, and projected over 30, 60 and 90 days. Seasonality, late-payer behaviour and tax dates are reflected in the range, not a single line.
Stress tests simulate delayed invoices, clustered supplier runs and quieter sales weeks to calculate a liquidity risk score before any deployment is suggested.
Recommendations balance access speed with efficiency, favouring instant-access buffers for operating needs and next-day options only for confirmed surplus.
Because algorithmic analysis has near-zero marginal cost, a £250 surplus receives the same modelling rigour as a £250,000 reserve. Start with any pound amount.
Algorithmic transparency matters when cash is involved. The pipeline below shows each stage, what data is used, and where human control remains.
Connect bank and accounting software with read-only permissions. Freemix cannot move funds. Data is encrypted in transit and at rest.
Historical inflows and outflows are tested against late payments, seasonal dips and tax outflows to define the protected buffer.
Surplus beyond the buffer is scored for liquidity risk and matched to access terms that preserve operating cover.
Approve each allocation or set rules for recurring surpluses. Withdraw or reallocate with zero minimums retained.
Whether deploying £500 or £500,000, the logic is consistent: protect operating cash first, then consider the remainder.
A freelancer with £2,800 across current and tax pot. The model ring-fences £2,100 for VAT and quiet-week cover, identifying £700 as deployable without affecting obligations.
A trades firm with uneven winter demand. The model holds 6 weeks of payroll and supplier cover, smoothing the identified surplus across next-day access to bridge quieter months.
A consultancy holding retained profit ahead of a Corporation Tax payment. The model isolates the tax liability and payroll cover, leaving a defined tranche for structured allocation.
Control stays with you. Freemix is a decision-optimisation platform: it analyses, models and recommends. Funds move only on your instruction, and operating buffers are treated as protected by default.
Connect read-only, review your modelled buffer and deployable surplus, and decide at your pace. No minimum commitment, no lock-in of operating cash.
Analyse Your Cash PositionTakes around 8 minutes to connect. Withdraw or pause at any time. Illustrative outputs shown throughout are examples, not advice.
