Baluartivo connects your accounts, detects idle capital and proposes an investment strategy adjusted to your risk level. You review and approve; The analysis is done by the platform.
Many small businesses maintain high checking account balances because analyzing alternatives requires time and knowledge that is not always available. Meanwhile, that capital generates no returns or fulfills any calculated reserve function.
The difficulty is not a lack of options, but the complexity of comparing them with coherent and up-to-date risk criteria.
Baluartivo processes financial and market data to translate it into concrete recommendations, without you having to interpret spreadsheets or technical reports.
The system projects how your liquidity would evolve under different market scenarios, before you make any decisions.
Each recommendation is accompanied by a risk measurement expressed in operational terms, not just statistical ones.
The suggested portfolio is recalculated when market conditions or the available balance in your accounts change.
The process is designed so that the initial configuration requires no more than a minute.
Link your business bank account using encrypted connection. No movement of funds is performed in this step.
Baluartivo identifies available capital and calculates different combinations of risk and liquidity based on your declared profile.
You review the recommendation and approve it with one click. The platform executes the assignment and continues to monitor it.
One-click setup: Connecting the account, reviewing the proposal, and approving it are the only manual actions required.
The following scenarios illustrate how the system applies the same analysis principles to different business objectives.
A company maintains a liquidity cushion to cover unforeseen events, but a part of that balance exceeds what is necessary for the coming months. Baluartivo calculates what portion can be allocated to low-risk instruments without compromising immediate payment capacity, and proposes to keep the rest accessible.
After a period of higher-than-expected income, a company has additional capital with no defined destination. The platform evaluates reinvestment alternatives aligned with the business's time horizon and indicates the level of risk associated with each one before executing anything.
Direct answers to the most frequently asked questions before connecting an account.
The data is used only to calculate the available balance and generate recommendations. They are not shared with third parties outside the service and are stored encrypted in infrastructure located in the European Union.
The model combines the declared risk profile, the indicated time horizon and updated market conditions. Each recommendation includes the criteria that support it, so that it can be reviewed before being approved.
The recommendations distinguish between capital allocated to immediate reserve and capital allocated to instruments with different availability periods. You decide how much of your liquidity remains accessible before approving any allocation.
Connect your account and review the first recommendation without any obligation.
Request accessWithout mandatory permanence. You can disconnect your account whenever you want. The past performance of any instrument does not guarantee future results.