Build a picture you can trust.
Connect accounts, receivables, payables, and debt schedules. Preserve where each fact came from, when it was known, and what is still missing.
Financial intelligence for growing businesses
See what your business can afford.
Understand the business. Test the possibilities. Make the decision with the evidence in front of you.
We're building Qelly: a financial copilot that examines cash, obligations, and risks, and surfaces the missing information that could change your decision.
Explore a decision
Decision workspace/Expansion review
Illustrative case · USD
A question worth asking
Can we invest US$150,000 now?
Four-week cash outlook
Available cash
Selected planMinimum reserve
Opening cashUS$300,000
Weekly collectionsUS$100,000
Weekly obligationsUS$120,000
View the inputs and calculation
Each week: closing cash = opening cash + collections − mandatory outflows − investment. The late scenario moves only the first US$100,000 collection to week two. Deferral places the investment beyond this four-week window.
| Week | Collections | Obligations | Investment | Closing cash |
|---|---|---|---|---|
| 1 | 0 | 120,000 | 150,000 | 30,000 |
| 2 | 200,000 | 120,000 | 0 | 110,000 |
| 3 | 100,000 | 120,000 | 0 | 90,000 |
| 4 | 100,000 | 120,000 | 0 | 70,000 |
A transparent synthetic example, not a connected client account. These scenarios have no assigned probabilities. Investment returns are not modeled. Costs beyond week four are outside this example; deferral does not cancel the investment.
The product we're building
A business is more than its balance sheet.
Qelly brings the financial picture and the decision into the same conversation. The first focus is liquidity, debt obligations, and the next commitment a growing business is considering.
Ask the question that matters.
Identify the unknown that could change the recommendation: a collection date, a covenant, or whether financing is actually committed.
Test the next move.
Compare expansion, payment timing, inventory commitments, and documented financing against explicit cash and operating constraints.
Put the evidence behind the decision.
Deliver a reviewable brief: alternatives, calculations, assumptions, and conditions. Management and its financial advisers make the call.
One financial foundation.
Two sides of a decision.
The same business facts support different decisions. Objectives, available actions, constraints, and access determine the experience.
For SMEs and their finance teams
Can we afford the next commitment while protecting cash?
Bring management priorities, budgets, obligations, and operational constraints. Compare hiring, expansion, inventory, payment timing, and documented financing.
The decision brief
Cash outlook, material gaps, feasible responses, and the conditions management needs to review.
For lenders and investors
Does this business support the proposed financing or investment?
We're designing Qelly to support financial due diligence: reviewing repayment capacity, covenants, collateral, and evidence gaps. Investor decisions also require price, ownership, horizon, and portfolio objectives.
The decision brief
Repayment scenarios and financing tradeoffs first. Broader equity-investment and valuation workflows are on the roadmap.
Our launch approach
Your assistant.
Qelly's financial infrastructure.
Use Qelly through the assistants you already know. We're building connectors for ChatGPT and Claude, supported by a Qelly workspace for records, permissions, assumptions, and approved reports.
ChatGPTClaudeQelly workspace
Qelly
Maintained business state · Calculations · Scenarios · Evidence
The host assistant handles the conversation. Qelly performs and records the financial work. One financial service can support multiple interfaces.
Planned: validate one connector, then add the second.Build the first chapter with us
From a clear question to a stronger business.
We're seeking design partners among growing businesses, fractional CFOs, advisory teams, and lending partners. Bring a recurring cash or financing decision. Help shape the workflow around real operating needs.
Discuss a pilot
Qelly Research
Building the intelligence behind the next move.
Specialized models. Verified decisions. A research program in classical and quantum-assisted search.
Explore our research