For owner-run businesses
The right hand your business is missing.
YIELD reads your whole business — sales, schedule, costs, cash. It tells you what’s wrong, proposes the right move with the analysis behind it, and carries it out after your yes.
- The advice big companies get, for a business your size.
- It all happens in WhatsApp. Nothing to install, nothing to learn.
YIELD
online
TODAY
Morning Camille. Three things today. Starting with the one costing you money.
08:02Your flour supplier is up 11% in six months. Two equivalent suppliers 20km away, same grade: €340 a month back. Renegotiation message ready.
ok send it. and my empty Tuesdays, can you do anything?
08:14Illustrative. Cash is the module available today.
The product
You never open YIELD. It writes to you first, and it does the work.
YIELD sees your whole business — customers, prices, schedule, costs, cash — and the market around it.
It brings you one decision at a time, with the analysis behind it. You answer yes, and it carries it through.
What changes in your week
You raise your prices with evidence, not nerves
What the market charges, what your customers accept, what it adds to the year.
The quiet week never happens quietly
Two empty slots spotted, an offer written for your regulars, sent in your name.
You know if the hire is affordable
Answered on your own numbers — with the month it stops costing you and starts paying.
A customer worth 45% of your revenue is a risk, not a win
Flagged early, with a plan to bring it under 30% this year.
The supplier increase gets renegotiated
+11% caught, two alternatives priced, the message ready to send.
Financing is prepared months before you need it
Not the week the account runs dry.
One conversation. No app to open, no report to read.
The WhatsApp module is coming
Be told when WhatsApp launches
A day with YIELD
One Tuesday, from 8am to 6pm
Five decisions closed before 6pm. You were working, not in a spreadsheet.
YIELD
online
TODAY
A cash gap is coming in 17 days. Two ways to avoid it, both priced.
08:00which one costs me less?
08:31Invoicing the delivered phase: €12,000, no fee. Factoring would cost €340. I’m preparing the invoice.
Illustrative conversation.
The problem
Every big decision in your business lands on you alone.
Should you raise your prices? Can you afford that hire? Which customers should you win back, and how? Big companies pay consultants to answer this. You answer it at 11pm, on instinct.
You don’t need another dashboard. You need someone to think it through with you — and then get it done.
01
You run a business, not a finance department
You opened a bakery, a garage, a salon. Nobody trained you to model prices, margins or financing — and you shouldn’t have to be good at it to make money.
02
Your time is worth more elsewhere
Every evening spent on spreadsheets is an evening not spent on customers, on your team, on the work that only you can do.
03
The advice never reaches you
Consultants are for companies far bigger than yours. Your accountant closes the books twice a year and stops there. So nothing gets decided.
The solution
One right hand for the whole business.
YIELD connects to your bank, your accounting, your bookings, your till, your payroll and your inbox — and reads the outside too: your market, your suppliers, what your competitors are doing.
01
It knows your business, not just your accounts
Customers, prices, schedule, staff, costs, cash: one context, read together. No forms, no reports to fill in.
02
It comes to you first
A margin slipping, a quiet week ahead, a supplier raising prices, a customer worth too much of your revenue, a hire that has become affordable — it tells you before it becomes a problem, and brings the growth ideas too.
03
It answers what you actually ask
“Can I afford this hire?”, “Should I raise my prices?”, “How do I win back last year’s customers?” — real analysis of your own figures and your market, with one clear recommendation.
04
It does the work after your yes
The offer goes out to your customers, the quote is chased, the supplier is renegotiated, the financing file is prepared, the transfer is made — then it checks it landed.
Not a dashboard, not a team of bots. One right hand for the whole business.
Infrastructure
How it connects, and why it cannot go off the rails.
Three things sit under the conversation: it reads your tools, your reserve is respected by code, money only moves between your own accounts.
01
It reads your tools, it never types into them
Bank, accounting, payroll, till, inbox: YIELD connects through their official connections, read-only. Nothing to install, nothing to re-enter, and your tools stay yours.
02
Your reserve is respected, in code
You set a minimum reserve once. Every placement proposal is computed above it, and if your account dips below, money comes back on its own. No transfer leaves without you: you send it from your own bank, and withdrawals only ever return to your verified IBAN.
- Minimum reserve respected
- No money leaves without you
- Withdrawals to your verified IBAN
- Pause at any time
- Every movement recorded
- Instant withdrawal
03
Money moves in seconds, with a receipt
Coming next: payments and placements will settle on Arc in digital dollars (USDC), seconds instead of business days, and every movement will leave a verifiable record. You only ever see euros in your account.
Your minimum reserve is checked by code on every proposal, not promised in a contract.
In practice
Nothing to install
One connection to your tools and it starts.
Every action leaves a record
Amount, time and reason — your accountant can replay all of it.
No waiting on bank days
Cash can keep earning until the day before a payment is due.
Control
Every decision that binds you stays yours.
You write the limits yourself
Typed by you, not guessed from your habits.
Every recommendation shows its numbers
It comes with what changed, where, and when.
Nothing leaves without your yes
Nothing is sent, paid or transferred without your approval.
Everything is traceable, line by line
Amount, time and reason — your accountant can replay every operation.
You can stop it in one tap
Placed cash comes back the moment you ask.
Only you can raise a limit
YIELD cannot change its own limits. You decide, from your phone.
First module · available today
How much cash is truly free, what it earns, and when it comes back.
The module available today is your cash: the decision that comes back every week and costs real money.
01
You set the limits
A cash floor, a cap per transfer, a cap per day — written by you, enforced to the letter.
02
YIELD forecasts 30 days
A full forecast: rent, payroll, taxes, suppliers and expected receipts.
03
Committed cash stays put
Rent, payroll, taxes: what is already promised never leaves the account. What’s left is genuinely free.
04
Earns while it waits, back on time
Free cash earns interest and returns to the account before each payment date.
Your limits
- Never go below €22,000
- Never move more than €8,000 at a time
- Never more than €15,000 a day
Illustrative examples. Products, returns and risk depend on market conditions and each company’s eligibility.
YIELD
online
TODAY
€40,000 in the account. Over 30 days, €24,000 is already promised: rent, payroll, taxes, suppliers.
09:04so how much is genuinely free?
09:06€16,000. Right now it sits at 0%.
09:06Illustrative conversation. Amounts shown as an example.
What you should know
- Who holds my money?
- Your cash is placed in Spiko Euro, an AMF-regulated money-market fund. YIELD prepares and carries out the movements within your limits; it never has access to your funds.
- What are the fees?
- None on your funds: no entry, exit or performance fees. YIELD charges a subscription only.
- Can I stop at any time?
- Yes, from your settings. Your cash comes back instantly under €100,000, next business day above it.
Start in two minutes
See what YIELD would find in your business.
Create your account, connect your bank, and YIELD shows you the first things it finds and what they’re worth.