Every tool a freelance business needs to see, plan, and protect its cash
Kvontebran BTC combines AI-driven data analysis with practical liquidity management, so income volatility stops being a guessing game.
Start AnalysingBuilt around the way independent work actually flows
Freelancers, contractors, and solo consultants don't get monthly payslips — they get irregular invoices, delayed payments, and seasonal dips. Kvontebran BTC's features are designed around that reality, not around a traditional payroll calendar.
AI models that learn your earning rhythm
Kvontebran BTC continuously analyses historical income data to identify recurring patterns, seasonal slow periods, and client payment habits. The result is a forward-looking view of your cash position, rather than a static snapshot of last month.
Rolling projection updated automatically as new invoices and payments are recorded.
Adjusts automatically as upcoming expenses and expected receipts change.
A cash cushion sized to your real risk
Instead of a generic "save three months of expenses" rule, Kvontebran BTC calculates a buffer target based on your specific income volatility, upcoming obligations, and historical gaps between invoicing and payment.
Know which invoices are likely to pay late
Kvontebran BTC scores outstanding invoices based on client payment history and behaviour patterns, helping you prioritise follow-ups and plan around the receivables most likely to slip.
How the features fit together
Each capability builds on the last — from data to forecast to action.
Connect your data
Link invoicing, banking, and expense records so Kvontebran BTC has an accurate picture of income and outgoings.
Review the analysis
The AI surfaces patterns, risk scores, and a rolling forecast you can check in minutes.
Act on the plan
Adjust buffer targets, prioritise invoice follow-ups, and time larger expenses with more confidence.
Get notified before a shortfall becomes a problem
Kvontebran BTC watches your projected balance against your buffer target and upcoming commitments, flagging periods where liquidity is likely to run tight.
- Early warning when projected cash dips below your buffer threshold
- Notifications for invoices approaching typical late-payment windows
- Summary view of upcoming fixed costs against expected receipts
- Adjustable sensitivity so alerts match your risk tolerance
Designed for the shape of independent income
Cash Flow Forecasting
Rolling projections built from real invoicing and payment history, not fixed assumptions.
Buffer Recommendations
A liquidity target that adapts to your income volatility rather than a one-size-fits-all rule.
Invoice Risk Scoring
Client-level insight into which receivables are likely to arrive late.
Expense Timing Guidance
See how a planned purchase or tax payment interacts with your projected cash position.
Custom Alerts
Set thresholds that notify you when projected liquidity approaches your comfort level.
Historical Pattern Reports
Understand seasonal dips and peak periods so future planning gets easier each year.
Features FAQ
Do I need to connect a bank account for the forecasts to work?
The analysis is most accurate when it can see actual income and expense data, typically through connected invoicing and banking sources. You control what is linked and can review the data used at any time.
How often is the liquidity buffer recommendation updated?
The buffer target recalculates automatically whenever new income, expense, or invoice data is recorded, so it reflects your current situation rather than a fixed figure set once.
Can I adjust the risk sensitivity of alerts?
Yes. Alert thresholds can be tightened or relaxed depending on how much buffer or warning time you prefer before being notified.
Is the invoice risk score a guarantee that a client will pay late?
No. It is a probability-based indicator drawn from historical patterns, intended to help you prioritise attention — not a certainty about any individual payment.