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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.

Where would you like to explore next?Scripted demo · Choose a suggested question or a step
1 / 8 · Where did my money go? · Scripted walkthrough
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Varda combines financial technology with real people who help you get set up and understand your business.

SELF-SERVICE AI

  1. Connect your data
  2. Provide business context
  3. Explore answers

You typically manage the financial setup and definitions yourself.

VARDA · HUMAN-GUIDED

  1. Connect your accounts
  2. We review your business together
    Financial classifications confirmedBusiness definitions established
  3. Ask Varda with your business context

The difference isn't just the AI. It's the people behind it.

Guided onboarding helps Varda reflect how your business actually operates.

About guided onboarding

A comparison of setup approaches, not AI model capabilities. Onboarding focuses on supported classifications and definitions—not ongoing manual review or unlimited consulting. Confirmations apply to reviewed records; they do not automatically create future-payment rules or guarantee accurate answers.

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.

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BUSINESS PROFILE

Harbor Studio

Illustrative business onboarding

  • Financial accounts connected
  • Business definitions reviewed
  • Transactions classified together
Varda TeamIllustrative example

We reviewed your financial activity together and confirmed how to classify your project deposits and transfers.

Your business has questions. Varda has answers.

From cash balances to rising expenses, see how Varda turns financial activity into a clearer picture of your business.

Illustrative example · Sample data
01 / 06 · Spending

Where is my money going?

See how August’s posted spending breaks down by category—not accrued expenses or profit.

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

Top three categories shown. All categories reconcile to $100,000. Supporting payment records are available for Payroll, Office supplies, and Software & subscriptions in this sample.

1 of 6: Where is my money going?

Illustrative Harbor Studio records—not your financial data. Actual answers depend on available records and classifications.

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.
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