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Three Modules. One Platform.
Complete Financial Intelligence.
Forecast cash. Ring-fence tax. Act with confidence. Built specifically for UK sole traders and micro-businesses.
See your cash 52 weeks ahead.
AI-powered forecasting that learns your business rhythm — from how each client actually pays to your seasonal patterns.
- 13-week rolling forecast with weekly updates (Starter)
- 52-week extended forecast with scenario modelling (Growth & Pro)
- Per-client payment delay prediction
- Seasonal cash rhythm detection — specific to your business
- Cash shortfall alerts up to 12 weeks in advance
- "What if?" scenario builder
- Connects to Xero, QuickBooks, FreeAgent, Sage & Open Banking
Never face a tax shock again.
Real-time tax calculation on every transaction, automatic ring-fencing, and one-click HMRC MTD submissions.
- Connects directly to HMRC MTD ITSA API
- Real-time income tax calculation on every transaction
- Class 4 NI and VAT ring-fencing
- Quarterly MTD submissions — one click to file
- Year-end self-assessment export
- Tax calendar with countdown to quarterly deadlines
Always know your next move.
Don't just watch your numbers — act on them. Every week, three to five specific actions ranked by impact.
- Weekly prioritised action list — 3 to 5 specific tasks
- Invoice chase recommendations with payment timing predictions
- Expense deferral suggestions to bridge cash gaps
- Automated payment reminder sequences
- Financial health score — updated weekly
- Client risk scoring
The Behavioural Financial DNA Engine
Every business has a unique financial fingerprint. CLARIVANCE AI learns yours.
Client Payment Profiling
Learn how each customer actually pays — not just their stated terms.
Seasonal Rhythm Detection
Detect quarterly, monthly and weekly cycles unique to your business.
Unified Cash + Tax Timeline
One forecast that combines what you'll earn and what you'll owe HMRC.
Early Crisis Detection
Spot cash crunches up to 12 weeks before they hit — with time to act.