Connect your bank
Securely link your business account through Open Banking. Repayas reads balances and transactions without storing your bank login.
Know what's
safe to spend.
Today.
Repayas connects to your business bank account, separates VAT from operating cash, and gives you one clear number you can trust before you spend.
Open Banking via TrueLayer · UK businesses only · No card required
High confidence
Safe to spend today
£3,247
- Operating balance£8,420
- VAT to protect−£3,910
- VAT already protected£1,263
- Unprotected VAT−£2,647
- Safe to spend£3,247
Last updated: Just now
TrueLayer
See how Repayas works
Three simple checks before money leaves your business.
Separate VAT from spendable cash
Repayas shows what belongs to HMRC, what is already protected, and what remains safe for day-to-day spending.
Get the number before the weekend
Every Friday, Repayas sends your Safe-to-Spend figure by SMS so you know what you can use without guessing.
Most cash flow problems do not start with spending too much. They start with spending money that was never really yours.
VAT can sit inside your bank balance and create a false sense of cash. By the time the bill is due, the money may already be gone. Repayas helps make that hidden liability visible before it becomes a problem.
Bank balance£12,500
VAT liability-£3,910
Protected reserve£1,263
Safe-to-Spend£3,247
One number. Backed by the workings.
The Safe-to-Spend figure is the headline. The proof is always visible underneath.
Confidence is shown, not hidden.
Repayas shows how reliable your Safe-to-Spend figure is, using connected cash data, recent VAT information, or lower-confidence assumptions. When the data is not strong enough, it tells you clearly.
High confidence
Fresh data from connected accounts. VAT calculated from recent transactions.
Medium confidence
Data is a few days old or some transactions could not be categorised.
Low confidence
Bank connection is stale or VAT estimate relies on assumptions.
Friday morning. One number. No spreadsheet.
Repayas sends your Safe-to-Spend figure by SMS every Friday at 10am, giving you a simple weekend cash control habit without opening another app.
Built for VAT-registered UK small businesses.
The same problem across every sector: cash in the bank is not always cash available to spend.
Cleaning companies
Weekly invoices, monthly VAT bills, and cash that moves fast. Repayas shows what is safe before the money arrives.
Trades and contractors
Irregular income, big expenses, and VAT that can pile up. Know your real position before each job payment clears.
Agencies and service businesses
Long payment terms and lumpy cash flow. Repayas separates client money from what you can actually spend.
Start with your next VAT cycle.
Try Repayas free for 14 days. See your Safe-to-Spend before you commit.
Everything you need
£29/month
after 14-day free trial
- 14-day free trial
- No card required
- Open Banking connection
- Safe-to-Spend dashboard
- Friday SMS summary
Frequently asked questions
Everything you need to know about Repayas
Stop guessing what is safe to spend.
Connect your business account and see your Safe-to-Spend number before your next VAT bill catches you out.
Start free trial