ELIZABETHTOWN, Ky., December 03, 2025–(BUSINESS WIRE)–LiaFi, a Fintech platform built for small businesses, today announced enhancements to its TOR Score dashboard, a proprietary cash flow variability metric designed to give sole proprietors and small business owners clarity on their financial health. The TOR Score, short for Track, Optimize, Refine, translates complex transaction data into a single score that reveals cash flow stability, identifies surplus opportunities, and flags potential risk periods. With this visibility, business owners can make informed decisions about their operating cash without hours of spreadsheet analysis.

The TOR Score provides small business owners with insights into cash flow patterns that traditional banking tools do not capture. Through its partnership with Magnolia Bank, LiaFi delivers cash flow intelligence that helps entrepreneurs understand the timing and variability of their cash flows, enabling better decisions about when to deploy surplus funds or prepare for tight periods. Deposits are FDIC insured through Magnolia Bank, Member FDIC.

“Small business owners are already pressed for time managing operations, hiring, and customer service,” said Bruce Hrovat, CEO and Founder of LiaFi. “The TOR Score dashboard gives them visibility into their cash flow patterns at a glance, without hours of spreadsheet analysis. We’re making sophisticated cash management accessible to entrepreneurs who don’t have dedicated finance teams.”

Why This Matters for Small Business Owners

According to the Federal Reserve’s 2024 Small Business Credit Survey, 51% of small firms cited uneven cash flows as a financial challenge in the prior 12 months.¹ This challenge affects businesses across industries and revenue levels, yet most small business owners lack sophisticated tools to monitor and respond to cash flow variability. Business checking accounts show balances, but they do not reveal patterns. Accounting software tracks expenses, but it does not translate activity into actionable intelligence about whether surplus cash could be earning returns or whether a tight period is approaching.

The TOR Score is designed to bridge this gap by analyzing transaction timing, patterns, and cash flow volatility to give entrepreneurs clear insight into their cash inflows and outflows. A business can have excellent credit but still struggle with uneven cash flows that leave money sitting idle during surplus periods or create unnecessary stress during lean weeks. The TOR Score transforms raw transaction data into a metric that small business owners can check as easily as they check their account balance, helping them understand whether they have excess cash sitting idle or need to prepare for a tight month.

Product Features

The TOR Score integrates within LiaFi’s Small Business Platform, which combines cash flow visibility with tools to act on those insights. The platform includes a high-yield business account offering 2.50% Annual Percentage Yield (APY)* on operating cash, allowing business owners to transfer surplus funds with a few clicks and no limits on the monthly number of transfers.** The intuitive dashboard consolidates account activity and cash flow insights in a single view, giving entrepreneurs a financial management hub that combines visibility, yield, and control. The account requires a $100 opening balance, has no monthly maintenance fees,² and deposits are FDIC insured through Magnolia Bank, Member FDIC.

LiaFi built the TOR Score to serve small businesses that often lack the scale needed to access the treasury management tools available to larger firms. Corporate treasury teams use cash flow forecasting models and sophisticated banking platforms to optimize working capital, yet small businesses rarely have these resources despite facing similar challenges. By translating financial metrics into an accessible score, LiaFi democratizes cash management tools for underserved small business segments, helping entrepreneurs focus on running their business rather than analyzing spreadsheets.

About LiaFi

LiaFi is a Fintech company headquartered in Elizabethtown, KY, focused on building financial infrastructure that serves the evolving needs of modern businesses. Through partnerships with regulated financial institutions, LiaFi delivers solutions that combine the accessibility businesses require with the returns they deserve.

For more information, visit liafi.com.

*Annual Percentage Yield. Current rate as of 12/2/25. This is a variable rate account and the rate may change after the account is opened. Rates are subject to change at any time. LiaFi is not a bank. Banking services provided by Magnolia Bank. Deposits are FDIC insured through Magnolia Bank, Member FDIC.

**Transfers are made via ACH and typically process within 1-3 business days. Transfer timing depends on the payment rail, bank cutoff times, and receiving institution processing. ACH transfers are subject to daily limits and NACHA Operating Rules.

²Please refer to the fee schedule provided with account terms for complete details on applicable fees.

Sources

¹ Federal Reserve Banks. “2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey.” 2025. https://www.fedsmallbusiness.org/reports/survey/2025/2025-report-on-employer-firms

View source version on businesswire.com: https://www.businesswire.com/news/home/20251203082142/en/

Contacts

Media Contact: pr@liafi.co

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