Part of Clariva · Money layer

Know your cash position
before payroll does.

Connect your business bank in 30 seconds with Plaid. Clariva watches your inflow, outflow, and runway — and pings you when something's off.

Get Clariva for $29/mo → See the dashboard
Bank-grade encryption Read-only access Powered by Plaid
What you get

Your finances,
finally on the same page.

💰

Live cash position

See real-time balances across every business account. Multi-bank, multi-currency, one number that matters.

📊

Inflow vs outflow

Weekly and monthly cash flow charts that show exactly where money's coming from — and where it's going.

🛬

Runway calculator

Based on your last 90 days of burn, we project how many months of runway you have. Auto-updates daily.

🏷️

Auto-categorization

Transactions tagged automatically: COGS, payroll, marketing, rent, software. Edit any rule once and it sticks.

🚨

Anomaly alerts

Unusual charge, duplicate vendor, unexpected wire? Get a Slack or email ping the moment it hits.

📅

Recurring revenue tracking

Stripe, Shopify, Square — we pull subscription patterns from your bank data and project MRR/ARR automatically.

Why Plaid

The secure standard.
11,000+ banks in Canada & US.

Read-only by design.

Clariva never moves money. We connect through Plaid in read-only mode — same standard used by Wealthsimple, Wave, QuickBooks, and most fintech apps you already trust. Your credentials never touch our servers.

Plaid OAuth Read-only access Encrypted at rest Revoke anytime

Canadian banks

RBC, TD, BMO, Scotia, CIBC, National Bank, Tangerine, Simplii, Desjardins, EQ Bank, and more.

US banks too

Chase, BofA, Wells Fargo, Capital One, and 11,000+ others if you operate cross-border.

How it works

From "I think we're okay"
to "we have 7.2 months of runway."

01

Click "Add Cash Flow"

Toggle the add-on during signup or from your Clariva dashboard later.

02

Connect with Plaid

Select your bank, log in through Plaid's secure portal (Clariva never sees your password).

03

We pull 24 months of history

Transactions are categorized automatically. Initial sync takes about 60 seconds.

04

Daily auto-refresh

Your numbers update every morning. Anomalies, balance changes, and runway shifts are pinged in real time.

FAQ

Cash Flow questions.

Is my banking data safe?+
Yes. We use Plaid — the same connection layer used by most Canadian fintechs. Your credentials never touch Clariva's servers; we receive read-only access tokens that we can't use to move money. All data is encrypted in transit (TLS 1.3) and at rest (AES-256).
Can Clariva move money or initiate transfers?+
No. We're read-only. Cash Flow is a surveillance and analytics tool, not a banking product.
Which Canadian banks are supported?+
RBC, TD, BMO, Scotiabank, CIBC, National Bank, Desjardins, Tangerine, Simplii, EQ Bank, Manulife, Laurentian, ATB, and most credit unions through Plaid's Canadian coverage.
What if I have multiple business accounts?+
Connect as many as you want. Clariva consolidates them into one cash view, but you can drill into each account individually.
Why is Cash Flow $15/mo instead of $12 like the others?+
Plaid charges us per connected account, so we pass through a small premium. You're still saving vs. tools like Float or Pulse which charge $30–$100/mo for similar functionality.
Can I disconnect my bank anytime?+
Yes — one click from your settings. We delete the Plaid access token immediately and stop pulling data. Historical data stays available unless you also delete it.

Stop guessing your cash position.

Add Cash Flow during signup or bolt it on later from your dashboard.

Start free trial → See pricing