Dovencaro reviews your historical cash flow and current reserves to surface low-risk, high-liquidity options that can be reviewed and approved before any capital moves.
The dashboard preview shows your idle balance, a recommended allocation range, and the risk-adjusted return associated with each option, updated daily.
Many Swiss SMEs keep a comfortable buffer in a standard business account. That buffer protects against short-term shocks, but it rarely earns anything close to what it could, and inflation quietly reduces its purchasing power over time.
Dovencaro was built to address this specific gap: turning idle balances into a managed, data-backed allocation process without requiring a treasury department.
The platform does not guess at opportunities. It combines historical data, live market conditions, and your stated liquidity constraints before anything is suggested.
Dovencaro analyses twelve to twenty-four months of transaction history to estimate how much of your balance is genuinely surplus, and how that surplus tends to fluctuate across your business cycle. The model is recalculated as new data arrives, rather than relying on a one-time snapshot.
Short-term instruments carry different risk profiles depending on market liquidity and interest rate movements. The system checks these conditions continuously, so a recommendation reflects the current environment rather than assumptions made weeks earlier.
Instead of a single automated trade, Dovencaro presents a short list of ranked options, each labelled with its expected liquidity window and risk-adjusted return. You, or your financial controller, decide which to approve.
Most SME finance tools report performance monthly or quarterly. Dovencaro generates a report every business day, so you always know where allocated capital stands and why.
Each business day begins with an updated view of balances, active allocations, and any change in recommended positioning.
Risk indicators are re-checked throughout the day; material changes trigger a note in the next report rather than a silent adjustment.
A written summary lands in your dashboard, covering performance, risk exposure, and liquidity available for withdrawal.
The surplus calculation adapts to the shape of your cash flow, which varies considerably by business model.
Recurring billing produces a steadier cash flow curve, which typically allows a larger share of reserves to be allocated to slightly longer liquidity windows without affecting runway.
Inventory financing and seasonal demand mean surplus cash can shrink quickly. The model weights short-term liquidity more heavily during peak buying periods.
Cash flow is shaped by client payment terms rather than product cycles. The model accounts for typical days-to-payment when estimating what can safely be allocated.
Each recommendation includes an explicit liquidity window. Options are ranked so that you can see, before approving anything, how quickly funds could be made available if circumstances change.
Data is used solely to calculate your surplus estimate and generate reports. It is not shared with third parties for marketing purposes, and it is not used by Dovencaro for any purpose unrelated to your account.
Dovencaro operates within the Swiss regulatory framework applicable to data-driven financial analysis tools. We recommend that each business confirm how the platform fits within its own regulatory obligations, since these can vary by sector and company size.
No. The system produces ranked recommendations with supporting data. A human on your side reviews and approves any allocation before it takes effect.
Each option is evaluated against its expected volatility, liquidity window, and counterparty exposure, then compared on a consistent basis so that options with different risk profiles can be judged side by side.
Have a question specific to your business? Get in touch with our team.
Request a walkthrough of the dashboard using anonymised data patterns similar to your business, or review a sample report to understand the level of detail provided before committing to anything.