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Kriva
Can you afford more employees? or do you know your cashflow?
3 followers
Can you afford more employees? or do you know your cashflow?
3 followers
Kriva — AI-CFO for small businesses that can't afford a real one. Kriva connects to your accounting system (Fiken, Tripletex, Xero, QuickBooks, 30+ others) and turns your numbers into things you can actually act on: A financial health score, updated automatically Cash runway and burn rate Client-concentration risk warnings Live "what if" scenario simulations Built for the small businesses too small for a CFO but too complex to guess.
How does the financial health score actually get calculated under the hood, and can I see what metrics are pulling it down on a given day?
@erturul14434985 Hi, Good question, happy to break it down.
The health score starts at 100 and three things pull it down:
Burn rate — if your expenses exceed revenue, points come off scaled to how deep that burn is relative to your expenses.
Cash runway — steeper deductions the closer you get to running out of cash (biggest hit under 3 months, smaller hits under 6 and 12 months).
Debt-to-cash ratio — points off if your debt load is high relative to cash on hand.
It's fully deterministic no black-box model, just your actual numbers from Fiken/Tripletex/Xero/etc. run through the same formula every time, so you can always see why it moved.
One thing I'll be upfront about: client concentration (e.g. one customer being most of your revenue) is currently shown as a separate risk flag, not yet folded into the score itself — so it's possible to have a "healthy" score while carrying real concentration risk. That's next on my list to fix, along with a full breakdown view showing exactly which factor moved your score and by how much (right now you see the number and the top risk, not the full point-by-point breakdown).
Building this solo, so feedback like this is genuinely useful thanks for asking instead of assuming.