Software & subscriptions$3600.4% of totalView supporting transactions
Illustrative sample records · Posted payments
Studio SoftwareAug 5, 2026 · Software & subscriptions
$360
Selected records total$360
All categories reconcile to $100,000. Supporting payment records are available for Payroll, Office supplies, and Software & subscriptions in this sample.
Spending increase•Recorded change
Studio Software payment increased
+$60+20% vs. July
Studio Software rose from $300 in July to $360 in August; review the invoice because the records do not establish why.
July → August 2026 · Illustrative sample data
Two payments suggest a monthly pattern—not a confirmed contract or future charge.
View supporting transactions 2 records
Illustrative sample records · Posted payments
Studio SoftwareJul 5, 2026 · Software & subscriptions
$300
Studio SoftwareAug 5, 2026 · Software & subscriptions
$360
Selected records total$660
Spending decrease•Recorded change
Recorded payroll spending decreased
−$6,000-12.5% vs. July
August payroll payments were lower than July; the records do not establish the cause or whether the change is favorable.
July → August 2026 · Illustrative sample data
Supporting transactions cover August only; July is an aggregate in this sample.
View supporting transactions 2 records
Illustrative sample records · Posted payments
Harbor PayrollAug 14, 2026 · Payroll
$21,000
Harbor PayrollAug 28, 2026 · Payroll
$21,000
Selected records total$42,000
Illustrative posted activity—not profit or a forecast. Actual answers depend on your available data.
Where would you like to explore next?Scripted demo · Choose a suggested question or a step
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Your business is unique. Your financial tools should be too.
We help connect your accounts, understand how your business operates, and build a financial picture you can actually use.
Harbor Studio / Business setupIllustrative example · Sample data
Connect
Your accounts in one place
Operating checking
$65,000Recorded bank cash
Savings
$40,000Recorded bank cash
Business credit card
$8,000Card liability · Not cash
Read-only financial connections
Personalize
Guided by a real person
Varda specialistIllustrative conversation
Let’s review how your business handles cash and spending, so your financial picture reflects how you operate.
Checking and savings are our cash accounts. We track spending by posted payments.
Bank cash confirmed
Checking + savings; excludes card debt
Spending confirmed
Posted payments, not accrued expenses
Business review complete
Understand
Your financial foundation
Recorded bank cash
$105,000
Monthly net cash movement
+$25,000
August 2026 · Cash activity, not profit.
A starting point for reports and planning
HUMAN-GUIDED ONBOARDING
Tailored to your business.
We take the time to understand how your business operates, review your financial activity together, and help establish the definitions that make your numbers meaningful.
We reviewed your financial activity together and confirmed how to classify your project deposits and transfers.
Business planning takes on a whole new meaning.
Varda's rules engine turns your financial activity into meaningful insights, so you can spot opportunities, manage risks, and plan with confidence.
Your financial dataTransactions, balances and vendors.
Varda's rules engineConsistent calculations and review signals.
Actionable insightsUnderstand changes and consider next steps.
Business insights
Illustrative example · Sample data
Review supplier pricing
Consider comparing supplier quotes or reviewing pricing. Higher spending alone does not prove unit prices rose.
June: $10,000 → July: $10,900 → August: $11,800. The $1,800 increase is 18% of June spending; quantities and unit prices are not available.
Plan for recurring costs
Consider the $8,400 monthly payment pattern when reviewing future spending. Confirm contracts and renewal terms first.
Workspace $4,200 + software $1,800 + equipment lease $1,200 + maintenance $1,200 = $8,400 in each sample month. Repetition suggests a pattern, not a confirmed future obligation.
Diversify your customer base
Review how reliance on these three customers could affect cash receipts, and consider opportunities to broaden the mix.
Customers A, B and C contributed $31,000 + $18,000 + $13,000 = $62,000 of $100,000. This measures cash receipts, not revenue or profitability.
Prepare for seasonal slowdowns
Use the historical pattern as a prompt to review cash reserves and staffing needs—not as a prediction of next winter.
December, January and February receipts were lower than every other month in both 2024 and 2025. Bars show the average for each calendar month across those two sample years. Two years do not establish a reliable seasonal forecast.
Illustrative business intelligence demonstration—not findings generated by Varda's production rules engine or a promise that every example is currently available in the product. Patterns suggest questions to review, not confirmed causes, forecasts, or guaranteed outcomes.
Trust & Security
Data privacy by design.
Read-only connections. Calculations grounded in available records. Supporting transactions you can examine.
Read-only. Always.
Varda connects through Plaid with read-only access — we can see your data, never move your money.
Encrypted in transit & at rest
Data is protected with TLS in transit and encrypted at rest by our infrastructure providers.
Not used by Varda to train AI
Varda does not use your business data to train AI models. OpenAI states that API inputs and outputs are not used for training by default.
Never sold. Never ads.
We don’t sell personal information or use your transaction data for targeted advertising.
We’re early, so we won’t claim certifications we don’t have — see our security roadmap.
LET'S TALK
Let's talk about your business.
Have questions about Varda or want to understand how it could work for your business? We'd love to hear from you.
No. Varda provides financial information and operational insights. It does not replace accounting software, a CPA, bookkeeper, attorney, or financial adviser, and it does not make payments or business decisions for you.