Every tool you need to put idle cash to work
Bishop Vermoholt combines automated cash-flow analysis with AI-driven allocation, giving UK SMEs a single place to monitor, move, and optimise liquidity — without a minimum deposit.
No minimum deposit. Cancel anytime.
Built for the day-to-day reality of running a business
Each feature below is designed to reduce the manual work of managing surplus cash, so you can focus on operating the business rather than reconciling spreadsheets.
Automated cash-flow mapping
Bishop Vermoholt continuously reads incoming and outgoing balances across connected accounts, building a live picture of how much cash is genuinely surplus to short-term needs.
AI-driven allocation
Surplus funds are matched against a set of liquidity options based on your stated risk tolerance and withdrawal horizon, with allocations adjusted as conditions change.
No minimum deposit
Start with whatever surplus you currently hold. There is no deposit threshold to access the platform, so smaller businesses aren't locked out of optimisation.
Transparent reporting
Every allocation decision is logged and explained in plain language, giving finance teams a clear audit trail without needing to interpret opaque models.
Configurable risk controls
Set boundaries on exposure, liquidity windows, and concentration limits. The AI operates within the parameters you define — it does not override them.
Fast access to funds
Liquidity needs change. Bishop Vermoholt is built around keeping allocated funds accessible, so moving cash back to operating accounts doesn't require a lengthy process.
From connection to allocation in four steps
The process is designed to be set up once and then run largely on its own, with oversight available whenever you need it.
Connect your accounts
Link your business bank accounts securely so Bishop Vermoholt can read balances and transaction patterns without manual data entry.
Set your parameters
Define how much liquidity you need on hand, your acceptable risk range, and any constraints on where surplus cash can be allocated.
Let the AI optimise
The system continuously reassesses your cash position and reallocates surplus funds in line with the parameters you've set.
Review and adjust
Check performance and allocation history at any time, and adjust your parameters as your business's cash needs evolve.
Cash left sitting idle is an opportunity cost
Most SMEs hold more operating cash than they need day-to-day, largely because actively managing it takes time and expertise most teams don't have spare.
Bishop Vermoholt was built to close that gap — automating the ongoing work of assessing surplus and allocating it sensibly, so businesses of any size can put cash to work without hiring a treasury function.
The platform is designed to fit around your existing banking setup rather than replace it, so adoption doesn't require an operational overhaul.
What's included with every account
These capabilities are part of the standard Bishop Vermoholt platform, not an add-on tier.