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Tzuldareno – Analysis of corporate liquidity on a screen in an office environment
Tzuldareno

Make unused capital visible without tying up your liquidity

Our AI evaluates your account movements and payment cycles and recognizes which amounts are actually freely available and over which period of time. On this basis, it suggests suitable, low-risk investment windows - your access to the money is retained at all times.

Start analysis This is how the analysis works
Exemplary view

Liquidity forecast for the next 90 days: free funds by buffer, committed capital and identified investment windows in a common timeline.

Initial situation

Security comes at a price that many balance sheets do not show

Many medium-sized companies keep high balances in daily or business accounts for good reasons: wages, tax advance payments and seasonal fluctuations require buffers. The problem is not with prudence itself, but with the fact that unused liquidity loses value in real terms while it waits to be used.

Tzuldareno does not change your willingness to take risks, but rather makes it clear which part of your credit is actually needed in the short term - and which part could work longer without you giving up control.

  • Inflation compensation Credit without interest loses real purchasing power, even if the account balance remains unchanged.
  • Opportunity cost Capital that is considered “unavailable” without being checked will not be used to optimize returns in the short term.
  • Lack of overview Without a systematic evaluation of the cash flows, it is difficult to assess how stable a credit cushion actually is.
Tzuldareno – Team evaluating financial data in a consultation
About Tzuldareno

An analysis tool for companies that want to keep liquidity management in their own hands

Tzuldareno was developed for owners and financial managers of small and medium-sized companies who are busy with operational business during the day and have no time for active investments in the narrower sense. The platform takes over the ongoing evaluation of payment flows and provides concrete, comprehensible suggestions instead of general recommendations.

You continue to make decisions about the actual use of capital. Tzuldareno provides the data basis for this – structured, up-to-date and tailored to your payment history.

How it works

Three building blocks that together enable data-supported liquidity management

The technology remains in the background. The focus is on what it actually means for your decisions.

01

Forecasting liquidity needs

The model learns from your historical incoming and outgoing payments when funds are likely to be needed - for example before payroll runs or tax deadlines. This shows what amount is actually free over what period of time.

02

Ongoing market monitoring

Available investment windows are continuously compared with current market conditions so that proposals are not based on outdated assumptions, but rather reflect the current interest rate situation.

03

Risk-adjusted distribution

Capital is not concentrated on a single position, but is distributed across several short-term instruments according to predetermined risk limits in order to cushion fluctuations in individual positions.

Central feature

Available at any time – even while the capital is working

While the analysis runs in the background and capital is distributed into short-term instruments, you retain complete access. A payout does not require a notice period and is not tied to fixed terms. If you need the money, it is available.

No lock-in periods, no minimum term
Procedure

From the first receipt to the ongoing use of capital

Link accounts securely

You connect your business accounts via a secure, standardized interface. Tzuldareno receives read rights to payment data, but no access that could trigger independent account movements.

Identify patterns

During the first analysis phase, the model recognizes recurring payment cycles and derives a realistic liquidity buffer as well as free amounts with different time horizons.

Benefit from optimization

Based on the analysis, you will receive concrete suggestions for the distribution of free funds. After your approval, the capital will be placed accordingly and will remain accessible at any time.

Use cases

Different reserves, different time horizons

Not every reserve should be treated equally. Tzuldareno distinguishes between different types of capital and adapts the investment suggestions accordingly.

Seasonal surpluses

Companies with seasonal business experience significantly higher income than expenses in certain months. These temporary surpluses can be placed at short notice for periods of a few weeks to months without endangering liquidity for the coming off-season.

Growth reserves

Reserves for planned investments or staff expansion are often held for months before they are called upon. During this time, part of it can be used for profit purposes, while the planned call-off time can be adhered to at any time.

Reserves for tax payments

Amounts set aside for sales tax or income tax advance payments have a known due date. Even with short time frames of a few weeks, it can be checked whether a short-term placement makes sense without jeopardizing the payment date.

Frequently asked questions

What entrepreneurs ask us most often

How secure are my data and capital?

Your accounts are connected via encrypted, standard bank interfaces with read-only rights. Tzuldareno cannot trigger transfers on its own. Placed capital remains in regulated accounts held in the name of your company at the respective partner institutions.

How long does a withdrawal take?

There are no lock-up periods or minimum terms. A withdrawal request will be processed without additional notice; The actual availability on your account depends on the usual processing times of the respective institute.

What rules does the AI ​​use to make decisions?

The model works within clearly defined limits: maximum investment duration, permissible risk classes and minimum buffers are set in advance and can be adjusted by you. Suggestions outside these limits will not be generated by the system.

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Don't let your capital lie idle any longer

Arrange a non-binding conversation in which we can sort out your account structure and your availability requirements. An initial assessment is possible without any technical connection.

Request an initial consultation