Theleys analyses real-time market and macro data to support allocation decisions for money held between freelance projects. Every recommendation is explained in a structured daily report, so automation never becomes a black box.
Designed for UK sole traders and limited company directors managing invoice gaps, retainer surplus and tax reserves in GBP.
Buffer calibrated to 6-week runway.
Settlement window mapped to invoices.
Based on 14-day scenario range.
Plain-English reason for each change.
Freelance income arrives in blocks. A strong quarter leaves surplus cash in a business account, followed by a quiet period of pitching, delivery gaps and late invoice settlement. That surplus must simultaneously cover living costs, corporation tax and VAT, and remain available at short notice.
| Dimension | Reactive, manual approach | AI-assisted predictive approach |
|---|---|---|
| Data basis | Headlines and occasional checks | Continuous ingestion of market and macro signals |
| Risk view | Implicit and undocumented | Explicit thresholds with volatility buffering |
| Liquidity planning | Estimated from memory | Mapped to invoice dates and tax deadlines |
| Review rhythm | When time allows | Structured daily briefing with rationale log |
A calm operating view: runway, reserves and risk thresholds kept in one place, reviewed daily.
Transparent performance tracking with daily reports is the foundation of Theleys. You receive the same fields every morning, in the same order, written for a non-technical reader. If a model adjusts exposure, the report states what changed, why, and what it means for liquidity.
Market prices, volatility indices, GBP macro releases and your configured horizons. Each input is timestamped.
Current exposure against your threshold, with buffer status for the next invoice gap.
Short log entries, for example: “Reduced short-duration exposure as volatility widened.”
Available balance, reserved amounts for tax, and expected settlement timeline.
Every briefing lists the datasets consulted and their cut-off times, so you can verify recency and coverage.
Volatility exposure and confidence intervals are shown numerically, not as vague labels. Limits are set by you during onboarding.
Adjustments are recorded as discrete log lines with cause and effect. No silent rebalancing.
Runway, tax reserve ring-fencing and settlement windows are restated daily, aligned to sole trader and Ltd realities.
Review takes under five minutes. You can hold, adjust thresholds, or pause automated analysis at any point. The audit trail remains available for your accountant or for year-end review, supporting disciplined record-keeping without added administration.
The engine follows a documented sequence. Each stage has a clear function and a verifiable output in your daily briefing.
Market pricing, volatility measures and relevant macro releases are collected continuously and normalised for analysis.
Predictive models test a range of near-term paths, weighted to freelance horizons such as project gaps and tax dates.
Exposure is checked against your threshold. Volatility buffers are applied to protect runway and reserved funds.
Findings are compiled into a concise briefing with actions for review. Nothing executes without a logged rationale.
Different engagements create different cash shapes. Theleys adapts thresholds and horizons to each pattern while keeping reporting identical.
For contractors facing a 4–8 week gap. Priority is continuity of living costs and business overheads, with cautious analysis of idle balances.
For consultants with stable retainers producing monthly surplus. Surplus above a defined operating floor is analysed with calibrated risk.
For directors ring-fencing corporation tax and VAT. The emphasis is on capital preservation and clear separation from operating funds.
Automation should reduce workload, not reduce visibility. These principles govern every analysis Theleys produces.
Four blocks: data inputs with timestamps, risk exposure with confidence interval, a rationale log for any change, and liquidity status showing available, reserved and pending settlement amounts in GBP.
Liquidity horizons are configured at onboarding, typically 7–21 days depending on your invoice cycle. The daily briefing restates the current horizon and any pending settlement windows, so access timelines remain visible.
You define maximum volatility exposure, reserve floors and pause triggers with guided onboarding. The system calibrates within those bounds and flags any recommendation that would approach a limit.
Yes. Profiles distinguish between sole trader cash flow and limited company reserves, including separate handling for corporation tax and VAT ring-fencing and dividend planning context.
No specialist background is required. Reports use plain English, define terms such as volatility exposure and confidence interval on first use, and link each metric to its practical implication for your runway.
