Your business cash shouldn’t be a mystery.

Varda untangles all your small business accounts for total financial clarity. Built for founders — ask Varda today.

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Varda provides financial information and operational insights, not accounting, tax, legal, or investment advice.
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Command Center
Cash Position
$311,541
↓ 12% vs last month
May 1May 15May 31
Top Changes
Payroll timing-$3,650
Insurance renewal-$1,250
Unpaid invoices (2)-$2,840
What is Varda?

Varda solves the headache of messy bank transactions and so much more.

Command center

Every account, one screen.

Stop switching between bank portals to answer a basic question. Varda brings the accounts for your selected business into one clear view.

Current connected balances in one place
Each business remains separate
No spreadsheet required
Overview
Cash on hand
$311,541
Money in
$92,410
Money out
$77,180
Business checkingSelected business$186,420
Savings & reserveSelected business$125,121
Credit cards owedSelected business-$3,890
Cash flow
Mar
Apr
May
Jun
Jul
Aug
■ Money in■ Money outIdentified transfers excluded
Money in & out

See where it actually went.

Review recorded money in and money out with identified internal transfers removed so the same movement is not counted twice.

Period-over-period activity
Categories that reflect your business
Supporting transactions underneath
Vendor center

Know what changed with vendors.

Varda organizes vendor activity and surfaces changes against the transaction history available for that business.

Vendor totals and transaction counts
Possible price changes to review
Recurring charges in one place
Vendors
ABC Supplies$12,480
Metro Plumbing$7,220
Northwind Fuel$5,140
All other vendors$29,900
+8%   ABC Supplies increased against its trailing average
Review   Adobe recurring charge shows limited recent activity
Needs review
Duplicate Payment

Two similar payments to ABC Supplies within 7 days.

InvestigateMark as Safe
Risk Score
100
High
$4,400
First-Time Vendor - Large

A one-time payment to a vendor that appears only once.

InvestigateMark as Safe
Risk Score
80
High
$6,800
Dormant Vendor Reactivated

Vendor activity resumed after 112 days with a different amount.

InvestigateMark as Safe
Risk Score
70
Medium
$233.88
Protection center

Catch what you might have missed.

Transactions are checked against 31 payment and vendor patterns. When something looks unusual, Varda provides the detail for you to review.

Possible duplicate payments
First-time vendors and route changes
Indicators, never accusations
Ask Varda

Ask it like you would a person.

Ask a historical question about the selected business and receive a plain-English answer grounded in the records Varda can see.

Plain-language answers
Links back to supporting dashboard views
Unlimited questions on supported plans
Ask Varda
Which vendors increased prices?
Two vendors increased against their trailing average.
ABC Supplies increased 8% and Metro Plumbing increased 6% in the selected period.
● Based on connected transaction data
Watch The Demo

Up and running in minutes. No training required.

app.varda.com
Swipe to explore the full dashboard
varda
Overview
Ask Varda
Command Center
Money In & Out
Goals
Monitor
Alerts1
Transactions
Vendors
Subscriptions
Insights
People
Protection Center
Settings
Categories14
Settings
VProtecting your businessLast scan: 6d ago
Search transactions…
ExportSign outAdd Data
varda
Ask. Then see the detail.
01Ask
02Money
03Vendors
04Insights
How It Works

From raw transactions to a clear answer.

Every question follows the same controlled path from your connected records to a plain-English explanation.

Step 1 — Secure connection
Bank accounts
Credit cards
Up to 5 separate businesses
Varda
▣ Read-only via Plaid
Read-only access. Varda can never move money.
What Varda Can Do For You

Answers based on data. Period.

Ask a question, get the answer, then see the numbers behind it.

Where is my money?
$307,651 across 4 accounts.
Business checking$186,420
Savings & reserve$125,121
Credit cards owed-$3,890
Based on your connected records
Money in vs money out
Last 6 months
Money in
$486,200
Money out
$412,940
Net
+$73,260
Mar
Apr
May
Jun
Jul
Aug
■ Money in■ Money out

Illustrative examples show the types of answers Varda can provide. Results depend on the completeness and timing of connected data and may require your review.

Small business fraud alerts

31 patterns, checked against every transaction to protect your business.

Varda reviews each business against transaction and vendor patterns calibrated for the size and history of that business.

28
Baseline rules available for every individual business.
3
Comparison rules that activate when enough location or account data is available.
31
Total rule definitions enabled today across seven categories.
Payment irregularities
6 rules
Duplicate paymentsOff-schedule paymentsFirst-time vendorsHigh amount spikesMedium amount spikesRound-dollar payments
ACH & wire activity
3 rules
New wire destinationsNew ACH originatorsUnusual ACH amounts
Check activity
3 rules
Duplicate checksOut-of-sequence checksRound-dollar checks to new payees
Cards & recurring charges
5 rules
Unknown card paymentsNew recurring chargesCard-testing patternsRapid repeat chargesCreeping subscriptions
Spending & operating patterns
6 rules
Spending-velocity changesVendor concentrationOff-hours paymentsWeekend disbursementsPayroll anomaliesDormant vendors becoming active
Vendor & insider patterns
5 rules
Possible payment-channel changesPayments below approval thresholdsShell-like vendorsLook-alike vendor namesSteady payment drains
Multi-location comparisons
3 rules
Category-cost outliersVendor price differencesVendors appearing at only one location
These are indicators, not proof. Varda labels a payment as a possible duplicate or needs review, never as fraud detected. You decide what to do next.
Coming Soon

Works inside the AI tools you already use.

Connect Varda to your favorite AI tools to ask questions about your business, review alerts, and catch up on updates, all backed by your real numbers.

Works with ChatGPT, Claude & Gemini
Answers grounded in connected records
Secure, read-only connection
varda-api · request
// Ask Varda from any tool
POST /v1/ask
{
"question": "Why is money out up 10%?"
}
// Response · grounded in connected data
{
"answer": "Extra payroll run Jun 15 + $4,400 possible duplicate",
"change": 7330,
"verified": true
}
Weekly Business Briefing

Your Monday morning advantage.

Every Monday, Varda emails you a clear briefing of what happened, what changed, and what to watch.

varda
Good morning, Alex
Here’s your business briefing for May 24, 2024.
Money In
$52,832
↑ 9%
Money Out
$44,622
↑ 4%
Cash Change
+$8,210
Positive
What changed this week
Money in increased 9% compared to last week
Office supplies increased 18% ($386)
Compare

Built for owners who need answers, not more reports.

See how Varda differs from traditional accounting software and general-purpose AI tools.

Category
Traditional accounting tools
General-purpose AI
Varda
Built for
Built for bookkeeping, reporting, and tax preparation
Built for broad questions, research, and everyday tasks
Built only for business owners
Data foundation
Maintains structured books and a general ledger
Works with the context, files, and connections you provide
Reviews the bank feed itself
What you receive
Produces detailed financial statements and reports
Generates flexible conversational analysis
Transaction alerts + weekly briefing
Multiple businesses
Supports multiple entities through dedicated company setups
Can compare businesses when the right context is supplied
Up to 5 businesses side by side
AI questions
AI capabilities vary by product and plan
Broad reasoning across many topics
Unlimited questions grounded in your records
Trust & Security

Data privacy by design.

Varda monitors your business without ever holding the keys to your money.

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.
Never used to train AI
Your business data is never used to train AI models, and answers are grounded in the records available to Varda.
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.
Custom solutions

Every business is different. So is your dashboard.

Tracking something unusual, like job costing, multiple locations, or seasonal cash cycles? We’ll build a custom dashboard around how your business actually runs.

Tell us what you need
Pricing

Simple pricing. Built for owners, not accountants.

14-day free trial. Full access. Cancel anytime.

Most popular
Solo
One business, all your accounts.
$29/mo
Unlimited accounts & cards
Ongoing transaction monitoring
Unlimited Ask Varda questions
Weekly business briefing
Vendor & subscription tracking
Start 14-day free trial
Multi-business
Up to 5 businesses, compared side by side.
$49/mo
Everything in Solo
Up to 5 businesses
Cross-business comparison
Protection center
Priority support
Start 14-day free trial
Every plan includes unlimited Ask Varda questions, transaction alerts, and the Monday briefing.
No long-term contracts. Cancel in one click.

FAQ

Is Varda another accounting tool?
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.
Can Varda move or change my money?
How does Varda identify unusual activity?
What can I ask Varda?
Will it work with my AI tools?
Is my data safe?
Still have questions? Connect with our team →