About Us
Built to keep freelance and consultant capital on solid ground
Tern Yieldwick started with a simple observation: independent professionals manage risk with the same tools built for salaried employees. We set out to change that.
Our Story
Why we built Tern Yieldwick
Freelancers and consultants carry a different kind of financial exposure — irregular income, variable tax liabilities, and capital that needs to work between contracts. Generic budgeting apps and traditional advisory services weren't designed for that rhythm.
Where we started
Tern Yieldwick was founded to give self-employed professionals in the UK a dedicated way to protect and manage their working capital. Rather than retrofitting corporate finance tools, we built our approach around the realities of freelance income: gaps between invoices, seasonal demand, and the need to plan for tax and downtime without a safety net.
Where we are now
Today Tern Yieldwick combines AI-driven analysis with practical risk controls, helping freelancers and consultants see where their capital is exposed and make adjustments before small issues become real problems. Our focus remains narrow and deliberate: the financial risk layer for independent work.
Mission
What we're working toward
We exist to make risk management as accessible to independent professionals as it already is to larger organisations — clear, proportionate, and built around how freelance income actually behaves.
- Give freelancers and consultants visibility into capital risk without requiring a finance background.
- Replace guesswork with structured, data-informed decisions about reserves and exposure.
- Keep risk tools proportionate to independent budgets — no enterprise overhead, no unnecessary complexity.
- Stay focused on the UK freelance and consulting market we understand best.
Our Values
The principles behind the product
These are the standards we hold ourselves to as we build and support Tern Yieldwick.
Clarity over complexity
We explain risk in plain terms. If a feature needs a manual to understand, we haven't finished building it.
Built for independents
Every decision starts with the question: does this reflect how freelancers and consultants actually work and earn?
Steady, not flashy
We prioritise dependable risk controls over speculative features. Protecting capital comes before chasing growth.
Our Team
People who understand independent work
Tern Yieldwick is run by a small team focused squarely on the financial risk challenges facing freelancers and consultants. We work closely together to keep the product grounded in real, practical needs rather than abstract financial theory.
We stay deliberately focused: one market, one problem, and a commitment to doing it properly rather than spreading thin across unrelated services.
Manage your capital with more confidence
See how Tern Yieldwick approaches risk management for freelancers and consultants.