Rung Kimloc dashboard showing real-time cash and yield analysis for a small business

Put idle business cash to work with AI-driven yield analysis

Rung Kimloc analyses your cash position in real time and recommends where surplus funds can earn a return. Instant withdrawals, with no lock-up periods, so your capital stays within reach.

Start your analysis See how it works

A live view of balances, recommended allocations, and projected yield, updated continuously as your cash position changes.

What the platform does

Predictive models that turn idle balances into a working asset

Rung Kimloc combines transaction data, market signals, and historical patterns to identify where surplus cash can be allocated without compromising liquidity.

Predictive yield identification

The engine continuously scans short-term yield opportunities that match your risk profile and cash cycle, ranking them by expected return and time to access. Recommendations are recalculated as new data arrives, not on a fixed monthly schedule.

Sample allocation view

Idle balance detected£48,200

Suggested allocation£31,500

Projected annual yield3.4%

Access to fundsSame day

Risk management through real-time data

Every recommendation is weighed against live cash-flow forecasts, so the system flags upcoming obligations before suggesting an allocation. If your forecast changes, exposure is adjusted automatically rather than left for a manual review.

Risk monitoring

Upcoming payroll (14 days)Reserved

Seasonal bufferMaintained

Exposure limitWithin range

Process

From connected data to a decision in minutes, not days

Integration is designed to be handled by a finance team without technical support, and ongoing analysis runs without manual input once set up.

Connect your data

Link business bank accounts or accounting software through a read-only connection. Rung Kimloc never initiates payments on your behalf; it only reads balances and transaction history.

AI analyses your position

The system models your cash cycle, identifies surplus balances, and ranks available allocations by yield, term, and access speed, updating continuously as transactions post.

Optimise liquidity

Approve a recommendation in a few clicks, or set rules so routine surplus is allocated automatically. Withdraw at any point without penalty or notice period.

Risk and access

How the models work, and what stays under your control

The methodology, in plain terms

The predictive engine is trained on historical cash-flow patterns, short-term rate movements, and liquidity data from comparable business accounts. It does not speculate on long-term market direction; it focuses on short-duration opportunities where capital can be recalled quickly.

Each recommendation carries a confidence score based on how closely current conditions match the data the model was trained on, so you can see how much weight to give it before acting.

Your capital stays accessible

Funds allocated through Rung Kimloc are never placed into instruments with a fixed lock-up period. Withdrawal requests are processed instantly, and there is no penalty for early access, whether you need funds in a week or a year.

This is a deliberate design choice: liquidity is treated as a constraint the model must respect, not a trade-off you are asked to accept for higher yield.

Use cases

Common scenarios for UK small businesses

Each scenario below reflects a recurring cash management problem and how data intelligence addresses it directly.

Cash reserve optimisation

Reserves sitting at near-zero return

A business holds £60,000 in a current account earning negligible interest. Rung Kimloc identifies the portion that exceeds working capital needs and allocates it to short-term yield, while keeping it withdrawable on demand.

Seasonal surplus

Revenue peaks that sit idle between cycles

A retailer builds up surplus cash after a strong quarter, with no immediate use for it until the next stock order. The model allocates the surplus for the gap period and releases it automatically ahead of the forecast spending date.

Risk mitigation

Uncertainty around upcoming obligations

A business with variable payroll and supplier payments needs confidence that allocated funds won't be tied up when bills are due. Real-time forecasting reserves the required buffer before any allocation is suggested.

Rung Kimloc team reviewing AI-generated liquidity analysis on a laptop

About Rung Kimloc

Built for finance teams who need decisions, not dashboards

Rung Kimloc was built on a simple observation: most small businesses hold cash reserves that sit idle for lack of time to analyse short-term options properly. The platform automates that analysis so the decision takes minutes rather than a review cycle.

We focus on a narrow problem — identifying safe, liquid, short-duration yield — rather than offering broad investment advice, so the recommendations stay specific to your cash position.

Questions finance teams usually ask first

How quickly can I withdraw funds?

Withdrawal requests submitted during business hours are typically processed the same day, with funds returned to your linked account. There is no lock-up period, no notice requirement, and no early-withdrawal penalty on any allocation made through the platform.

How is our data secured?

Account connections use read-only, bank-grade data links; Rung Kimloc cannot move money out of your accounts directly. Data is encrypted in transit and at rest, and access is limited to the analysis required to generate recommendations. We operate within UK data protection requirements applicable to financial technology providers.

How accurate are the AI recommendations?

Each recommendation includes a confidence score reflecting how closely current data matches historical patterns the model was trained on. The models are reviewed and recalibrated on a regular schedule, and recommendations are advisory: final allocation decisions are always confirmed by the account holder.