%20--%3e%3cpath%20d='M%2093,43%20A%2040,40%200%201%200%2093,77'%20fill='none'%20stroke='url(%23arcG)'%20stroke-width='19'%20stroke-linecap='round'/%3e%3c!--%20Small%20teal%20inner%20arc%20echo%20(adds%20depth)%20--%3e%3cpath%20d='M%2087,49%20A%2030,30%200%201%200%2087,71'%20fill='none'%20stroke='%2322A0B4'%20stroke-width='3'%20stroke-linecap='round'%20opacity='0.25'/%3e%3c!--%20Gold%20spark%20circle%20at%20top%20tip%20of%20C%20--%3e%3ccircle%20cx='93'%20cy='43'%20r='13'%20fill='%23C9A84C'%20filter='url(%23glow)'/%3e%3ccircle%20cx='93'%20cy='43'%20r='8'%20fill='%23E8C96A'/%3e%3ccircle%20cx='93'%20cy='43'%20r='4'%20fill='white'/%3e%3c!--%20Small%20accent%20dot%20at%20bottom%20tip%20--%3e%3ccircle%20cx='93'%20cy='77'%20r='5'%20fill='%231A7A8A'%20opacity='0.6'/%3e%3c/svg%3e)
Know your cash.
Never miss your tax. Powered by AI.
CLARIVANCE AI gives UK sole traders and micro-businesses a 52-week cash flow forecast, real-time tax ring-fencing, and one-click HMRC Making Tax Digital filing — all in one platform.
No credit card required · Cancel anytime · UK data only (AWS London)
UK micro-businesses are flying blind — and HMRC is about to close the runway.
Cash Flow Blindness
60% of UK SME failures are caused by cash flow mismanagement — owners simply can't see what's coming.
MTD Deadline April 2026
HMRC's MTD mandate requires quarterly digital filing for sole traders earning above £50,000.
Year-End Tax Shocks
43% of self-assessment filers face an unexpected tax bill they hadn't ring-fenced cash for.
Gap in the Market
Fluidly, the UK's leading cash flow AI, shut down in April 2023 — leaving a gaping hole.
Three modules. One platform. Complete financial clarity.
CashRadar™
AI Cash Flow Forecasting
13 to 52-week rolling forecasts powered by our Behavioural Financial DNA Engine. See cash crunches up to 12 weeks before they hit.
TaxShield™
Real-Time Tax Ring-Fencing
HMRC MTD API connection, real-time tax calculation on every transaction, and one-click quarterly filing. Never face a tax shock again.
ActionFlow™
Prescriptive Action Engine
Weekly action lists, invoice chase recommendations, and a financial health score updated weekly. Always know your next move.
The Behavioural Financial DNA Engine
Every business has a unique financial fingerprint. CLARIVANCE AI learns yours.
Client Payment Profiling
Learn how each customer actually pays — not just their stated terms.
Seasonal Rhythm Detection
Detect quarterly, monthly and weekly cycles unique to your business.
Unified Cash + Tax Timeline
One forecast that combines what you'll earn and what you'll owe HMRC.
Early Crisis Detection
Spot cash crunches up to 12 weeks before they hit — with time to act.
Works with the tools you already use
Connect once. CLARIVANCE AI does the rest.
I've worked with over 30 sole trader clients. Every single one has been caught out by an unexpected tax bill or a cash crunch they didn't see coming. That's the problem CLARIVANCE AI was built to eliminate.
MTD is coming. Get ahead of it.
Reserve your free 90-day trial. We'll be in touch when CLARIVANCE AI is ready for you.