UK-hosted · AES-256 · Read-only bank feeds

Put idle business cash to work, without putting liquidity at risk

Maxflix analyses your cash flow, tax deadlines and buffers in real time. It shows how much cash is truly idle. It recommends low-risk options. You stay in control.

Analyse Your Cash Reserves Review Security Architecture

Read-only access only No fund movement without your approval Built for UK SMEs

Cash allocation overviewLive analysis

Operating balance£84,200

Working capital buffer Protected£46,000

VAT & Corporation Tax reserve Ring-fenced£38,500

Identified as idle£29,700

Downside risk score: Low Liquidity 90 days secured

Recommendation brief ready: hold buffer, segregate tax reserve, review short-term placement for idle balance. Full audit trail included.

The problem with idle cash

Inflation erodes idle balances. Manual spreadsheets miss the risk.

Most small firms hold extra cash for tax and payroll. That caution is sensible. The difficulty is knowing exactly how much to hold, and for how long.

Tax provisions sit in current accounts for months. Seasonal surpluses wait for the next quarter. Finance leads reconcile by hand and act conservatively by default.

This leaves capital static. It also leaves decisions undocumented. When costs shift, there is no clear record of why a buffer was set.

✓Analyse cash flow properly. Separate operating needs from true surplus across 30, 60 and 90 days.
✓Reduce downside risk. Lock in liquidity buffers before you consider any allocation.
✓Document each decision. Keep a clear audit trail for directors and accountants.

Manual approach	Maxflix predictive analysis
Static spreadsheet	Real-time cash-flow and liquidity forecasting from live feeds
Fixed buffer guess	Working capital buffer calculated from payroll, suppliers and seasonality
Tax reserve mixed with operations	VAT and Corporation Tax reserves ring-fenced by due date
Risk assessed by feel	Risk scoring and scenario testing on every recommendation
No audit record	Actionable brief with rationale, constraints and next review date

About Maxflix

A decision-support platform for prudent finance leads

Maxflix is a B2B data-intelligence platform. It does not move funds. It analyses large volumes of financial and market data and turns that analysis into tailored, low-risk recommendations.

It is designed for managing directors and finance leads who need clarity, not complexity. Every output states what is known, what is assumed, and what to check next.

Real-time insightConnected accounting and bank feeds keep forecasts current, not month-old.

Risk-first logicLiquidity and obligations come first. Allocation options come second.

UK operating modelData hosted in the UK. Controls aligned to UK regulatory expectations.

Maxflix platform briefing showing treasury controls and reporting

Core capabilities

Analyse large data sets. Get clear, tailored actions.

Maxflix processes your ledger, bank transactions and payment patterns together. It then models yield, risk and timing in one place.

01 — Forecasting

Real-time cash-flow and liquidity forecasting

Track inflows and outflows daily. See 30, 60 and 90-day positions. Flag shortfalls before they affect payroll or suppliers.

02 — Modelling

Predictive yield and risk modelling

Test scenarios against late payments, cost rises and seasonal dips. Compare holding cash against short-term, low-risk placements.

03 — Allocation

Tailored allocation recommendations

Receive a ranked brief: what to hold, what to segregate, and what could be allocated. Each item shows term, access and constraints.

Data flow

1Connect. Read-only sync of accounting software and bank feeds. No write access.
2Analyse. Cleanse and categorise transactions. Detect seasonality and obligations.
3Model. Score risk and test scenarios for each surplus window.
4Recommend. Issue a brief your team can approve, file and review.

Security and compliance

Military-grade encryption. Transparent UK governance.

Security is the core of Maxflix. We publish our architecture in plain terms so finance leads and IT reviewers can assess it quickly.

Encryption specifications

AES-256 encryption at rest for all stored financial data
TLS 1.3 encryption in transit for every connection
Zero-trust architecture with least-privilege access and MFA
Segregated environments, encrypted backups and key rotation

Regulatory governance and audit trail

Controls aligned to UK data protection and financial record-keeping expectations
Full audit trail: data sources, model version, assumptions and approvals
Role-based permissions and immutable activity logs
Regular reviews and documented incident response procedures

Read-only API integration

Connects via read-only APIs to accounting and banking systems
Maxflix cannot initiate payments or move funds
Revoke access at any time from your own systems
Integrations include Xero, QuickBooks, Sage and major UK banks via Open Banking

Data sovereignty and UK hosting

All primary data hosted in the United Kingdom
No sale of client data. No use of client data to train shared models without consent
Clear retention periods and deletion on contract end
Data processing agreements available for review before onboarding

Our position is simple: recommendations only. Execution stays with you and your bank. That separation reduces operational risk and keeps accountability clear.

Methodology

From bank feed to decision brief in four steps

No black box. Each stage produces a checkable output your accountant can follow.

Encrypted feed sync

Link accounting and bank accounts via read-only feeds. Data is encrypted on connection and validated for gaps.

Working capital buffer

Calculate the buffer from payroll, rent, suppliers and seasonality. Protect 90 days of core obligations first.

Risk scoring and scenarios

Score each surplus window for liquidity risk. Test late payments and cost shocks before any recommendation.

Execution brief

Receive an actionable brief: amounts, terms, access conditions and review date. Approve or reject in your own systems.

SME use cases

Concrete scenarios for UK reserves

Select a scenario to see how Maxflix structures the decision. Figures below are illustrative structures, not promises of return.

VAT & Corporation Tax reserves Seasonal surplus Supply-chain buffer

1. VAT and Corporation Tax reserve optimisation

A service firm sets aside tax each month. The reserve builds for six months before payment is due. Cash sits idle in a current account.

Segregate tax due dates from operating cash automatically
Confirm the minimum instant-access balance for HMRC deadlines
Assess whether a portion can be placed short-term within the payment window

Decision outcome: A dated plan showing what must stay instant-access, what is protected, and the next review point before filing.

2. Seasonal working capital surplus management

A retailer peaks in Q4 and holds surplus through Q1. Directors debate whether to retain, reinvest or hold for suppliers.

Forecast the post-season cash dip from prior-year patterns
Hold payroll and supplier cover for the quiet months
Present low-risk options for the confirmed surplus window only

Decision outcome: A clear split between retained buffer and allocatable surplus, with liquidity dates attached to each.

3. Supply-chain buffer risk mitigation

A manufacturer keeps a buffer for material price rises and late client payments. The buffer is either too large or too thin.

Model supplier concentration and payment delays
Set a buffer range, not a single guess
Review buffer monthly as order books change

Decision outcome: A documented buffer policy with triggers for release or top-up, shared with the board.

FAQ

Practical answers for business owners

Short answers. No jargon. Contact us if you need technical detail for IT review.

How does Maxflix protect our financial data?

Data is encrypted with AES-256 at rest and TLS 1.3 in transit. Access follows zero-trust principles with MFA and least-privilege roles. Hosting is in the UK. All activity is logged with a full audit trail.

Does the platform move funds automatically?

No. Maxflix provides recommendations only. It uses read-only connections and cannot initiate payments. You execute any decision in your own bank or accounting system.

How does the AI determine how much cash is truly idle?

It analyses payroll, supplier payments, tax deadlines and seasonality. It first calculates the buffer needed for 30, 60 and 90 days. Only the balance above that buffer, with timing constraints, is classed as potentially idle.

How is regulatory compliance maintained in the UK?

Controls are aligned to UK data protection requirements and standard financial record-keeping practice. We provide data processing agreements, retention schedules and exportable audit logs for your accountant or auditor.

What accounting and banking systems integrate with Maxflix?

We integrate with Xero, QuickBooks and Sage, plus major UK banks via Open Banking read-only feeds. Connections can be revoked at any time. CSV import is available where a direct feed is not supported.