Harborne analyses your cash position continuously, reduces exposure to risk in real time, and reports performance daily so decisions are never made on stale information.
Start OptimizingTraditional treasury management reacts to the past. Monthly statements tell you where cash sat last period, not where it could be working today. By the time a spreadsheet reflects a shift in rates or liquidity needs, the opportunity has often already passed.
Harborne replaces that lag with continuous, predictive analysis. Our models track market and liquidity signals as they develop, flag where capital is under-utilised, and surface opportunities that manual review typically misses. The result is a measurable shift from idle cash to working capital, without exposing the business to decisions it has not reviewed.
Three linked processes run continuously in the background, each feeding the daily report that lands with your business every morning.
Models trained on liquidity and rate movements forecast where cash is best positioned over the coming days, rather than reacting once a shift has already occurred.
Exposure limits are checked continuously. If a position moves outside your agreed tolerance, the system flags it immediately and adjusts within the boundaries you have set.
Available balances are mapped against short-term obligations so surplus cash is identified the same day it becomes available, not weeks later.
Performance is reported every working day, not summarised after the fact. Each report covers what moved, why the model acted, and what remains under review.
Market and liquidity data from the previous day are processed and compared against your current cash position.
A concise summary is delivered before the start of business, showing allocation changes, risk flags, and net performance.
Any action outside agreed thresholds is held for sign-off rather than executed automatically.
Dashboard preview
Your daily report presents current allocation, the previous twenty-four hours of movement, and an explanation of any risk guardrail that was triggered. There is no delay between what the system did and what you are shown.
Why it matters
Directors making capital decisions need to see the reasoning behind a position, not just its outcome. Daily reporting keeps that reasoning visible throughout the month, not only at its close.
Harborne ingests account and transaction data through encrypted, read-only connections to your existing banking providers. No credentials are stored, and data at rest is encrypted separately from the models that analyse it.
Every recommendation produced by the model passes through a human-in-the-loop review before it is actioned. This keeps strategic judgement with your team while the AI handles the volume of continuous data that manual review cannot realistically cover.
Read-only, encrypted feeds from your banking providers; no stored login credentials.
Encryption at rest and in transit, with access limited to the systems that require it.
A human review step on every material recommendation, keeping the model aligned to your risk appetite.
Smarter decisions by tomorrow morning. Connect your accounts, set your risk tolerances, and receive your first daily report within one business day.