Thornwick Kapsted analyses cash positions and market data in real time, then publishes every forecast outcome openly. No selected case studies, no closed-door reporting.
Access Performance LogsCash sitting in low-yield business accounts loses relative value every quarter. Manually reviewing market conditions, liquidity needs, and risk exposure takes time most financial directors at small and mid-sized firms do not have, and a single misread signal can be expensive.
Thornwick Kapsted replaces manual review with continuous predictive modelling. The system reads market and liquidity data as it changes, surfaces risk-adjusted recommendations, and records each one in a log any business owner can inspect before deciding whether to act.
Each capability operates independently so that forecasting, risk control, and scale can be reviewed on their own terms rather than taken on trust as a single system.
The model ingests historical cash-flow patterns alongside live market indicators to produce short- and medium-term forecasts on where idle capital could be deployed. Forecasts are expressed as probability ranges, not fixed figures, so directors can weigh outcomes rather than assume certainty.
Risk exposure is recalculated continuously as conditions shift, rather than on a fixed reporting cycle. Each recommendation carries a risk-adjusted return estimate, allowing comparison against a business's own liquidity thresholds before any capital moves.
The platform is built to handle data volumes from a single company account up to a group treasury function without changes to the underlying model. Integration follows the same process regardless of scale, which is detailed in the methodology below.
The term "community-verified" refers to the open log of forecasts and outcomes, viewable by any prospective or existing client, rather than an internal or client-only report.
Liquidity positions and relevant market feeds are connected via secure, read-only access.
The predictive model produces a risk-adjusted recommendation and timestamps it immediately.
The forecast is written to the performance log before the outcome is known, so it cannot be edited after the fact.
Once the forecast period closes, the actual result is logged against the original prediction for anyone to review.
Rather than client testimonials, Thornwick Kapsted publishes the raw record of forecasts and their outcomes. The excerpt below illustrates the log's format; the full, continuously updated version is available after setup.
| Forecast logged | Recommendation type | Outcome window | Status |
|---|---|---|---|
| 03 Feb | Short-term liquidity allocation | 30 days | Closed & logged |
| 17 Feb | Risk-adjusted rebalance | 30 days | Closed & logged |
| 02 Mar | Short-term liquidity allocation | 30 days | In progress |
Data connections are read-only and encrypted in transit and at rest. Thornwick Kapsted does not require write access to banking or treasury systems to generate forecasts; the model only needs visibility of balances and transaction history.
Most small and mid-sized businesses complete the initial data connection within a few working days. The predictive model requires a short calibration period against historical data before its first recommendations are logged publicly.
Pilot terms are confirmed during an initial consultation, based on the scope of accounts and data sources involved. There is no fixed public price list, as liquidity complexity varies between businesses.
Recommendations are advisory. Your business retains full control over whether and when to act on any forecast, and idle capital remains accessible throughout unless you instruct otherwise.
A pilot with Thornwick Kapsted does not require moving funds on day one. It begins with read-only data access and a calibration period, so you can assess the model's forecasts against your own figures before any decision is made.