Morefish analyses your financial data in real time and produces risk-adjusted recommendations for surplus cash, helping small business owners and investors act with evidence rather than guesswork.
Many UK small businesses hold surplus cash in low-yield current accounts because the alternative—assessing market instruments, cash flow timing and risk exposure—takes time most owners do not have. The result is capital that sits still while inflation and opportunity cost quietly reduce its value.
Decision paralysis is rarely about a lack of options. It is about the absence of a reliable, ongoing analysis that tells an owner which option fits their liquidity needs and risk tolerance this month, not last year.
Morefish replaces ad hoc judgement with continuous, model-based analysis, producing recommendations that are specific to the business's own cash position and risk profile.
The engine ingests transactional, accounting and market data, then models short- and medium-term outcomes across a defined set of allocation options. Recommendations are ranked by expected return relative to the risk tolerance set by the business.
Every recommendation carries a risk score derived from volatility, liquidity requirements and historical drawdown data. Owners set thresholds in advance, and the platform will not surface options that breach them.
Before a recommendation is presented, it is tested against a range of simulated market conditions to estimate how the outcome might vary. This gives owners a range, not a single figure, so decisions account for uncertainty.
256-bit encryption is applied to data in transit and at rest across the platform's infrastructure.
Morefish is built around the assumption that financial data requires the same handling standards expected of regulated institutions, not consumer software.
Our infrastructure is designed to align with UK data protection requirements, including the UK GDPR, and with the reporting conventions UK accountants and advisers expect.
Link accounting software, business bank feeds, and relevant market data sources through secure, read-only connections.
The predictive engine models liquidity needs, cash flow timing and risk tolerance against available allocation options.
A ranked set of options is produced, each with an expected outcome range and an associated risk score.
The business owner or adviser reviews the recommendation and approves or adjusts before any action is taken.
Typical data sources include:
Morefish was built for owners and finance teams who want a defensible basis for capital decisions, rather than another dashboard to monitor. Every recommendation is accompanied by the data and assumptions behind it.
We work with UK small businesses and private investors who hold surplus cash and want a structured, risk-aware process for deciding what to do with it.
Read more about our approachA retail business holds a cash surplus for three months following its peak trading season before funds are needed for stock replenishment.
An owner wants to keep six months of operating costs liquid while allocating the remainder of a reserve toward modest growth.
An investor wants to understand the risk profile of a proposed allocation before committing capital for a defined period.
A finance team wants to confirm whether a previous allocation still matches current liquidity needs after a change in trading conditions.
Request access to see how Morefish models your own cash position, or review the documentation first if you prefer to understand the methodology in detail.