Cash-flow forecast
We build a week-by-week view of the money coming in and going out over the next 13 weeks, from your own books. It warns you before a tight week.
Free process analysis, with your solution design within 2 business days.
From your books to a warning before a tight week.
- 1
It reads what's owed from your books.
We connect to QuickBooks Online or Xero and read the bank balance in your books, open invoices and unpaid bills. You give us your pay schedule and payroll amount once. Regular costs that never come in as a bill, such as rent on autopay or a loan payment, are looked for in your past payments, and you confirm each one once.
- 2
Invoices land on the week the customer usually pays.
How long each customer took to pay past invoices decides where their open invoices go, instead of the due date. Invoices from a new customer use their payment terms. Bills land on their due dates and payroll on its pay dates.
- 3
You hear about a tight week before it comes.
A week that would dip under the line you set is marked on the chart, and you get an email naming the payroll, bills and invoices behind it, along with the overdue invoices that would close the gap. Every figure is an estimate, and the email shows the date your books were last brought up to date.
- 4
It updates itself.
When an invoice is paid or a new bill comes in, the forecast picks up the change from your books, and the date your books were last brought up to date stays on screen.
What changes for you.
A tight week shows up ahead of time.
A week in the next 13 that would dip under your line is marked once the items behind it are in your books, and each one is listed.
Slow payers are counted when they usually pay.
Each customer's past payments decide which week their invoice lands in. Invoices from a new customer use their payment terms.
Costs with no bill are included.
Payroll, rent on autopay and loan payments sit on their dates, even when no bill is ever entered.
There's no spreadsheet to refill.
The forecast follows your books as invoices are paid and new bills come in.
How we build yours.
- Explain.
Tell us how you keep an eye on cash today and which weeks get tight, by voice or text.
- Map.
We map your books, your pay schedule, the regular costs that never come in as bills and how your customers pay.
- Design.
We design the weekly view, the line you don't want to go under and the email you get before a tight week.
- Build.
Approve the design, and we build it on QuickBooks Online or Xero, reading only what the forecast needs.
Questions.
Doesn't my accounting software already forecast cash?
Often, yes. Many accounting apps include a cash flow view built from the invoices and bills already in them. If yours covers what decides your cash and your books are current, your solution design says to turn it on, and we build nothing. We build when payroll, loan payments, tax or other regular costs are paid without a bill in your books, when you need to see week by week rather than month by month, or when you want an alert that names the items behind a tight week.
How accurate is it?
It's an estimate, built from what's in your books and how your customers have paid before. It starts from the bank balance in your books, so if your books are behind, so is the forecast, and the screen shows the date they were last brought up to date. Before you rely on it, we run it from a date a few months back on your own books and show you how it compared with what happened.
Where does payroll come from?
From the pay schedule you give us and roughly what each payroll costs, plus any hires or raises coming up. Each pay date carries that amount until you tell us it has changed. We don't connect to your payroll provider directly.
Will it tell me to borrow or cut costs?
No. It shows the numbers and the items behind them, and decisions about borrowing, spending or hiring stay with you and your accountant. We don't arrange loans or share your data with lenders.
What do I need to have?
You need QuickBooks Online or Xero, and an admin who approves our connection once. You give us your pay schedule, roughly what each payroll costs and any hires or raises coming, and you confirm the list of regular costs we find. You tell us which bank accounts count as cash, the line you don't want to go under and who gets the emails. For the forecast to stay current, your bank transactions need to be added to your books at least once a week, or our Bookkeeping prep solution can run alongside.
Where is my data kept?
Your information is kept in a database set up only for your business, never shared with another client's.
What does a cash-flow forecast cost?
The price depends on what we build. Your solution design includes a fixed price for the build, and nothing starts until you decide to go ahead. The process analysis and the solution design are free. Running costs such as hosting and the alert emails are covered by a monthly plan sized to your business, optional support is separate, and your solution design lays out both before you decide.
Get a free solution design for one process.
Tell us how you keep track of cash flow today, and get your solution design within 2 business days.
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