Quantunix analyses your bank feeds and transaction history to identify idle balances, then proposes allocation strategies calibrated to your risk tolerance — built for UK SMEs managing inflation pressure and unpredictable cash flow.
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Quantunix builds a working model of your business's risk tolerance from bank feeds, historical reserves, and seasonal spending patterns. As conditions shift — a slow quarter, an unexpected invoice, a change in reserves — the model recalibrates dynamic thresholds rather than applying a fixed rule set.
Each capability addresses a distinct question a finance lead asks before committing surplus cash: where the gaps are, how exposed the business is, and what to do next.
Quantunix forecasts liquidity gaps by modelling receivables, payables, and seasonal drawdowns against twelve months of transaction history. This gives finance leads advance notice before a shortfall becomes a decision made under pressure.
Holdings are stress-tested against historical UK market volatility and interest-rate scenarios drawn from public indices. The output is a plain assessment of how much of your surplus could be exposed under specific downside conditions.
When surplus cash is identified, Quantunix surfaces a short list of reinvestment options with expected liquidity impact attached. Decisions that once required a spreadsheet and a phone call to an adviser take minutes instead.
We set out the mechanics deliberately, because a recommendation you cannot trace is a recommendation you should not act on.
Read-only bank feed connections and accounting exports are ingested through encrypted channels. No payment or transfer permissions are ever requested.
Cash movements are compared against your own history and against UK market indices, identifying recurring patterns and periods of elevated volatility.
The system proposes a tailored allocation split — how much stays liquid, how much moves to lower-risk instruments — with the reasoning shown alongside each figure.
The scenarios below reflect the type of situation Quantunix is built to support — not guaranteed outcomes, but representative decision points.
A retail business collects most of its revenue in a six-week peak, then holds a large balance through a quieter period. Quantunix identifies the portion of that balance unlikely to be needed within 30 days and proposes a short-term allocation, rather than leaving it static in a current account.
A business holding £250,000 in retained earnings needs to preserve 30-day liquidity while limiting the effect of inflation on the remainder. Quantunix models the split between accessible reserves and longer-horizon allocation, adjusting the boundary as the business's own cash cycle changes.
Where a business has exposure to rate or currency movement — through supplier contracts or receivables — Quantunix flags the exposure and stress-tests it against recent volatility, giving the finance lead a basis for deciding whether to hedge or hold.
These are the questions most often raised by finance leads before connecting a bank feed to any third-party system.
Bank connections are read-only and encrypted in transit and at rest. Quantunix never requests payment initiation or transfer permissions, and access can be revoked from your banking provider at any time.
Most businesses connect their primary bank feed and accounting software within a single working day. The model then requires a short observation period, typically several weeks, before its recommendations reflect the full shape of your cash cycle.
No. Quantunix produces recommendations and shows the reasoning behind them; it does not execute transfers or investment decisions. Final approval rests with your finance lead or business owner at every stage.
A Risk Tolerance Assessment takes a working look at your reserves, your cash cycle, and where surplus capital could be doing more without compromising liquidity.