Bénéforine analyzes your cash flow in real time and transforms your business's scattered data into actionable recommendations. No minimum deposit is required: you start with the amount that corresponds to your situation.
Many managers of VSEs and SMEs leave part of their cash flow in low-paying accounts, out of prudence or lack of time to analyze it. This prudence has a silent cost: inflation gradually erodes the real value of uninvested cash, while optimization opportunities remain unexploited.
The problem is rarely a lack of will, but a lack of visibility. Data is distributed between the bank, accounting software and internal spreadsheets, making manual analysis time-consuming and error-prone. Bénéforine consolidates these sources to give you a clear, up-to-date picture of your real situation.
The periods in blue correspond to the surpluses identified by the analysis as being able to be optimized.
Bénéforine relies on artificial intelligence models to transform your financial data into concrete decisions, while giving you control over each action.
The platform connects your bank accounts and your accounting tools to automatically reconstruct the history of your flows. Artificial intelligence detects recurring gaps, surplus periods and upcoming liquidity needs, without you having to manually cross-reference files.
Predictive models evaluate several possible trajectories for your cash flow depending on seasonal variations, observed payment deadlines and known deadlines. The objective is not to predict the future with certainty, but to identify reasonable room for maneuver before committing to an investment or an expense.
When a cash surplus is identified, Bénéforine offers one or more optimization options accompanied by their calculation logic. Nothing is executed automatically: each recommendation remains subject to your approval, which allows you to keep the final decision in your hands.
No minimum deposit is imposed to gain access to the platform. The getting started process remains the same, whether you have a few hundred euros to optimize or more substantial cash flow.
You connect your bank accounts and your management tools via encrypted synchronization. No manual entry is necessary and you can withdraw access at any time.
The models process your data to identify trends, mobilizable surpluses and constraints specific to your activity, in just a few minutes.
You receive prioritized recommendations. You choose which ones you want to apply, from the first euro available up to much larger amounts.
Bénéforine was designed for companies that have neither the time nor a dedicated financial team to analyze each cash movement. The interface favors clarity: each recommendation is accompanied by an understandable explanation, without unnecessary financial jargon.
Our role is to make data analysis accessible, not to replace you in your decisions. You remain free to accept, adjust or ignore each suggestion made by the platform.
Data transmitted to the platform is encrypted at rest and in transit, and access to bank accounts is carried out via secure connections, without storing your banking credentials on our servers. The technical architecture is designed to meet the security standards expected in the financial sector, and access can be revoked at any time from your space.
The availability of your funds depends on the type of optimization chosen: some solutions remain quickly accessible, others involve a longer investment horizon in exchange for a different return potential. Each recommendation clearly specifies the access conditions before you validate it, so that you can compare options according to your liquidity needs.
The models rely on your cash flow history, observed seasonal cycles and known deadlines to construct several probable scenarios. They do not seek to predict a single outcome, but to estimate a reasonable range of room for maneuver. The logic of each recommendation is presented in a readable way, so you understand what data it is based on before you approve it.
No minimum deposit is required to get started. Our teams support you during the initial configuration of your dashboard and answer your questions before any commitment.