reliable 30-days cash forecast

riskrate predicts cash position for the next 30 days using realtime late payment data and machine learning

cash forecast for cash people


have peace of mind

reliable cash forecast using machine learning and the biggest database in the market, without extra hassle

be the first who knows

continuously predict your customer payment delays and know how they are paying to the others

something on your mind?

let us have a chat

don't leave money on the table

get automatic risk scenarios and track the speed of your money flow 

examples of industries that riskrate serves today

construction | wholesale | transport | saas & subscription | PR & advertising | online store | financial services

If you sell products, services, or hours and give payment time to your customer, cash forecast based on machine learning improves your efficiency and cash flow. If you send more than 20 invoices per month, the cash forecast does that hard work for you, which pays itself back in days by savings on man hours and stronger cash flow. The more invoices,, the quicker ROI. 

turn on cash engine today

start free trial in 8 minutes. no credit card required. instantly see your forecast

anna riskraten tehdä kova työ puolestasi

with riskrates cash forecast

we grew 42% without external funding


Jussi Masalin, entrepreneur

wholesale of construction industry

Cronvall Oy


more integrations underway

I save several hours each week, as

all I need is always up to date


Anna Degerholm, entrepreneur

HR rental

Wannado Oy

unique benefits of data insights

riskrate’s uniqueness is based on the most comprehensive real-time business data as well as machine learning models that also understand repeatable, not invoiced events. riskrate database predicts changes in your customer’s payment behavior in both positive and negative directions.

payment delays in real-time (3 months), random selection of riskrate's database


all features, start with PREMIUM

and if you do nothing, you will be

downgraded to FREE in 7 days 


 from € 35 /month

no credit card required


riskrate basic

a basic version of riskrate 

with limited features that

shows your customers predictions


 € 0 /month

always free

predict cash position

riskrate reliably predicts cash position when you need to ensure that there is cash at bank account when wages, vendor payments, loan repayments, or other hard deadlines occur.

Boat on a Lake
Cable Cars

let machine learning do the hard work

riskrate's cash forecast is based on the most comprehensive real-time business data on the market and machine learning models, which provide, for example, a reliable forecast of when your new customer will pay an invoice and a forecast of recurring, not invoiced events.


turn on cash engine 

Did you know that most money machines are built at exceptional times? In addition to business information and cash forecasting, riskrate shows carefully selected metrics that improves your cash position significantly.

Illustrated Mountains

connect softwares

register and connect your invoice software

data download

riskrate enriches data and

builds your cash forecast

 ready to go

instantly see your forecast, also automatic forecast via email

start easily in 8 minutes



What is the riskrate cash forecast based on?

riskrate's cash forecast utilizes the most comprehensive real-time business data on the market as well as machine learning models. The cash forecast forecasts both payment behavior and events, which together make it possible to forecast the cash position on a daily basis.

How do I start using riskrate?

 Start using riskrate is easy and only takes you 8 minutes. Register to riskrate and follow the instructions on how to open APIs in your accounting software. riskrate is immediately ready for use. Turn on your cash engine today, and see how your forecast and metrics look like.

What is real-time business data based on?

riskrate's company data is based on the real-time payment behavior of your new and existing B2B customers. riskrate data is dynamic, meaning it shows changes in payment behavior in both positive and negative directions.

How does riskrate predict payment delays?

Customers pay their invoices on time only in a perfect world. Predicting payment delays is difficult because customers ’payment behavior varies, even one customer may pay differently to different suppliers. riskrate can predict how the customer would pay her/his invoice to you.

cheers risk takers

Our story began in the heat of summer 2018 at the Kotka Ship Festival , where we met by chance. Päivi Kangasmäki was pitching a cash forecast problem based on her own experiences with cash forecasting and payment delays. Jussi Pyörre , riskrate's Advisor, sat on the jury and understood the potential for data and machine learning, having done the same before at Eniram, where he was the co-Founder and which they had recently sold to Wärtsilä. Andrei Gorbulin, a passionate developer, joined from the Kiuas Accelerator and the story of riskrate began in 2019 in Otaniemi and StartupSauna. The days began with customers and ended on the Casablanca room flip chart. Together with the brave entrepreneurs, the first customers, we get started.










We believe in entrepreneurship and our passion is to make a cash forecast that an entrepreneur can trust.

Without the trust of our customers, this would not have been possible. We are entrepreneurs ourselves and we know what it is like to be. A reliable cash forecast is a lifeline for us risk takers.

Thank you for your trust. Love to hear from you!

riskrate team

have peace of mind


    Call 050 367 0261

or let us contact you  

Maria 01

Lapinlahdenkatu 16 00180 Helsinki
+358 50 367 0261

[email protected]

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