Navira Renavo continuously analyzes your company's cash surplus and proposes investment strategies that automatically adjust to your risk tolerance level, without requiring prior financial training.
Explore optimizationMany small and medium-sized businesses accumulate cash surpluses out of prudence, not strategy. The balance remains in underperforming accounts while financial managers spend hours on spreadsheets that age before they are complete.
This is not a management error, but rather a limitation of time and tools. Manually analyzing market volatility, crossing it with the liquidity needs of the business and deciding judiciously requires a dedication that few small structures can afford.
The result is not a visible loss, but an opportunity that does not materialize: capital that could generate additional profitability without compromising the company's daily operations.
Navira Renavo does not replace your judgment: it accompanies it. Every recommendation you receive is accompanied by the data and assumptions behind it, so you can understand the why before deciding the what.
The system records your previous decisions and uses them to calibrate future proposals, so the platform adapts to your company instead of proposing a generic model.
The relationship with your financial data remains under your control at all times, with read-only access to connected accounts and no ability to execute transactions without your express authorization.
Three capabilities work together to transform cash surplus into a variable managed with the same discipline as the rest of your financial operations.
The system projects the probable evolution of its treasury based on historical movements and already known commitments, identifying in advance the liquidity tranches that could be used for investment without affecting daily operations.
Artificial intelligence watches how you respond to each proposal—what you accept, what you reject, and under what conditions—and uses that information to progressively adjust the risk profile of subsequent recommendations, without you needing to configure it manually.
Changes in the market or in the company's cash position are immediately reflected in the recommendations panel, so that decisions are made on the current situation and not on a report closed days before.
The implementation has been designed so that a financial officer without technical experience can complete it without external assistance.
Connect your bank accounts and accounting tools using read-only encrypted access. No IT intervention or additional software installation is required.
The model studies the liquidity cycles of your business during an initial period and asks you a first set of questions about your risk tolerance and investment horizons.
Each recommendation is subject to your approval. You decide which proposals to execute and at what volume, while the system learns from each decision to refine the next ones.
Three common scenarios among companies that manage cash surpluses on a recurring basis.
Situation Stable and recurring balance without a defined destination during several months of the year.
Action Progressive allocation to low-risk and liquidity instruments compatible with the payment schedule.
Result Additional profitability on capital that previously remained inactive, without straining operating cash.
Situation Investment forecast in new markets within 12 to 18 months.
Action Investment strategy with horizon and liquidity adjusted to the expected execution date.
Result Capital available when needed, having generated returns while waiting.
Situation Indirect exposure to exchange rates or raw materials that affects margins.
Action Coverage recommendations adjusted to the risk threshold defined by the company.
Result Less variability in the quarterly financial result without constant manual intervention.
The doubts that financial managers most frequently ask us before integrating the platform.
The data is transmitted via encrypted connection and is used exclusively to generate your recommendations. Access to connected accounts is read-only: Navira Renavo cannot move funds or modify banking information. You can revoke access at any time from your financial institution's dashboard.
The system acts as a co-pilot, not a black box. Each proposal includes the input data considered, the level of associated risk and the general reasoning that supports it, so that the final decision always rests with the user and not in an opaque process.
No. The recommendations are adjusted to the liquidity terms that you previously define, so that the capital destined for investment never compromises the company's short-term payments and obligations.
If your company maintains stable liquidity during several months of the year, it may be worth knowing how Navira Renavo analyzes it and puts it to work with risk criteria defined by you.