Branmolore applies predictive analytics to your working capital, modelling short-term risk and liquidity needs continuously, so surplus cash can be deployed without sacrificing same-day access.
A continuously updated model of market volatility and your cash position underpins every recommendation — visualised as a live liquidity curve, not a static forecast.
Most business owners keep a buffer of working capital in an instant-access account, reasoning that flexibility matters more than yield. That reasoning is sound, but it carries a cost that rarely appears on a balance sheet: inflation erodes the purchasing power of idle funds every month they sit unused.
The conventional alternative — fixed-term deposits or notice accounts — solves the yield problem but reintroduces the original fear: capital locked away precisely when it might be needed. Branmolore was built to remove that trade-off, using predictive modelling to keep capital both productive and reachable.
A forecasting model monitors short-term market volatility alongside your account activity, estimating how much of your balance is genuinely idle versus likely to be drawn down within days. This distinction, rather than a flat percentage rule, determines how much capital is put to work at any given moment.
Every position is re-evaluated against current market conditions on a rolling basis, rather than on a fixed review cycle. If volatility rises, exposure is reduced automatically and the liquidity buffer is widened, so the model adapts to conditions as they change rather than reacting after the fact.
Because risk modelling runs continuously rather than at fixed intervals, withdrawal requests are processed against an already-current assessment of your position. The result is low-latency access to funds without the delay typically associated with reconciling risk exposure after a request is made.
We deliberately avoid presenting outputs without their reasoning. Each recommendation can be traced back through three visible stages, so you are evaluating a documented process rather than taking a model's word for it.
Account balances, transaction cadence, and relevant market data feeds are collected and normalised into a single working dataset, updated throughout the trading day.
The model identifies recurring liquidity patterns specific to your business — seasonal drawdowns, payment cycles, and volatility correlations — rather than applying a generic template.
Findings are translated into a plain-language allocation suggestion, with the underlying confidence level and assumptions shown alongside it, not hidden behind the figure.
Smaller finance teams often lack the headcount to actively manage surplus cash. Branmolore automates the ongoing analysis, reducing cash drag without requiring a dedicated treasury function.
For investors holding cash between allocations, the platform flags rebalancing windows based on modelled volatility, supporting more deliberate entry and exit timing.
Businesses with predictable payment cycles can set a minimum buffer with confidence, as the model accounts for historical drawdown patterns rather than a static contingency figure.
Branmolore was developed around a simple observation: most liquidity tools ask you to choose between access and yield, when the real constraint is visibility. Our models exist to make that trade-off smaller, not to eliminate the need for judgement entirely.
We publish the reasoning behind every recommendation because we expect our users — finance leads, owners, and sophisticated investors — to interrogate it, not simply accept it.
Read more about our approach
Account and transaction data are encrypted in transit and at rest, and access is restricted on a least-privilege basis. Our data handling practices are aligned with UK GDPR requirements, and we do not share client data with third parties for marketing purposes.
Funds allocated through Branmolore are held in instruments assessed for same-day liquidity. Because the risk model runs continuously, a withdrawal request is matched against an already-current liquidity position, rather than triggering a fresh assessment on request, which is what removes the delay associated with traditional notice periods.
You can request deletion of your account data at any point after closure, subject to the minimum retention periods required under UK financial record-keeping obligations. We will confirm what is retained and for how long before any account is closed.
Onboarding typically involves connecting your existing business account for read access to transaction data; no custom integration work is required on your side. A member of our team will confirm the exact steps during your demo.
Onboarding is designed to be straightforward: connect your account, review the model's first recommendation, and decide from there whether to proceed. There is no requirement to commit capital before seeing how the platform assesses your position.