Liquidity decisions you can explain, defend and repeat.
Greendz is decision support for UK SME treasury. We model your cash position, apply explicit risk guardrails, and keep a publicly verifiable log — so reserve choices stay prudent, documented, and under your control.
How reserves are structured
Illustrative structure. Your bands are set from your payables, payroll and volatility.
| Band | Purpose | Access |
|---|---|---|
| Operating | Near-term bills & payroll | Immediate |
| Buffer | Variability & late payers | Short notice |
| Strategic | Planned surplus only | Modelled |
Decision support only; not financial advice. You approve every allocation.
Built to prevent the three most common treasury mistakes.
Most SME reserve problems are not about finding yield. They are about timing, concentration, and lack of documentation. Our methodology addresses each directly, without adding complexity to your finance routine.
| Common failure | How Greendz responds |
|---|---|
| Cash locked when needed Surplus placed without reference to upcoming outflows. | Every suggestion is checked against modelled payables, payroll dates and a buffer you set. If cover is thin, we recommend holding back. |
| Unclear rationale Decisions made in spreadsheets or inboxes. | Each model output includes inputs, assumptions and limits applied, so you can review and explain it later. |
| Unverifiable claims Tools that report past performance without proof. | Model behaviour is recorded in a structured, publicly verifiable log. What we show is what was modelled. |
What we will not do
To keep the system trustworthy, we keep clear boundaries:
— We do not move money automatically.
— We do not provide financial advice or recommend specific products.
— We do not optimise for yield at the expense of liquidity cover.
— We do not obscure assumptions behind a score.
If it matters, it should be checkable.
Trust in treasury tooling should not rely on marketing. Our performance logs use a consistent format with timestamps, model version, inputs hash and outcome — structured so an independent reviewer can confirm continuity.
| Run ID | Scope | Guardrail check | Status |
|---|---|---|---|
| run-2026-041a | Liquidity cover · 30d | Buffer intact | ● VERIFIED |
| run-2026-041b | Buffer sizing · stress | Late-payer scenario applied | ● VERIFIED |
| run-2026-041c | Allocation draft | Held — cover below limit | ● VERIFIED |
Three steps, repeated each cycle.
Our process is intentionally narrow. It does one job — help you hold the right cash in the right place — and leaves execution and advice to you and your advisers.
Model liquidity
We map expected inflows and outflows in GBP, including payroll, VAT, supplier terms and seasonal variation you describe. The output is a cover view, not a forecast promise.
Apply guardrails
You set minimum buffer levels, maximum lock-up periods and concentration limits. The model must respect them. If a draft breaches a limit, it is held and explained.
Log and review
Inputs, version and result are written to the verifiable log. You review the rationale, approve or reject, and revisit as conditions change.
Why teams switch from spreadsheets and generic AI tools.
Spreadsheets are flexible but fragile: formulas break, versions diverge, and rationale is lost. Generic AI chat tools are fluent but unverifiable: they cannot enforce treasury limits or prove what they modelled.
Greendz sits between: structured like good finance control, readable like a clear memo, and logged like an audit trail. You keep judgement; we provide structure and evidence.
Greendz vs. alternatives
| Capability | Greendz | Spreadsheet alone | Generic AI assistant |
|---|---|---|---|
| GBP cash-flow modelling | Purpose-built, with buffer logic | Manual, error-prone | General text, no treasury structure |
| Explicit guardrails | Required before any suggestion | Not enforced | Not enforced |
| Documented rationale | Inputs + limits + outcome saved | Often missing | Conversation only |
| Verifiable log | Structured, checkable record | No | No |
| Control | You approve every step | You control, but with effort | Unclear provenance |
Methodology questions, answered plainly.
Is Greendz financial advice?
Do you move or hold our money?
What do you need from us to start?
How do verifiable logs work?
See if the methodology fits your treasury.
Bring a recent cash-flow pattern and your current buffer rule. We will walk through how it would be modelled, guarded and logged — with no obligation.
Prefer to read first? See Use Cases and FAQ.
Model your reserves