Running a small business means juggling payroll, inventory, client invoices, vendor bills, and somewhere in that chaos, trying to figure out if you have enough cash on hand to cover next month’s expenses or if you’re sitting on surplus funds that could be working harder for you.
Most business owners track this with mental math, spreadsheets, or gut instinct. But what if you could see your cash flow health in a single number?
That’s exactly what LiaFi’s new TOR Score does.
What Is the TOR Score?
The TOR Score, short for Track, Optimize, Refine, is a proprietary metric that measures the variability of your cash flow. Think of it as a financial health snapshot that tells you, at a glance, whether your money is steady and predictable or swinging wildly from week to week.
Here’s how it works:
- Track: The TOR Score is designed to analyze your transaction history to identify patterns in deposits and withdrawals.
- Optimize: It is designed to help identify periods when you may have surplus cash based on historical patterns.
- Refine: It is designed to highlight months with higher variability, so you can plan ahead for potential cash flow challenges.
The result? A single score that distills weeks of transaction data into actionable insight, no spreadsheet gymnastics required.
Why Cash Flow Variability Matters
Cash flow variability isn’t just an accounting term. It’s the difference between confidently paying your team on time and scrambling to cover payroll.
According to the Federal Reserve’s 2024 Small Business Credit Survey, over half of small firms cited uneven cash flow as a significant financial challenge in the prior 12 months.¹ Yet most small business owners don’t have access to tools that help them see these problems coming. They’re flying blind, reacting to shortfalls instead of anticipating them.
The TOR Score changes that. By measuring how much your cash flow fluctuates, it is designed to provide visibility into cash flow patterns that may help with planning:
- Low variability? Your cash flow may be more predictable, potentially allowing you to focus on growth.
- High variability? Your cash flow may swing more unpredictably, which may indicate a need to evaluate collections or reserves.
How the TOR Score Fits Into Your Financial Routine
The TOR Score isn’t a standalone metric. It’s integrated directly into your LiaFi dashboard alongside:
- High-yield business account offering 3.10% Annual Percentage Yield (APY)* on operating cash
- Smart transfer functionality to move surplus funds with a few clicks
- Transaction insights showing where your money is coming from and going
Together, these tools create a complete cash management system designed for business owners who need clarity, not complexity.
Example: How the TOR Score Works in Practice
Let’s say you run a seasonal landscaping business. In spring and summer, your deposits are high and consistent. In fall and winter, they drop sharply.
Your TOR Score would reflect this variability, providing data on:
- When to move surplus cash into your high-yield account during peak season
- When to prepare for leaner months by setting aside reserves
- Which periods carry the most risk so you can plan accordingly
This visibility is designed to help you manage cash more proactively rather than just reacting to shortages.
Who Is the TOR Score For?
The TOR Score is designed for small business owners who:
- Run businesses with under $1 million in annual revenue
- Operate as sole proprietors, LLCs, or S-corps
- Don’t have dedicated finance teams or a CFO
- Want to spend less time on financial admin and more time growing their business
If you’re looking for better visibility into your cash flow patterns or want to identify when surplus cash might be earning more in a high-yield account, the TOR Score is designed to help.
Getting Started
The TOR Score is available now to all LiaFi customers at no additional charge. If you’re already using LiaFi, log in to your dashboard to see your score. If you’re new to LiaFi, you can open a business account online at www.liafi.co
Because small business owners deserve financial tools that work as hard as they do.
About LiaFi
LiaFi is not a bank. LiaFi is a Fintech platform built exclusively for small businesses, typically with less than $1 million in annual revenue. Through its partnership with Magnolia Bank, Member FDIC, LiaFi delivers high-yield business deposit accounts, smart transfer features, and cash flow tools designed to help entrepreneurs optimize their operating cash.
Disclosures
¹ Federal Reserve Banks, Small Business Credit Survey: 2024 Report on Employer Firms. Available at: https://www.fedsmallbusiness.org/reports/survey/2025/2025-report-on-employer-firms
*Annual Percentage Yield. LiaFi Business Account is a variable rate account. The rate may change after the account is opened. Rates are subject to change at any time. Rate current as of January 15, 2026.
LiaFi is not a bank. Banking services provided by Magnolia Bank. Deposits are FDIC insured through Magnolia Bank, Member FDIC.