Jak rychle se dostanu ke svým penězům?

Prostředky uložené v likvidních nástrojích lze vybrat do několika minut, bez vázacích lhůt a bez sankcí za předčasný výběr.

Co se stane s daty, která do systému nahraji?

Napojení na bankovní účet je v režimu jen pro čtení — Lůvenec UI nemá přístup k platebním operacím. Data se používají výhradně pro analýzu cash-flow a nejsou předávána třetím stranám za účelem prodeje.

Jak spolehlivý je predikční model?

Model je pravidelně testován na historických datech a přehodnocován analytickým týmem. Žádný predikční model nezaručuje přesný výsledek, proto systém vždy počítá s rezervou a rizikovým limitem.

Je moje hotovost nějak pojištěna?

Konkrétní podmínky ochrany prostředků závisí na vybraném nástroji a jsou uvedeny v jeho dokumentaci před potvrzením alokace. Doporučujeme si je prostudovat před prvním vkladem.

Mohu účet kdykoli zrušit?

Ano. Účet nemá vázací lhůtu ani výpovědní dobu. Zrušení účtu nemá vliv na rychlost výběru již alokovaných prostředků.

Lůvenec UI — visualization of company cash-flow analysis in real time

Free capital in your business doesn't have to wait for an opportunity

Lůvenec UI analyzes your cash-flow daily and allocates unused cash to liquid instruments. No binding periods, with withdrawal within a few minutes.

Find out how the system works Questions about risk and safety

Illustration: daily breakdown of free cash into three liquid tranches according to cash-flow prediction.

The problem

Idle capital loses value every day that no one works with it

Most business accounts hold a reserve that no one evaluates regularly. The tables are updated once a week and decisions are made based on the old numbers.

Meanwhile, data on maturities, seasonal fluctuations and surpluses lie unused directly in the banking system. No one reads them in real time, so you can't benefit from them.

Lůvenec UI reads these flows daily and converts them into concrete recommendations without having to manually download statements or wait for the monthly deadline.

Lůvenec UI — team analyzing data models for liquidity prediction

The core of the system

Prediction model and mechanism of immediate selection

Cash-flow forecast for 30-90 days

The model analyzes historical payments and seasonal patterns. The result: the company knows two months in advance when it will have a surplus and when it will have a deficit.
Instant withdrawal without penalties

Funds stored in a liquid instrument can be withdrawn within minutes. Capital remains available even as it is being valued.
Breakdown into multiple tools

Free cash is distributed according to the company's risk profile. No single position will exceed the set exposure limit.

The model is tested on historical data and regularly re-evaluated by the analytical team. Each recommendation contains a record of input data, thanks to which its logic can be retrospectively verified.

Methodology

From data to decision in four steps

Data collection

Read-only connection to bank accounts and the accounting system. Transactions are synchronized automatically, without manual input.

Formula analysis

The model recognizes seasonality, recurring maturities and the minimum reserve that the firm needs to maintain.

Allocation proposal

The system will suggest what part of free cash to move to liquid instruments and in what ratio between them.

Monitoring and editing

Recommendations are re-evaluated daily based on new data. The client can change the allocation or withdraw funds at any time.

Each step passes output to the next — pattern analysis is based on fresh data, allocation design from analysis, and tracking from allocation results. The loop repeats daily, so recommendations are never based on outdated numbers.

Usage scenarios

The specific situation of small companies and investors

E-shop with seasonal income

Input data Balance of CZK 1.2 million, 18 months of income history, payment plan to suppliers.

Optimization result The system divides the free cash into three liquid tranches, leaving 15% as an immediately available reserve.

Private investor with a diversified portfolio

Input data Portfolio in six asset classes, monthly cash-flow statements, defined risk profile.

Optimization result The model will suggest moving part of the capital to an instrument with a higher yield while maintaining immediate availability.

A family business with a multi-year budget

Input data Annual budget, operational investment plan, seasonal fluctuations in sales over the past three years.

Optimization result The system separates the capital intended for the planned investment from the free reserve and values both parts differently.

Safety and risk

Questions that business owners solve before making a decision

How fast will I get my money?

Funds deposited in liquid instruments can be withdrawn within minutes, with no lock-in periods and no penalties for early withdrawal.

What happens to the data I upload to the system?

The bank account connection is in read-only mode — Lůvenec UI does not have access to payment operations. The data is used exclusively for cash-flow analysis and is not passed on to third parties for sale.

How reliable is the prediction model?

The model is regularly tested on historical data and re-evaluated by the analytical team. No prediction model guarantees an exact result, therefore the system always calculates with a reserve and a risk limit.

Is my cash insured in any way?

The specific conditions of protection of funds depend on the selected instrument and are indicated in its documentation before the allocation is confirmed. We recommend that you read them before making your first deposit.

Can I cancel my account at any time?

Yes. The account has no binding period or notice period. Cancellation of the account does not affect the withdrawal speed of already allocated funds.

Find out how much free capital is currently sitting unused in your company

Linking a bank account takes a few minutes and is in read-only mode. No binding periods, no commitment to immediate allocation.

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