Features
Every tool built to protect freelancer and consultant capital
Tern Yieldwick combines continuous monitoring, adaptive risk scoring, and clear reporting so independent professionals can manage their working capital with confidence, not guesswork.
What's inside
A complete risk management toolkit
Each feature is designed around the realities of freelance and consultancy income: irregular cash flow, variable client risk, and limited time for manual oversight.
Continuous risk monitoring
Your exposure is reassessed on an ongoing basis rather than at a single point in time, so shifts in your financial position are reflected without manual check-ins.
Adaptive scoring models
Risk scores adjust to the patterns typical of freelance and consulting work, rather than relying on models built for salaried income.
Clear capital reporting
Plain-language summaries replace dense spreadsheets, giving you a readable view of where your capital stands and what has changed.
Configurable alert thresholds
Set the sensitivity that suits your situation, from early warnings on small fluctuations to notifications reserved for material changes.
Scenario comparison
Compare how different assumptions about upcoming work or expenses could affect your risk position before committing to a decision.
Secure account structure
Your data and capital information are organised within a structure built around the needs of independent professionals, not generic retail accounts.
How it works
From setup to ongoing protection
Getting started with Tern Yieldwick follows a straightforward sequence, designed to minimise the time you spend on administration.
Share your capital profile
Provide a picture of your current working capital, typical income rhythm, and any obligations that affect your risk tolerance.
Calibrate your risk settings
The AI models calibrate to your profile, establishing baseline thresholds and the monitoring cadence that fits your work pattern.
Monitor and adjust
Ongoing monitoring surfaces changes as they occur, with reporting and alerts that let you adjust course before small issues compound.
Built for real work
Designed around how freelancers actually operate
Income volatility
Smoothing the gaps between contracts
Freelance income rarely arrives on a steady schedule. Tern Yieldwick tracks the gaps between engagements and factors them into your ongoing risk assessment, instead of treating every quiet month as a red flag.
Client concentration
Spotting over-reliance on a single client
When a large share of your revenue depends on one client, your risk profile changes. Our models flag concentration early, giving you time to plan diversification before it becomes urgent.
Planning ahead
Preparing for tax and reserve obligations
Set-aside reserves for tax and future expenses are treated as part of your capital picture, not an afterthought, so your reported risk position reflects obligations you already know are coming.
Why it matters
Fewer surprises, more informed decisions
Independent professionals carry risk that traditional financial tools weren't built to track. Tern Yieldwick was shaped specifically around freelance and consulting capital, so the features above work together rather than existing as disconnected add-ons.
- Risk signals tailored to variable, project-based income
- Reporting that stays understandable without a finance background
- Settings you control, rather than fixed one-size-fits-all rules
Put these features to work for your capital
See how continuous monitoring and adaptive risk scoring can give your freelance or consulting income the structure it deserves.