Greendz is a decision-support platform for UK SMEs holding £50k to £2M in operating buffers. It analyses cashflow, VAT cycles and GBP yield conditions, then recommends a liquidity-first allocation — and logs every recommendation for community verification.
Illustrative system output. Shows how the engine weights access against return.
| Tranche | Horizon | Risk band | Role |
|---|---|---|---|
| Operating buffer | 0–30 days | A · Instant | Payroll & suppliers |
| Tax reserve | 1–9 months | B · Timed | VAT / Corporation Tax |
| Surplus | 6–12 months | C · Managed | Yield optimisation |
Architecture specimen only. Allocations adapt to Bank of England base-rate sensitivity and your cashflow variance.
Many directors keep excess working capital in low-interest current accounts. The reasoning is sound: payroll must clear, HMRC deadlines are fixed, and many investment products lack transparency on access times and downside.
The result is a trade-off that is rarely modelled. Funds earmarked for Corporation Tax or a VAT quarter sit idle for months, while finance teams lack a disciplined way to separate what must remain instant-access from what could be allocated with care.
Greendz addresses that gap as a risk-management tool first. It quantifies your required liquidity buffer from actual inflows, outflows and seasonality, then analyses whether a portion of reserves can be positioned more productively within defined guardrails.
Read our methodology| Approach | Liquidity clarity | Oversight |
|---|---|---|
| Idle current account Default for many SMEs | High access, no buffer modelling. Tax and operating cash mixed. | Bank statements only. No audit of foregone yield or timing risk. |
| Opaque advisory product Bundled fees, limited disclosure | Notice periods often unclear. Penalties for early withdrawal. | Recommendations rarely published or independently checkable. |
| Greendz optimisation Read-only analysis + guardrails | Tranched buffer: instant, timed, managed. Access dates tied to liabilities. | Every output logged with model ID and variance for public review. |
Comparison describes structural differences, not promised returns. Capital remains under your control at all times.
For founders and finance directors who need evidence, not encouragement. Review assumptions, inspect the ledger, and test against your own Xero or FreeAgent history before any allocation.
The core of Greendz is the public performance ledger. Each model run — inputs, risk band, recommended allocation and subsequent variance — is written to an append-only log with cryptographic hashing. Community reviewers and client finance teams can confirm that historical accuracy has not been edited after the fact.
| Timestamp (UTC) | Model ID | Risk band | Recommendation hash | Verified variance |
|---|---|---|---|---|
| 2026-10-28 09:14 | GB-MACRO v4.2.1 | A · Instant | a3f9…c41d | ✓ MATCHED ±0.04 |
| 2026-10-21 09:14 | GB-LIQ v3.8.0 | B · Timed | 77b2…9e0a | ✓ MATCHED ±0.11 |
| 2026-10-14 09:14 | GB-MACRO v4.2.0 | C · Managed | e1c4…52bb | ✓ REVIEWED ±0.18 |
| 2026-10-07 09:14 | GB-FX v2.5.3 | B · Timed | 94de…b703 | ✓ MATCHED ±0.06 |
Specimen illustrates log structure. Company identities are never published; entries contain anonymised model metadata only.
View the full public repository →Analysis runs in three auditable stages. You can inspect inputs and thresholds at each step, rather than receiving a single score.
Read-only connection to Xero, FreeAgent or Open Banking feeds. The system maps payroll, supplier cycles, VAT quarters and Corporation Tax dates to calculate a minimum instant-access buffer plus a timing cushion.
Real-time assessment of GBP money-market conditions, Bank of England base-rate expectations and short-dated yield spreads. Forecasts are expressed as ranges with confidence intervals, not point predictions.
Surplus above the buffer is tranched by access date. Automated guardrails pause reallocation if volatility breaches set limits or if projected liquidity falls below cover. You approve every movement.
No testimonials, no invented returns. These are structured examples of how different cash profiles use the same discipline.
A services firm with lumpy quarterly billing ring-fences nine months of tax liabilities. Timed tranches mature ahead of HMRC dates; only confirmed surplus is considered for managed allocation.
An early-stage company with 14 months of runway separates payroll cover from longer-dated surplus. Downside protection prioritises capital preservation over yield, with strict drawdown limits.
A distributor invoicing in GBP and EUR models FX timing risk alongside supplier payments. Hedging analysis focuses on reducing variance in sterling costs, not speculation.
Ledger entries contain only model version, timestamp, risk band, hashed recommendation and aggregate variance. Company names, account numbers, balances and transaction details are never written to the public log. Private inputs remain encrypted and permissioned to your workspace.
Confidence intervals widen and recommended managed allocations reduce automatically. If volatility exceeds pre-set thresholds, the engine pauses new timed allocations and defaults to instant-access positioning. All such interventions are also logged, including the reason code.
You do. Greendz is decision support, not custody. Instant tranches target same-day access, timed tranches align to known liabilities such as VAT or Corporation Tax, and managed tranches carry defined notice periods shown before approval. No movement occurs without your explicit confirmation via your bank.
Via read-only Open Banking APIs and certified Xero and FreeAgent connections. The platform cannot initiate payments or modify accounting records. You can disconnect feeds at any time, export your history, and request deletion under UK GDPR.
Upload or connect read-only data for a retrospective simulation. You will receive a tranched buffer map, guardrail settings and a ledger reference you can verify — before any live decision.