Capital in motion
Nazoru Pekiri analyzes your treasury in real time and converts excess cash into instantly available liquidity, without retention periods or contractual lock-ins.
Nazoru Pekiri analyzes your treasury in real time and converts excess cash into instantly available liquidity, without retention periods or contractual lock-ins.
Traditional treasury management models treat cash as a static balance, reviewed monthly or by fixed accounting cycles. This approach ignores that market conditions, interest rates and demand for liquidity change daily.
The result is a silent opportunity cost: capital sitting idle in underperforming accounts while windows of optimization disappear before anyone notices them. Added to this is the friction of financial products with retention periods, which force you to choose between profitability and immediate availability.
Sector reference values, presented for comparative purposes.
The system combines data ingestion, predictive modeling and operational execution into a single continuous flow. Each phase is designed so that control of the capital always remains in the hands of the account holder.
The system collects cash movements, billing flows and relevant market conditions continuously, without depending on periodic accounting closings.
The algorithms evaluate the available surplus against the company's foreseeable needs, calculating the optimal allocation margin with a conservative risk profile.
When the holder requests a withdrawal, the funds are released without waiting periods or penalties, regardless of the period in which they were allocated.
Companies that use Nazoru Pekiri maintain full control over their capital at all times. There are no commitments to permanence or transfer the operational management of the business.
Updated projections based on actual income and expense patterns, useful for anticipating capital needs before they become emergencies.
The models adjust the exposure based on the observed volatility, always prioritizing the preservation of capital over the maximization of return.
Surplus allocation is continuously adjusted as conditions change, without requiring constant manual intervention by the owner.
The holder can request the availability of all or part of the funds at any time, without mandatory prior notification or blocking windows.
We do not present testimonials or individual success stories. Instead, we describe the logic of the models and the behavior of the system so that the evaluation is based on verifiable data, not promises.
Predictive models are periodically reviewed and recalibrated against updated market data, rather than operating with fixed parameters.
Withdrawal requests are processed by directly connecting to the liquidity infrastructure, without additional intermediaries in the approval chain.
Financial data is encrypted in transit and at rest, with access control segmented by role and auditing of each operation on the client's capital.
Below are three recurring situations in the treasury management of an SME and how each one is addressed within the system.
When turnover exceeds expectations, the surplus usually remains immobile in the operating account until the next investment decision. The system automatically identifies this surplus and allocates it according to the defined risk profile, keeping the entire amount available for immediate withdrawal if a specific need arises, such as the payment of upcoming tax obligations.
Businesses with peaks of activity in certain months need reserve capital during low periods. Predictive analytics adjusts the ratio of liquid funds to allocated funds based on the seasonal timing observed in prior years, reducing the need for additional lines of credit.
When known payments are approaching, such as quarterly taxes or due dates with suppliers, the owner can manually reserve that amount so that the system excludes it from any risk allocation, guaranteeing its exact availability on the required date.
Nazoru Pekiri is built on the idea that SME cash management can be treated with the same analytical rigor as an institutional investment portfolio, without giving up the operational simplicity that a small business needs.
The system does not replace the business owner's decisions: it informs them with up-to-date data and risk models designed to prioritize capital availability over any other objective.
There is no need to migrate your entire operation immediately. You can start with a portion of your excess cash and evaluate the performance of the system before expanding its use.
Optimize my treasuryNo commitment to permanence. Funds remain available for withdrawal at any time.