Aims to track short-term rates
Targets short-term money-market rates — currently up to 2% a year — rather than the ~0% of a current account.
Company Cash
Your company's cash
shouldn't earn nothing.
Most business cash sits in a current account earning close to 0%, or gets locked into a fixed deposit to earn a little more. There's a better middle ground: we manage the idle portion of your company's cash in a liquid, low-cost, money-market solution — targeting up to 2%* a year on the cash you hold with us, while keeping it available when you need it.
*The cash is invested across several money-market funds (MMFs), so the return varies with prevailing interest rates and is not guaranteed. Our fee for the service is 0.2% a year.
"Lazy money" is real money left on the table.
The problem
Every business keeps a cash buffer — for payroll, suppliers, tax, opportunities. But that buffer is usually near-zero interest in the current account, or tied up for months in a deposit you can't touch without penalty.
With the ECB rate where it is, the gap between what your cash could earn and what it does earn is real money — and it's not worth running a finance project to fix.
Our solution
A liquid, money-market portfolio.
We manage the surplus part of your company's cash through a portfolio of money-market ETFs, aiming for a yield in line with prevailing short-term money-market rates — currently up to 2% a year — for a low custody fee. The money stays liquid — available when you need it — rather than locked away.
Liquid
Designed for access when you need the cash, unlike a fixed-term deposit.
Low, transparent fee
A low custody fee — and no trading costs.
Managed and documented
Set up properly, reported clearly, with the rules handled for you.
Honest framing
Low-risk, not no-risk.
This is a managed investment in money-market instruments, not a guaranteed bank deposit, and it is not covered by a bank deposit-guarantee scheme in the same way. The yield floats with interest rates and can change, and as with any investment the value can fluctuate.
For most companies, the idle-cash portion is exactly the right fit — but we'll only recommend it where it suits your liquidity needs, which we'll go through together.
Who it's for
Cash that should be working.
- SMEs and owner-managed companiesSitting on operating or surplus cash.
- Holding companies and professional practicesWith reserves earning nothing.
- Any businessThat wants its cash buffer to work without giving up access.
And because the person running the company is usually also an investor, a company-cash relationship is often the start of a wider conversation — about the company's longer-term reserves, and about managing your personal wealth too.
How it works
Four straightforward steps.
01
A short conversation about your cash
How much is truly idle, and how quickly you might need it.
02
Company verification (KYB) and setup
Digitally, with the rules handled for you.
03
We manage the idle portion
In the money-market portfolio; the rest stays in your operating accounts.
04
Access when you need it
With clear reporting on yield and balances.
Capital at risk. Investing involves risk: the value of investments can go down as well as up, and you may get back less than you invested. Past performance and any simulated/back-tested performance are not reliable indicators of future results. Tax treatment depends on individual circumstances and current law, both of which can change. This website is a marketing communication. It is not investment advice, a personal recommendation, or an offer to enter into any contract. Detailed pre-contractual information is provided before any agreement is concluded.