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.
varda ✦ Demo · Sample data Hide demo Demo step 1 / 8 · Where did my money go? 2 / 8 · Show my vendor expenses 3 / 8 · Explore a recurring expense 4 / 8 · What needs my attention? 5 / 8 · How much cash do I have? 6 / 8 · Show Money In & Out 7 / 8 · Explore the cash details 8 / 8 · Give me the big picture
EXAMPLE BUSINESS Harbor Studio 01 Where did my money go?02 Show my vendor expenses03 Explore a recurring expense04 What needs my attention?05 How much cash do I have?06 Show Money In & Out07 Explore the cash details08 Give me the big pictureHarbor Studio / Conversation August 2026
Where did my money go in August?
Spending · August 2026
Here is your August spending breakdown. $100,000Total recorded August spending
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
Show my vendor spending over the last six months. → Illustrative posted activity—not profit or a forecast. Actual answers depend on your available data.
Ask a follow-up question… ↑
YOUR RECORDS Bank accounts & cards
VARDA CALCULATES Consistent financial rules
AI EXPLAINS Clear, useful answers
Illustrative example · Sample data What did we spend on payroll in August? Recorded payroll spending
$42,000 View supporting records Operating checking · August 2026 · Sample records Date Description Category Amount Aug 14, 2026 Harbor Payroll Payroll $21,000 Aug 28, 2026 Harbor Payroll Payroll $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.
01 Connect Connect supported bank accounts and cards, or upload your records.
02 Organize Bring financial activity together, with supported transfer matching and categories.
03 Review Together Review unclear payments and confirm labels and supported definitions that fit your business.
04 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 checking Recorded balance · Aug 31, 2026
$65,000 Savings Recorded balance · Aug 31, 2026
$40,000 Business credit card Recorded 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 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 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 Date Payee Amount Aug 14 Harbor Payroll $21,000 Aug 28 Harbor 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 $105,000Recorded checking + savings balance · Aug 31, 2026
$72,000 Jun $80,000 Jul $105,000 Aug Cash increased in August +$25,000 · +31.3%
Payroll decreased vs. July −$6,000 · −12.5%
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 Operating checking Bank balance $186,420
Business savings Bank balance $125,121
Chase Ink ···· 4721 Card balance $3,890
Amex Blue Business ···· 1904 Card balance $3,240
Capital One Spark ···· 8836 Card 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.
Explore the full product walkthrough → 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 .
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?
Will it work with my AI tools?