AI-led insight for the cash your business isn't using yet
Henbury reviews your account data, cash flow patterns and current market conditions, then highlights where idle funds could be working harder, in plain language you can act on.
Explore the platformNo minimum deposit. No lock-in periods. Your data stays encrypted and under your control throughout.
A lower barrier to entry, not a lower standard of analysis
Many cash management tools expect a minimum balance before they take an account seriously. Henbury doesn't. Whether you're holding a few hundred pounds in retained earnings or a substantial reserve, the same predictive models review your position and apply the same level of scrutiny.
The engine behind the scenes draws on established statistical and machine learning methods to model short-term cash requirements against prevailing market conditions. What reaches your dashboard, though, is kept plain: what's idle, what it could reasonably do elsewhere, and what you'd be trading off by moving it.
£0 minimum deposit — start with whatever is sitting idle
Three tools, one dashboard
Each capability addresses a different part of the same question: what should this cash be doing, and what's the risk of doing it.
Predictive analytics
Our models forecast short-term cash needs from your historical transaction patterns, seasonal variation and known upcoming liabilities, so recommendations reflect your actual cash cycle rather than a generic template.
Risk mitigation
Every recommendation carries a risk profile. The platform flags liquidity constraints, concentration risk and market volatility before suggesting any reallocation, and avoids proposing moves on funds you're likely to need soon.
Real-time insights
Account positions and market data refresh continuously, so the dashboard reflects current conditions rather than a weekly snapshot. You can check in as often as suits you without the information going stale.
How the analysis actually works
We don't rely on testimonials or case studies to explain Henbury. The process itself is the explanation, so here is what happens to your data, step by step.
Data ingestion
Account balances, transaction history and payment schedules are imported through encrypted, read-only connections. Nothing is altered on your end; Henbury only reads what's needed to build a picture of your cash position.
Pattern recognition
The engine identifies recurring cash flow patterns, such as payroll cycles, seasonal revenue and supplier payment terms, and separates genuinely idle balances from funds that are earmarked but not yet spent.
Decision support output
Findings are translated into a short set of recommendations with a plain-English rationale and a risk note. You decide whether, when and how much to move. Henbury does not execute transactions on your behalf.
Built around how businesses and investors actually hold cash
Two common positions, and how the platform approaches each one differently.
Treasury management for small businesses
A limited company with seasonal revenue often holds several months of operating costs in a current account earning little or nothing. Henbury separates that reserve into funds needed soon and funds that are genuinely spare, then models what the spare portion could realistically earn elsewhere without compromising your ability to cover payroll or supplier invoices.
Strategic reinvestment for private investors
Investors sitting on proceeds from a sale or a matured investment often leave funds parked while deciding on a next move. Henbury models several reinvestment timeframes against your stated risk tolerance, giving you a clearer basis for the decision rather than a reason to rush it.
Common questions
Straightforward answers to the questions we hear most often about security, cost of entry and how the AI reaches its conclusions.
How is my financial data kept secure?
Connections to your accounts are encrypted and read-only, meaning Henbury can view balances and transactions but cannot move money or change account settings. Data is stored on encrypted infrastructure, and access is limited to what's needed to generate your recommendations.
Is there really no minimum deposit?
Correct. You can connect an account holding any balance, from a few hundred pounds to significant reserves. The analysis and recommendations work the same way regardless of size; what changes is the scale of the opportunity the platform identifies.
Can I understand why the AI suggests what it suggests?
Every recommendation includes a plain-English rationale covering the pattern identified, the reasoning behind the suggestion and the associated risk. We don't present conclusions without showing the reasoning that led there.
Your idle cash doesn't need a strategy meeting to start earning more attention
Connect an account, see what Henbury identifies, and decide for yourself whether to act. There's no minimum balance and no obligation to move anything.
Start optimising