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Financial Intelligence For Small Business and Nonprofits

Bring your accounts together. Understand your cash, expenses, and financial activity—and ask questions with answers grounded in your records.

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varda Demo · Sample data

Harbor Studio / Conversation August 2026

YouWhere did my money go in August?

Varda · Spending · August 2026

Here is your August spending breakdown.

Total recorded August spending$100,000August 2026 · Posted payments
PayrollLargest category$42,00042% of totalView supporting transactions

Illustrative sample records · Posted payments

  • Harbor PayrollAug 14, 2026 · Payroll
    $21,000
  • Harbor PayrollAug 28, 2026 · Payroll
    $21,000
Selected records total$42,000
Inventory$28,00028% of total
Rent & utilities$18,00018% of total
Business insurance$3,0003% of total
Marketing & advertising$2,5002.5% of total
Cleaning services$2,0002% of total
Repairs & maintenance$1,6401.6% of total
Professional services$1,5001.5% of total
Office supplies$5000.5% of totalView supporting transactions

Illustrative sample records · Posted payments

  • Harbor Office SupplyAug 19, 2026 · Office supplies
    $250
  • Harbor Office SupplyAug 19, 2026 · Office supplies
    $250
Selected records total$500
Other spending$5000.5% of total
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 increaseRecorded 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 decreaseRecorded 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.

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1 / 8 · Where did my money go? · Scripted walkthrough
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Built on financial rules. Explained by AI.

Varda organizes your records, calculates the numbers, and uses AI to explain the results.

Illustrative example · Sample data

Start with the payments in your records.

Operating checking · August 2026 · Posted payments

Aug 14, 2026 · Harbor Payroll$21,000
Aug 28, 2026 · Harbor Payroll$21,000
View supporting records
Operating checking · August 2026 · Sample records
DateDescriptionCategoryAmount
Aug 14, 2026Harbor PayrollPayroll$21,000
Aug 28, 2026Harbor PayrollPayroll$21,000
Total$42,000

Includes these two posted payments classified as Payroll—not accrued payroll or profit. Missing records or incorrect classifications affect results; AI explanations need review.

Recorded financial totals are calculated from the records in scope—not AI-generated estimates.

We learn your business before we help you understand it.

Varda organizes your activity. You help resolve uncertain classifications and business-specific definitions, so the answers reflect what your payments mean.

  1. Connect

    Connect supported bank accounts and cards, or upload your records.

  2. Organize

    Bring financial activity together, with supported transfer matching and categories.

  3. Review Together

    Review unclear payments and confirm labels and supported definitions that fit your business.

  4. Ask Varda

    Explore cash and spending, then examine the records behind the answer.

Explore the onboarding walkthrough →

What can you understand about your business?

Explore a question to see a sample answer—from cash and vendors to recurring spending and payments worth reviewing.

How much cash do I have across my accounts?Explore sample account balances
Illustrative example · Sample data

Connect a supported institution or upload your records. This walkthrough does not connect real accounts.

Operating checkingRecorded balance · Aug 31, 2026
$65,000
SavingsRecorded balance · Aug 31, 2026
$40,000
Business credit cardRecorded amount owed · Aug 31, 2026
$8,000
One workspace. Separate account detail.

Checking + savings: $105,000 cash. The credit card amount owed is a liability, not bank cash.

Connect or upload → Review account labels → Explore consolidated activity

Your answers depend on the records available to Varda. These are examples, not your financial data.

Where did my money go last month?Explore the sample August spending breakdown
Illustrative example · Sample data

August spending

$100,000
Payroll$42,000
Inventory$28,000
Rent & utilities$18,000
Business insurance$3,000
Marketing & advertising$2,500
Cleaning services$2,000
Repairs & maintenance$1,640
Professional services$1,500
Office supplies$500
Other spending$500
Software & subscriptions$360

Your answers depend on the records available to Varda. These are examples, not your financial data.

Which expenses are increasing?Explore a sample payroll comparison
Illustrative example · Sample data

Payroll fell by 12.5%

−$6,000
July$48,000
August$42,000

This sample shows a decrease—not an increase. The same comparison helps identify changes without assuming their cause.

Your answers depend on the records available to Varda. These are examples, not your financial data.

Who are my largest vendors?Explore sample vendor spending
Illustrative example · Sample data
Top 10 vendors by spendFeb 1 – Jul 31 · 6 months
01ABC Supplies$48,920
02Metro Plumbing$36,480
03Northwind Fuel$29,740
04Brightline Rent$26,700
05Gusto Payroll$24,600
06Restaurant Depot$18,925
07Google Ads$13,200
08City Utilities$9,840
09Verizon Business$4,920
10QuickBooks Online$540
Posted vendor paymentsTop 10 total: $213,865

Separate illustrative vendor dataset · February–July. Not the August payroll example.

Your answers depend on the records available to Varda. These are examples, not your financial data.

What recurring payments am I making?Explore repeated sample payroll payments
Illustrative example · Sample data

Repeated payroll payments

Illustrative August payroll records
DatePayeeAmount
Aug 14Harbor Payroll$21,000
Aug 28Harbor Payroll$21,000

Two recorded payments totaling $42,000. Repetition alone does not establish a subscription, future schedule, or upcoming payment.

Your answers depend on the records available to Varda. These are examples, not your financial data.

What should I be paying attention to?Explore sample cash and payroll insights
Illustrative example · Sample data
Total recorded bank cash$105,000Checking + savings · Aug 31, 2026
+$33,000 +45.8% · June → August
$72,000Jun$80,000Jul$105,000Aug
Aug 2026 · Recorded month-end balance $105,000
Operating checking$65,000Aug 31, 2026
Savings$40,000Aug 31, 2026
Cash balanceRecorded change

Recorded bank cash increased

+$33,000+45.8%

Combined checking and savings balances increased between the recorded June and August month ends.

June → August 2026 · Illustrative sample data

A balance change is not profit; the sample does not establish daily balances.

View supporting balances
Jun 2026 · Recorded month-end
$72,000
Jul 2026 · Recorded month-end
$80,000
Aug 2026 · Recorded month-end
$105,000

Only three recorded month-end observations are shown; connecting lines do not establish daily balances. Operating cash in this example means recorded checking + savings balances—not cash flow or profit. Credit card debt is a liability, not bank cash.

Your answers depend on the records available to Varda. These are examples, not your financial data.

Can I see my accounts in one place?Explore the sample Command Center
Illustrative example · Sample data
Bank balances
$311,541
Card balances
$9,730
Connected accounts
5
Operating checkingBank balance$186,420
Business savingsBank balance$125,121
Chase Ink ···· 4721Card balance$3,890
Amex Blue Business ···· 1904Card balance$3,240
Capital One Spark ···· 8836Card balance$2,600

Separate illustrative Command Center dataset. Bank balances and credit-card amounts owed are shown separately.

Your answers depend on the records available to Varda. These are examples, not your financial data.

Which payments need a closer look?Explore sample Protection Center signals
Illustrative example · Sample data

Payments worth a closer look

  • Possible duplicate payment$4,400

    Two similar payments to ABC Supplies within 7 days.

  • First-Time Vendor - Large$6,800

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

  • Dormant Vendor Reactivated$233.88

    Vendor activity resumed after 112 days with a different amount.

Separate illustrative Protection Center examples. These are review signals—not proof of fraud, errors, or recoverable savings.

Your answers depend on the records available to Varda. These are examples, not your financial data.

Have a question about your own business?

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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.
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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.
Still have questions? Connect with our team →