Transform your excess cash into a methodically managed asset
Heter Attra continuously analyzes your financial flows and adjusts its allocation recommendations as it learns your risk tolerance, without ever committing your funds for you.
Heter Attra continuously analyzes your financial flows and adjusts its allocation recommendations as it learns your risk tolerance, without ever committing your funds for you.
The Heter Attra engine crosses two distinct data streams: the volatility of the money markets in which your cash could be placed, and the real seasonality of your working capital requirements. This double reading avoids generic recommendations that are often unsuitable for SMEs.
Dynamic profiling gradually refines its estimate of your risk aversion based on your past decisions — validations, refusals, amount adjustments. The richer the history, the more the proposals focus on your real profile rather than a statistical average.
Each step is designed to keep the final decision in your hands, even when the analysis is automated.
Your business bank accounts and management tools are linked via secure, read-only connections. Heter Attra does not initiate any transfer without your explicit validation.
During the first weeks, the algorithm observes your cash-in and cash-out cycles and submits test scenarios to measure your comfort level with risk.
Once the profile is stabilized, you receive allocation proposals updated in real time. You retain the final word on execution at all times.
For an SME, the priority remains the preservation of capital. The following mechanisms govern each recommendation issued by the platform.
Encryption of data in transit and at rest, strong authentication, and strict separation between analysis systems and operations execution systems.
A minimum share of cash flow, defined with you, remains systematically excluded from any allocation proposal in order to cover your current payments.
The recommendations are traced and documented, which facilitates their presentation to your accountant or auditor.
The relevance of a recommendation depends as much on the company context as on market conditions.
A company whose activity is concentrated over a few months accumulates excess cash at the end of the season. This surplus often remains unused until the next recovery.
Heter Attra identifies the likely time window before the next liquidity need and proposes an allocation whose horizon corresponds precisely to this duration, to avoid any blocking of funds at the wrong time.
Key parameter: estimated duration between peak cash flow and resumption of operational disbursements.
An SME reserves funds for an acquisition or material investment whose date remains uncertain, sometimes over several quarters.
The model then favors allocations with high liquidity, reversible quickly without significant penalty, so as not to compromise the ability to seize the opportunity when the time comes.
Key parameter: probability of anticipated mobilization of funds before the planned deadline.
Some companies maintain a permanent safety cushion, separate from current operating cash flow, to absorb an unforeseen shock.
For this pocket, Heter Attra voluntarily limits the recommendations to the most conservative supports, even if it means accepting a more modest return, in accordance with the declared risk profile.
Key parameter: minimum threshold of immediate availability defined by the manager.
The data collected remains hosted in the European Union and is processed in accordance with the GDPR. They are used exclusively for analyzing your cash flow and are neither resold nor shared with third parties for commercial purposes. You can request their deletion at any time.
Each recommendation is accompanied by the criteria that motivated it: estimated investment horizon, required liquidity level and risk profile adopted. The goal is to allow you to challenge the proposal, not to accept it by default.
The deadline depends on the support chosen during allocation. The supports offered by default favor rapid availability, generally within forty-eight working hours, unless otherwise explicitly indicated before validation.
An initial diagnosis makes it possible to assess the portion of your liquidity that can actually be mobilized and the risk profile adapted to your activity, before any recommendation.
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