Predictive analysis applied to the liquidity of your business
Trigo Capitorio processes cash flows from small businesses and private investors and translates them into capital allocation recommendations. The model analyzes the data; The decision to execute remains yours.
The cost of not deciding is also a decision
Much of an SME's liquidity remains in low-performing accounts, not because there is no alternative, but because evaluating it by hand takes time that the business owner does not always have. The result is a silent opportunity cost: capital that does not visibly lose value, but does not work either.
The usual alternative—delegating the decision to intuition or specific recommendations—introduces a second problem: risk is managed irregularly, without consistent criteria from one operation to the next.
Capital without systematic analysis
- It is reviewed sporadically, usually in the event of an unforeseen event.
- Decisions depend on the specific judgment of a person.
- There is no comparable record between periods.
Capital under predictive analysis
- It is evaluated continuously, with each new treasury data.
- The recommendation follows consistent and documented criteria.
- Each result is recorded and is comparable over time.
From data to recommendation, in three phases
The model does not replace the business owner: it organizes the available information and proposes a range of action. The final execution always depends on a human decision.
Data ingestion
The system incorporates treasury movements, collection and payment cycles, and available balances, to build a homogeneous database on the real liquidity position.
Predictive analysis
A statistical model identifies patterns of seasonality, peaks in cash needs and capital margins that could be allocated without compromising daily operations.
Allocation proposal
The result is an optimizeable capital range and associated risk level. The owner reviews the proposal and decides whether to apply it, adjust it or discard it.
A model that is revised with each new data cycle
The Trigo Capitorio model is not limited to an initial calculation: it is retrained with each new period of treasury movements, so that the recommendations reflect the current situation of the business and not a static photograph of the moment of registration.
This continuous review is what allows us to distinguish between a specific recommendation and a flow optimization process sustained over time.
Risk reduction with verifiable criteria
Each module in the system answers a specific question about capital exposure, not a generic promise of profitability.
Risk management
The model establishes exposure limits before proposing any allocation, so that the capital allocated for optimization never compromises the liquidity necessary for current operations.
Real-time information
Each new movement recorded updates the analysis. Recommendations are not based on a monthly review, but rather on the most recent state of available data.
Scalable intelligence
The same model adapts to different treasury volumes, from a single operating account to structures with several business lines or linked entities.
Results verified by the user community itself
Trust in a recommendation system is not built with promises, but with a searchable history. That is why each proposal issued by the model is registered along with its real result.
Simplified representation of the record: each bar corresponds to a recommendation cycle, comparing what is projected by the model with what is actually obtained by the users who share its operations.
Verification methodology
Users who participate in the public registry authorize the anonymized publication of the results of their recommended operations. This data is contrasted with the original projection issued by the model at the time of the recommendation, without subsequent modifications.
The objective is not only to show favorable results, but to maintain a continuous history that also includes deviations, so that the evaluation of the system is based on the data as a whole and not on isolated cases.
Consult the public registryCommon questions before starting
Straightforward answers to questions small business owners often ask before connecting their data.
How does Trigo Capitorio connect with my treasury accounts and tools?
The integration is carried out by importing the treasury movements that the owner authorizes, without the need to assign permanent access credentials. The system only processes the information necessary to build the analysis.
What security standards protect my business data?
Data is transmitted and stored encrypted, and internal access is limited to processes strictly necessary to generate the analysis. No identifiable information is shared with third parties without the express authorization of the owner.
If I allocate capital following a recommendation, do I lose immediate liquidity?
No. Each recommendation includes a range designed to not compromise the cash necessary for daily operations. The model explicitly distinguishes between the capital available for optimization and the minimum liquidity cushion of the business.
Who finally executes the recommendation, the system or me?
You. Trigo Capitorio delivers an analysis and allocation proposal; The execution, adjustment or rejection of that proposal always corresponds to the account holder.
Can I review the history of recommendations before deciding?
Yes. The public registry collects the history of recommendations issued and their results, so you can consult the behavior of the model before applying a first assignment.
Start by understanding your liquidity before you move it
The first step is not to execute a recommendation, but to see how the model interprets your business data. From there, the decision to optimize your capital remains yours.
Optimize my CapitalEach recommendation is recorded in our public history; You can review it before deciding.