LiaFi, a fintech platform built specifically for small businesses, has unveiled major enhancements to its TOR Score dashboard a tool designed to simplify one of the biggest challenges entrepreneurs face: understanding and managing cash flow. The TOR Score, which stands for Track, Optimize, Refine, turns complicated transaction patterns into a single, easy-to-understand metric that shows how stable a business’s cash flow is, when surplus funds might be available, and when risk periods could be approaching. For business owners who juggle operations, sales, and customer service every day, this kind of clarity can replace hours of spreadsheet work with insights available at a glance.
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Through its partnership with Magnolia Bank, LiaFi brings this cash flow intelligence directly into the hands of small business owners. Deposits are FDIC-insured through Magnolia Bank, Member FDIC, giving entrepreneurs both financial stability and confidence. According to CEO and Founder Bruce Hrovat, the goal is to bring tools normally reserved for larger companies into the hands of the smallest ones. “Small business owners are already pressed for time managing operations, hiring, and customer service,” he said. “The TOR Score dashboard gives them visibility into their cash flow patterns at a glance, without hours of spreadsheet analysis.”
This kind of help couldn’t come at a better time. The Federal Reserve’s 2024 Small Business Credit Survey found that more than half of small businesses struggled with uneven cash flow over the past year—a challenge that affects companies regardless of size or industry. Traditional banking and accounting tools often fall short in helping entrepreneurs understand why their cash flow fluctuates or how to prepare for shifts. A balance statement shows how much money is there today, but not whether next month might bring a surplus or a period of tight liquidity.
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The TOR Score bridges this long-standing gap by analyzing transaction timing and volatility, revealing patterns hidden in day-to-day account activity. A business can have strong credit and steady sales yet still struggle with cash flow swings that leave money idle or create unnecessary financial pressure. By translating raw transaction data into a clear score, LiaFi gives small business owners the kind of real-time financial intelligence that corporate treasury teams use—without the complexity.
These insights integrate directly into LiaFi’s broader Small Business Platform, which pairs cash flow visibility with immediate tools to act on it. The platform includes a high-yield business account that earns 2.50% APY* on operating cash, giving owners a simple way to move surplus funds to earn returns while keeping them fully accessible. The dashboard brings everything account activity, cash flow patterns, and actionable insights into one streamlined view. With no monthly maintenance fees, a $100 opening balance requirement, and FDIC insurance, the account is built for small businesses that need both simplicity and control.
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Ultimately, the enhanced TOR Score is part of LiaFi’s larger mission to democratize financial tools that small businesses have historically lacked. By making sophisticated cash-management intelligence available in an intuitive format, LiaFi helps entrepreneurs make faster, more confident decisions—and spend more time running their business instead of wrestling with spreadsheets.
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