Mavorenal analyzes cash flows in real time, applies predictive models and backtests each strategy on past cycles of rates, inflation and volatility. Thus the entrepreneur evaluates historical behavior before deciding.
Analytical evaluation, without operational constraints. The firm maintains full custody and control of the funds.
Many Italian SMEs maintain high reserves in their current accounts out of prudence. Without an analytical framework, the choice oscillates between inaction and extemporaneous allocations.
Inflation erodes purchasing power of the stock even when the nominal balance remains unchanged. Over 6, 12 or 18 month horizons, the opportunity cost becomes measurable.
Treasury decisions are often reactive and undocumented: tax provisions, supplier advances and seasonality of working capital overlap without a clear mapping of real needs.
Mavorenal introduces data-driven decision optimization: distinguishes operating reserve from actual surplus and quantifies historical risk before any allocation.
| Size | Firm liquidity | Traditional allocation | Mavorenal Predictive Optimization |
|---|---|---|---|
| Operational requirement | Estimated by feel | Based on average balance | Forecast of flows and working capital |
| Risk assessment | Not carried out | Based on expected return | Backtest on rate shocks, inflation and volatility |
| Horizon and liquidity | Not defined | Generic deadlines | Explicit time-to-cash and drawdown thresholds |
| Monitoring | Account statement | Periodic inspection | AI recalibration and automatic alerts |
Mavorenal does not propose allocations based on precise forecasts. Each model is re-run on documented historical regimes to observe how it would perform under stressful conditions.
Continuous acquisition of market data, rate curves and inflation indicators, integrated with the seasonality of business flows and working capital needs.
Simulation of the strategy on rate increases, inflation peaks and volatility phases. Output in terms of observed historical behavior, not performance promises.
Readable summary for entrepreneurs and CFOs: allocable quota, coherent horizon, risk parameters and review conditions. Final decision always up to the company.
Three distinct analytical modules, which can also be consulted separately. Designed for those who manage the cash directly, without complex internal financial structures.
Analyze collections, recurring payments, tax deadlines and seasonality. Estimate the working capital requirement so as to isolate only the surplus that can actually be allocated.
Test each strategy for historical rate shocks and inflation cycles. It returns observed behavior, distribution of results and sensitivity to regime changes.
Continuous recalibration of parameters and automatic alerts when thresholds are exceeded. The dashboard indicates when to review the allocation, with documented justification.
Mavorenal is analysis and decision support software. It does not hold funds, does not execute orders independently, does not replace the consultant. It provides structured historical evidence so that the decision remains with the entrepreneur.
Typical operational situations of the treasury of an SME. Each scenario describes constraints, horizon and applied analysis logic.
Methodological examples based on real operating parameters — no performance promisesService company with advance payments and tax balances concentrated in two deadlines. Absolute priority on the availability of capital on the scheduled dates.
Machine shop setting aside for a machine. The purchase date is flexible within a quarter, but the capital must remain substantially preserved.
Commercial company with regular flows and permanent reserve equal to three months' costs. Objective to contain erosion without compromising operations.
Mavorenal is a decision intelligence platform for treasury. The entrepreneur maintains full custody of the funds in his accounts and full control over each allocation.
The platform does not move money independently and does not require operational delegations. It produces analyses, backtest simulations and monitoring thresholds that the owner can share with their trusted advisors.
Technical documentation available for external CFOs and professional firms, with details on data sources, hypotheses and model limitations.
Each strategy is re-executed on historical market data — rate changes, inflation, volatility — to observe distribution of results, drawdowns and recovery times. The report indicates the period covered, hypotheses and limits, so the result is interpretable and comparable.
Accounting and flow data are used exclusively for the required analysis, with limited access and minimal retention. It is possible to operate on anonymized or aggregated extracts for the first evaluation simulation.
Yes. The platform works on standard statements and schedules, without replacing home banking or management. No account migration or bank change is required.
The analysis is recalibrated: a tax advance or a postponed investment changes allocable surplus and thresholds. The system signals when the actual horizon is no longer consistent with the existing allocation.
We separate calibration data and verification data, test on different regimes, and document hypotheses. Models that only work in a single historical cycle are discarded or downgraded in the robustness score.
Configure a simulation calibrated on the employment horizon and risk tolerance. You will receive a methodological sheet with observed historical behavior and control parameters.
Non-binding analysis, without allocation commitment. No movement of funds required.