Protect your capital in the gap between contracts
AccruThrift applies predictive AI models to monitor your capital around the clock, flagging risk and recommending adjustments before market shifts affect your business.
AccruThrift applies predictive AI models to monitor your capital around the clock, flagging risk and recommending adjustments before market shifts affect your business.
Freelance income arrives in bursts, not in steady salaries. Between contracts, capital often sits in a standard account, exposed to conditions no one is actively watching. AccruThrift was built to close that gap with continuous, automated oversight.
The risk is not hypothetical. It is structural, tied to how freelance income is earned and held.
Three functions operate continuously in the background, so you are not required to track markets yourself.
The engine processes market and economic data to anticipate shifts before they affect your capital, rather than reacting after the fact.
Your capital is monitored 24 hours a day. When risk indicators move outside set thresholds, protective adjustments are triggered automatically.
Guidance reflects your specific contract cycle and goals, not a generic model built for salaried income patterns.
Each decision the engine makes follows the same three-stage process, so outcomes remain explainable.
Your accounts and relevant market feeds are connected through secure, encrypted channels, with read-only access by default.
The AI runs simulations across multiple market scenarios to assess how your capital would perform under each one.
Where safeguards are warranted, adjustments are applied automatically within the limits you have approved in advance.
Different professions carry different cash-flow patterns. The engine adapts its risk model to each.
Between retainer renewals, the engine identifies that a client payment is overdue against the typical cycle and flags reduced liquidity risk before the next invoice is due, adjusting exposure accordingly.
After a large project payment lands, the system detects a short-term market dip and holds the new capital in a lower-risk position until volatility settles, rather than exposing it immediately.
During a historically slow quarter, the engine recognises the pattern from prior cycles and tightens risk thresholds automatically, reducing exposure before income naturally contracts.
Most risk-management tools are designed around salaried deposits arriving on a fixed schedule. AccruThrift was built from the outset around the irregular, project-based income patterns freelancers actually experience.
The result is a system that treats a quiet month as a data point to plan around, not an anomaly to ignore.
Straightforward answers on data handling, market downturns, and access to your capital.
Yes. All data is processed and stored in accordance with UK data protection law, with encrypted connections and read-only access to linked accounts by default.
The risk model continuously re-assesses conditions and reduces exposure automatically when downturn indicators are detected, based on thresholds you set in advance.
Liquidity settings are configured per account, so funds held in lower-risk positions can typically be released within the standard transfer times of your linked provider.
No. Recommendations are presented in plain terms, and automated safeguards operate within limits you approve, without requiring day-to-day market knowledge.
Connect your accounts and let the engine begin monitoring risk within minutes, with no commitment required beyond the period you choose.
Start Protecting CapitalNo long-term lock-ins. Pause or cancel whenever your contract pipeline changes.