Financial intelligence for growing businesses
Qelly checks every combination of the choices in front of you, not only the obvious plan. It shows which plans protect your cash, what they cost, and the one fact that could change the answer.
We're building Qelly for growing businesses and for the lenders and investors who finance them. Every figure is calculated and independently replayed. Language models never supply the numbers.
Explore a decisionA question worth asking
The fact that matters
A US$64,000 receipt from your largest customer, invoiced for week 2.
Their latest message “We'll release the payment right after our quarter close.”
Every plan, checked
Each row is one decision. Bars show the share of working plans that use an option. Select an option to require it.
Opening cash is US$150,000 and the reserve is US$50,000. Committed weekly flows net confirmed collections against payroll, rent, taxes and loan service. The US$64,000 receipt sits in week 2 unless you move it. Late fees, the staging fee, the premium for ordering later and credit interest are paid in cash in the week they apply, so they lower closing cash; the early-payment discount reduces that week's payment. The one cost that is not a cash payment is an estimate of the margin lost by deferring the order beyond week six.
| Week 1 | Week 2 | Week 3 | Week 4 | Week 5 | Week 6 |
|---|---|---|---|---|---|
| +10,000 | +20,000 | +70,000 | +45,000 | +10,000 | +70,000 |
| Week 1 | Week 2 | Week 3 | Week 4 | Week 5 | Week 6 |
|---|---|---|---|---|---|
| 52,000 | 50,790 | 50,270 | 54,550 | 64,550 | 53,150 |
Method. The six weeks form a chain. Between weeks Qelly carries the closing cash and which decisions are still open. Multiplying the weekly constraint tables once with ordinary arithmetic counts every plan that never dips below the reserve; doing it again in min-plus arithmetic returns the cheapest one. An independent replay then re-adds the chosen plan week by week. This is dynamic programming written as a tensor-network contraction, so the same instance also exports to MILP, QUBO, Ising and CQM formats for other solvers.
A transparent synthetic example, not a connected client account or a live product feature. Exact means every combination of the listed options was checked against these inputs; it does not make the inputs right. Scenarios carry no probabilities. Returns on the equipment are not modeled, and costs beyond week six are outside this example.
The product we're building
Qelly keeps the financial picture, the open questions and the decision in one place. The first focus is liquidity: obligations, collections, financing, and the next commitment a growing business is considering.
Customer emails, supplier terms, invoices and bank data become structured facts. Each keeps its source, its date, and whether a person has confirmed it. Text is read into bounded judgments, never into free-form numbers.
Qelly counts every combination of payment timing, staging and financing that keeps cash above your reserve, finds the cheapest, and shows what all working plans have in common.
It reruns the search under each open fact, such as a collection date, a covenant or a credit commitment, and tells you what confirming it could save before you commit.
Each recommendation carries its inputs, an independent replay of the arithmetic, and a fingerprint. Management makes the call, and shares the record with a lender or investor only by choice.
The same business facts support different decisions. Objectives, available actions, constraints, and access determine the experience.
Can we afford the next commitment while protecting cash?
Bring management priorities, budgets, obligations, and operational constraints. Compare hiring, expansion, inventory, payment timing, and documented financing.
Cash outlook, material gaps, feasible responses, and the conditions management needs to review.
Does this business support the proposed financing or investment?
We're designing Qelly to support financial due diligence on the same verified record: repayment capacity under the scenarios you care about, covenants, collateral, the evidence behind each fact, and what is still unconfirmed. Investor decisions also require price, ownership, horizon, and portfolio objectives.
Repayment scenarios and financing tradeoffs first. Broader equity-investment and valuation workflows are on the roadmap.
Our launch approach
Use Qelly through the assistants you already know. We're building connectors for ChatGPT and Claude, supported by a Qelly workspace for records, permissions, assumptions, and approved reports.
Maintained business state · Calculations · Scenarios · Evidence
The host assistant handles the conversation. Qelly performs and records the financial work. One financial service can support multiple interfaces.
Planned: validate one connector, then add the second.For optimization and quantum teams
Qelly's search is exact, so each instance ships with ground truth: the optimal plan, the number of feasible plans, and how often each option appears. We export the same instances for annealers, gate-model hardware and classical solvers, and replay any returned answer with an independent checker.
No quantum advantage is claimed. This is how we intend to find out where one appears.
See the benchmark and the measurementsBuild the first chapter with us
We're seeking design partners: a lender or advisory firm with a portfolio of growing businesses, and the businesses themselves. Bring a recurring cash or financing decision. Help shape the workflow around real operating needs.
Discuss a pilotExact search. Verified decisions. An open benchmark for classical, quantum-inspired and quantum solvers.
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