B2B Treasury & Investment Intelligence

Idle company cash should be working, not waiting.

Thryvin analyses your operational cashflow, models downside risk, and supports measured treasury decisions — with zero commission on every trade, so your business retains what it generates.

Analyse Your Cash Reserve Explore the Fee Structure

Designed for UK limited companies and SMEs. Director approval required for every action. No trading fees.

Thryvin Treasury Overview Live analysis

Safe to deploy£38,400

Buffer protected£21,600

Risk ratingLow-volatility

Payroll cover

92%

VAT reserve

88%

Deployable

64%

Rebalance recommendation — short durationReview

Trade commission£0.00

Entry / exit fee£0.00

Custody drag£0.00

Illustrative layout. The AI recommends — the director approves.

The Working Capital Dilemma

Payroll and VAT come first. Surplus cash comes second.

Before committing capital, you need certainty on upcoming liabilities. Most directors hold larger cash buffers than necessary because forecasting payroll, Corporation Tax and VAT quarters manually takes time and leaves little margin for error.

At the same time, leaving the full reserve in a business current account means inflation steadily reduces its purchasing power. Traditional brokered routes can help, but per-trade commissions and custody charges often outweigh the benefit when you are adjusting modest surpluses over short horizons.

Thryvin was built for that specific tension: protect what the business must retain, then provide clear, data-backed options for what could be deployed.

How treasury options compare

Focused on liquidity clarity, risk insight and execution cost.

Approach	Liquidity analysis	Execution cost
Unallocated Business Current Account	Limited No separation of buffer and surplus. Manual spreadsheets.	No trading cost, but cash loses real value while idle.
Traditional Brokered Treasury	Partial Advice-led, periodic reviews. Limited real-time forecasting.	Per-trade commission plus entry, exit and custody charges.
Thryvin AI Decision Platform	Continuous AI cashflow modelling, buffer isolation and predictive risk scoring.	£0 commission Zero trade, entry, exit and custody fees. You retain generated gains.

What the platform does

Three focused capabilities for treasury decisions

Each pillar addresses a question directors ask before acting: how much is safe, what is the risk, and what will it cost to act.

01 — Liquidity

Cashflow & Liquidity Modelling

AI analysis of operational inflows and outflows to determine safe deployable capital after payroll, supplier and tax commitments.

Isolates a protected cash buffer for near-term liabilities
Forecasts seasonal and quarterly payment pressure
Updates as invoices, payroll and HMRC dates change

02 — Risk

Predictive Market & Risk Scoring

Real-time processing of macroeconomic and asset-level data to surface lower-volatility opportunities suited to short horizons.

Downside-risk scoring for capital preservation
Scenario testing for rate and market movements
Clear rationale shown alongside each recommendation

03 — Execution

Zero-Fee Execution Engine

Direct action on tailored recommendations with £0 commission and full retention of gains inside your business.

£0 trade commission on all treasury adjustments
Rebalance without penalty when forecasts change
Director approval required before any movement

Methodology

How Thryvin Supports Treasury Decisions

A transparent workflow that keeps operational cash protected and every recommendation traceable to data you can review.

Data Ingestion & Cash Buffer Isolation

Connect accounting and banking inputs. The model separates funds needed for payroll, VAT and Corporation Tax from potential surplus.

Real-Time Predictive Scenario Analysis

Market, rate and volatility data are processed continuously to test how short-horizon allocations behave under stress.

Tailored Allocation Recommendations

You receive options matched to your time horizon and risk tolerance, each with assumptions and downside estimates explained.

Zero-Fee Execution & Continuous Monitoring

Approve an allocation and execute at £0 commission. Positions are monitored, with alerts if liquidity needs shift.

In practice

Practical Treasury Scenarios

Illustrative examples showing how directors use the platform around normal UK business cycles. Figures are for explanation only.

90-day horizonCapital preservation

Holding Corporation Tax & VAT Reserves

A services company holds £50,000 for upcoming HMRC liabilities. The priority is availability, not maximising return.

Buffer locked for tax dates and payroll cover
Strict downside-risk modelling on any surplus portion
Recall alerts ahead of payment deadlines

Illustrative example: £50,000 reserve, 90-day horizon. No return implied.

Between contractsNo broker drag

Post-Project Surplus Capital

A consultancy retains profits between client engagements. Frequent small adjustments would be uneconomic under per-trade fees.

Surplus identified after buffer isolation
Rebalancing without commission as forecasts update
Gains retained fully within the company

Illustrative example: retained profits held between projects. No return implied.

SeasonalLiquidity alerts

Seasonal Buffer Management

A retailer balances stock purchases with quieter trading months. Cash needs shift quickly with inventory cycles.

Automated alerts when cover falls below threshold
Short-horizon options matched to restocking dates
One-screen view of available vs. committed cash

Illustrative example: seasonal working capital cycle. No return implied.

About Thryvin

Decision support built around directors, not dealers

Thryvin is a data-intelligence platform for business treasury. It brings together cashflow analysis, predictive risk modelling and execution in one place, so smaller finance teams can make considered decisions without managing multiple intermediaries.

Focus on downside protection and liquidity before yield
Plain-English rationale for every recommendation
Zero trade commission to support frequent, measured adjustments

The platform supports strategic, financial and investment decisions with measurable inputs and continuous monitoring. Final authority remains with the company director.

Review the Decision Model

Thryvin team reviewing treasury analytics for UK small businesses

Fee transparency

Why Zero Trade Fees Matter to Cumulative Returns

When deploying modest surpluses across short time horizons, transaction costs matter more than headline performance. A £12 or £15 commission on each adjustment, plus custody percentages, can absorb the entire benefit of a cautious treasury position.

Zero trade fees change that calculation. You can act on real-time rebalancing recommendations — reducing exposure, extending duration slightly, or recalling cash — without weighing whether the fee outweighs the move.

The platform operates on a transparent business plan basis rather than per-trade charges. Execution itself carries no commission, no entry or exit fees and no custody drag. Any third-party market spreads that apply to underlying instruments are shown before you approve.

Keep 100% of generated gains inside your business

No commission deductions. No share of profits taken at execution. What your allocation generates remains company capital.

Charge	Thryvin
Trade commission (buy / sell / rebalance)	£0
Entry fees	£0
Exit fees	£0
Custody / holding drag	£0
Profit share taken on gains	0% — you retain 100%

Illustrative comparison for decision-making. Traditional broker charges vary by provider. Thryvin does not charge per-trade commission on treasury execution.

Questions

Common Questions from Business Owners

Straightforward answers on safety, control, access and data. For full detail, see our FAQ page.

View All FAQs

How does the AI determine how much of my cash is safe to deploy?

It analyses inflows, outflows, payroll runs, supplier patterns and upcoming Corporation Tax and VAT dates to isolate a protected buffer first. Only capital above that buffer is considered deployable, and the buffer adjusts as new invoices or liabilities appear.

Are there genuinely zero fees on trades, and how does Thryvin sustain the platform?

Yes — trade execution carries £0 commission, with no entry, exit or custody charges. The platform is sustained through transparent business plans rather than per-trade deductions, which means rebalancing or recalling cash does not incur a penalty fee.

Do I retain full control over every financial and investment decision?

Fully. Thryvin provides analysis and tailored recommendations with stated assumptions. No funds move without explicit director approval, and you can amend, pause or decline any recommendation.

How quickly can I recall capital if my business faces an unexpected expense?

Liquidity is central to every recommendation. Horizons are matched to your cash needs, recall options are shown before you approve, and monitoring alerts flag when projected cover approaches your chosen threshold so you can act early.

How is our company's financial data protected and analysed?

Data is used solely to provide treasury analysis and is handled under UK data protection requirements with controlled access and encryption in transit and at rest. Analysis is performed on aggregated cashflow patterns, and you control what sources remain connected.

Get clarity on your reserve

Understand what your cash could do, before you commit it.

Request a cash reserve assessment. We will review your buffer requirements, time horizon and risk tolerance, and show how the decision model would treat your position. No obligation to deploy capital.

No trading fees. Full director control. Designed for UK limited companies and SMEs.