It’s not that you’re bad with money. You just don’t have the time – or the headspace – to track every payment, forecast cash flow, and stay on top of tax deadlines while running your business. And you’re not alone.

Most founders, freelancers, and small teams are stuck with cobbled-together systems: a spreadsheet here, a banking app there. You check in when you can, hope for the best, and deal with issues when they become urgent. But financial stress shouldn’t be the default setting for people building something from nothing.

That’s why I built Penny.

It’s not a miracle, and it’s not a dashboard. It’s an AI-powered finance co-pilot – calm, clear, and finally proactive.

And from 4th April, it enters beta testing.

What Penny does (and doesn’t)

Penny isn’t here to replace your accountant. It doesn’t offer investment advice or handle your taxes. Instead, it works in the background – tracking patterns, flagging financial risks, and helping you prepare for the decisions that matter.

Think of it as a second pair of eyes on your finances. One that doesn’t need sleep.

• It learns your regular expenses and flags anomalies
• It forecasts cash flow based on what’s coming in and going out
• It reminds you of tax dates, payments, and invoices before you miss them
• It gives you clarity without needing constant check-ins or manual input

No stress. No spreadsheets. Just a better grip on what’s going on.

Why this matters

Most founders already use a tool or two. But if those tools truly worked, financial stress wouldn’t be so common.

The problem is that most finance platforms are built for people who already understand financial systems – people with teams, CFOs, or full-time bookkeepers. They’re reactive. They don’t anticipate problems. And they certainly don’t make life easier for someone doing everything themselves.

Penny is different. It doesn’t require prompts or perfect inputs. It’s built to understand the chaos of running a small business – and help you bring structure to it.

Built for the ones doing it all

Penny was designed for:

• Founders spinning plates while trying to grow a business
• Freelancers managing inconsistent income and multiple clients
• Early-stage teams who need clarity but don’t have a finance team

She’s not trying to impress you with flashy dashboards or technical jargon. She’s here to quietly take care of the financial legwork – so you can make better decisions without the background stress.

More than just Penny

Penny is the first of five AI co-pilots being rolled out by Solvora.ai – a platform I built to solve the same operational pain points I experienced while managing multiple ventures.

Each co-pilot handles a different domain:

• Penny – Finance
• Harper – Legal
• Lex – Governance
• Vero – Cybersecurity
• Lana – Procurement

Solvora isn’t another dashboard or tool stack. It’s an intelligence layer that helps founders, solopreneurs, and operators run their businesses better – by reducing admin, mitigating risk, and enabling smarter decisions through proactive insights and automation.

Beta is open – and you’re invited

From 4th to 14th April, we’re inviting 200 real founders, freelancers, and small teams to join Penny’s private beta.

No cost. No pressure. Just an opportunity to test Penny in real business conditions, share feedback, and help shape what better financial clarity should actually look like.

If you’ve ever thought:

“I just want someone to help me stay on top of my finances…”

“I don’t want to waste money on advice I don’t need – I just want to know what to ask for…”

Then you’re exactly who we built Penny for.

There’s no silver bullet in business finance. But there is something better than second-guessing your numbers, scrambling to make payments, and running blind on cash flow.

Penny won’t run your business for you. But it’ll make sure you’re not doing it alone.

Disclaimer: Penny does not provide financial, legal, or investment advice. It is designed to support financial awareness and help business owners make better-informed decisions. Always consult with a qualified professional where appropriate.

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