Falkenivo evaluates your cash flow data in real time and shows when capital should be tied up and when immediate access makes more sense. No blocking periods, no waiting times.
For freelancers and solo entrepreneurs with irregular income
Ongoing evaluation of income patterns, reserves and risk signals
Many self-employed people park excess liquidity in current or current accounts because the next project order is uncertain. The result: capital that neither generates a return nor is available for short-term opportunities.
Falkenivo analyzes your account movements and calculates what proportion of your funds are actually needed as reserves - and what proportion can be used productively without you having to forego access.
Three mechanisms form the basis: forecasting, ongoing valuation and unrestricted access to managed capital.
The forecasting model learns from your historical payment receipts and projects likely revenue gaps. In this way, you can recognize months of tight liquidity before they occur and plan to hoard reserves in a targeted manner instead of across the board.
Every capital movement is checked against current market conditions and your individual risk profile. The assessment is continually updated so recommendations are never based on outdated data.
Credit that Falkenivo manages for you remains accessible at all times. There is no minimum holding period and no notice period - a payout is triggered as soon as you request it.
Falkenivo was designed to give self-employed people a tool that adapts to irregular income - not the other way around. The platform combines machine learning with classic liquidity management principles.
Every analysis remains comprehensible. You see which data points were included in an assessment and remain in control of every decision.
Three consecutive steps – from data input to concrete recommendations for action.
Transaction and account data is read and structured in encrypted form - including recurring payment receipts and seasonal patterns.
The model weights the fluctuation range, reserve requirements and current market conditions and uses this to create an individual risk profile.
This creates a concrete recommendation: what amount can be tied up and what amount should remain liquid as a reserve.
Three typical scenarios from the everyday life of freelancers and small investors.
Between two orders, Falkenivo compensates for short-term bottlenecks by automatically keeping free funds available instead of being tied up.
If the analysis detects a permanent income surplus, Falkenivo suggests reinvestment, which remains resolvable at any time.
If risk signals are detected - such as a failure to receive payment - Falkenivo automatically reduces the committed portion and increases the reserve.
All connections are transmitted encrypted, account data is processed exclusively for analysis and is not passed on to third parties for advertising purposes. Access rights can be revoked at any time.
A withdrawal request is processed immediately, without a waiting or notice period. There is no minimum holding period to which your capital is tied.
Falkenivo uses transaction patterns, incoming payments and target values you have stored. Personal data is stored separately from analysis data and is completely deleted upon request.
Connect your accounts, receive an initial risk and liquidity assessment and retain access to your capital at all times.