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Plonvir - financial liquidity analysis panel used by the company
Optimization of working capital

Your company's cash surpluses no longer wait for management decisions

Plonvir analyzes cash flows in real time and recommends the allocation of free funds before they become frozen capital. No transaction is charged a commission.

Optimize your capital See the decision-making process

The analysis preview shows the current allocation of funds according to the availability horizon and the recommended allocation of surpluses for the next settlement period - without operator intervention in the standard mode.

The mechanics of operation

A commission-free model and analysis that never sleeps

Two pillars distinguish Plonvir from traditional cash management: no transaction costs and continuity of analysis independent of the working hours of the finance team.

Zero commission on transactions

No transaction carried out under the Plonvir recommendation is charged with a transaction fee. The entire result remains on your company's balance sheet, regardless of the number of decisions made in a given month.

Continuous analysis, 24 hours a day

The model monitors cash flow and market conditions continuously, eliminating the delays that result from manually reviewing balance sheets once a week or once a month.

Predictive surplus allocation

The system forecasts short-term cash needs and suggests investing free funds before they become capital without an assigned function.

The decision is always yours

AI recommendations are subject to approval by a designated person in the company. The model provides analysis and proposal, it does not take over the decision-making mandate of the finance team.

Plonvir - An analytical team working on predictive models for business
Approach

An analytical tool, not an investment machine

Plonvir was created for companies that have cash surpluses but do not have an internal team for daily market analysis. The AI ​​model processes a company's financial data and market signals and then presents recommendations in a language that is understandable to a financial manager, not just a quantitative analyst.

Each recommendation contains a description of the assumptions, time horizon and risk level - so that the final decision can be made consciously, and not based on the numerical recommendation alone.

Process

From financial data to action recommendations

Implementation does not require changing the accounting or company banking system. Data is imported and analysis starts automatically in a set cycle.

1

Data integration

The company provides statements and operating accounts. Plonvir imports flow history without manual data entry.

2

Analysis of liquidity patterns

The algorithm identifies cyclical cash surpluses and shortages based on historical data and current liabilities.

3

Allocation recommendation

The system presents a proposal for investing surpluses tailored to the risk profile and time horizon accepted by the company.

4

Monitoring and correction

Items are revised in response to changes in cash flow, and recommendations are updated in the next analysis cycle.

Risk and safety of capital

Limiting exposure, not promising no exposure

The safety of working capital depends on the transparency of assumptions, not on a declaration of no risk. Plonvir does not guarantee profit or eliminate market risk - it limits exposure by diversifying liquidity horizons and limits set together with the person responsible for finance in the company.

Each recommendation contains a description of the risk level and the liquidity horizon of the funds, thanks to which the final decision remains with the finance team and not solely with the model.

Exposure limits can be changed at any time - the model adapts subsequent recommendations to new parameters from the next analysis cycle.

Division of capital according to the availability horizon

The exposure panel shows what part of the funds remains fully mobile and what part is invested in instruments with a longer horizon - allowing you to assess the company's readiness for a sudden need for cash.

Available immediately
Weekly horizon
Monthly horizon

The proportions are determined individually based on the limits accepted by the company.

Applications

Three situations in which a cash surplus changes its nature

The following scenarios describe typical business situations in which the time taken to make a decision has a direct impact on the company's financial result.

Seasonal cash surplus

A trading company with a pronounced seasonality of sales accumulates a significant surplus of funds after the season, which usually remains in the current account until further purchases of goods. Plonvir analyzes payment deadlines to suppliers and proposes an allocation tailored to this calendar.

Observed effect

  • Shortening the period during which funds remain without an assigned function.
  • Placement dates tailored to supplier payment schedules.

Provision for planned investment

A manufacturing company plans to purchase a machine or expand its plant within 6-12 months. Funds reserved for this purpose cannot be frozen in long-term instruments. The model selects the allocation so that full liquidity is maintained at the moment of investment implementation.

Observed effect

  • Full availability of funds on the date of the planned investment decision.
  • Take advantage of the waiting period without jeopardizing the completion date.

Capital management during growth

A company increasing the scale of its operations operates with a growing volume of cash flows, which, under the traditional commission model, would mean increasing transaction costs. In the Plonvir model, the transaction cost remains zero regardless of the operation volume.

Observed effect

  • No additional transaction costs as the scale of operations increases.
  • The analysis scales with the growing number of accounts and flows.
Questions and answers

Technical and financial issues reported most often

Does Plonvir actually charge no commissions?

The Plonvir model does not charge a transaction commission on recommended operations. The company's revenue comes from a source other than fees from a single transaction, which allows for a zero-cost structure on the trading volume side.

How does AI make capital allocation decisions?

The model analyzes the company's cash flow history, current liabilities and market data, and then generates a recommendation along with a description of the risk and time horizon. The final decision requires the approval of a designated person on the company's side.

Is there a risk of capital loss when using Plonvir?

Yes - no form of investing is free from market risk. Plonvir limits exposure through limits and diversification of horizons, but does not guarantee results or protect capital against loss.

How long does it take to integrate company financial data?

The implementation time depends on the number of accounts and the format of the company's accounting data. The integration process takes place without the need to change the existing company banking system.

Are AI recommendations binding on my company?

NO. The recommendations are advisory in nature - each operation requires approval by the person responsible for finance in the company, in accordance with previously established exposure limits.

Each day of delay in the allocation of surpluses is an opportunity cost that is difficult to recover

Start analyzing your company's financial flows and check how much of your working capital is currently unassigned.

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