Three products. One engine.
Analyse
A decision-grade position, at application.
Cashflow report
PDFApplicant 4412
Rent · s.o. · 1st−£1,150
Car finance · 15th−£410
Energy DD · 12th−£96
True free cash£1,284 /mo
Every due date, checked12 / 12 clear ✓
Applicant_4412.pdf · JSON available
01 / 06
Forecast
The same number, watched live.
Live position · forward daily
LiveAccount 4412
£1,284
today · +£38 ↺
£1,982
14 Feb · projected
Across the book
Account 2203steady ✓
Account 5561steady ✓
Account 7719 · dip aheadflagged 6 wks early
re-settles as transactions land
flags fire on the projection
Manage
Rendered in your app. Calm, and yours.
Money
your app
Safe to spend
£412 this week
on track ✓Upcoming · seen ahead
Energy DD · 12 Jan−£96 · forecast
Rent · 1 Feb−£1,150 · scheduled
Bills · committed£1,656
Everyday spend£620
Set aside£240
£81 predicted left this cycle
set it aside →
your UI · our number underneath
The decision, made on the real position.
At application: true income, committed cycles, and the applicant's position on every due date in the schedule.
Explore Analyse →Cashflow report
PDFApplicant 4412
Rent · s.o. · 1st−£1,150
Car finance · 15th−£410
Energy DD · 12th−£96
True free cash£1,284 /mo
Every due date, checked12 / 12 clear ✓
Applicant_4412.pdf · JSON available
01 / 06
Instant
at application
12 months
forward · to the day
JSON · PDF
straight into your flow
The number that moves as life happens.
A continuous feed keeps every position live and forward, and flags fire on the projection, not the missed payment.
Explore Forecast →Live position · forward daily
LiveAccount 4412
£1,284
today · +£38 ↺
£1,982
14 Feb · projected
Across the book
Account 2203steady ✓
Account 5561steady ✓
Account 7719 · dip aheadflagged 6 wks early
re-settles as transactions land
flags fire on the projection
Always on
re-settles as transactions land
Weeks
of warning before a miss
Any day
read the position forward
Your app. Our number underneath.
Drop-in money-management widgets rendered in your UI, powered by the same daily engine.
Explore Manage →Money
your app
Safe to spend
£412 this week
on track ✓Upcoming · seen ahead
Energy DD · 12 Jan−£96 · forecast
Rent · 1 Feb−£1,150 · scheduled
Bills · committed£1,656
Everyday spend£620
Set aside£240
£81 predicted left this cycle
set it aside →
your UI · our number underneath
Widgets
drop into your app
1 figure
true free cash · daily
Yours
white-label · you render
One engine · three levels
Transaction level.
Every transaction is read for everything it carries: counterparty, category, amount, and its cycle. What recurs, when it's next due, what's committed.
Customer level.
Every cycle aggregates into one live customer position: true income, committed outgoings, and true free cash, today and on any future day.
Decision level.
One decision-grade figure, delivered into your flow: JSON for your systems, PDF for your underwriters, re-settled as life happens.
Octopus Energy
ENERGY DD
↻Monthly · 12th
next payment: 12 Jan ✓
Thursday
12 December
−£96.00
L1: Bills
L2: Energy · committed
True free cash
£0
per month · resolved daily
£2,940
−£1,656
>98%
The most precise forward free-cashflow model on the market
Accuracy
98% accurate market-leading forecasting
Security
SOC 2 and GDPR compliant
Reliability
99.99% up-time SLA guarantee
Flexibility
Robust, secure and customizable integration
Pouch across industries.
one prerequisite everywhere · categorised transactions
Judge it on your own book.
Your anonymised data through the full engine · minimal lift on your side.