Your rulebook
Cash and runway
6.1
When each customer really pays.
6.2
Which vendors will wait and which will not.
6.3
Your seasonal pattern.
6.4
The balance you never want to go below.
6.5
Who else should see the Monday note.
AgentsCash and runwaySet up at onboarding
Know Friday’s cash on Monday.
The cash agent keeps a rolling thirteen week forecast built from what your customers and vendors actually do, not what the invoices say they will do, and updates it every day as money moves.
Priced on a call, by your workload, your volume and the agents you use. One time onboarding fee of 750 US dollars.
Thirteen week cashUpdated 07:00 today
- This FridayAfter the payment run and 3 expected receipts$84,200Forecast
- Next FridayPayroll week$41,600Watch
- Meridian FabricationINV 0921 · pays 12 days late on average$9,650Expected
- Quarterly taxDue in week 6$22,000Planned
- Lowest pointWeek 7, before two large receipts$28,900Low point
The job today
The forecast is a spreadsheet from last month
It was right the day it was built.
Invoices say one thing, customers do another
A forecast based on due dates is wrong by the second week.
You find out about the tight week too late
Payroll and a big bill land together and nobody saw it coming.
What the agent does
- A rolling thirteen weeks
- Every day, from your books, your bank and the other agents.
- Real payment behavior
- Each customer's actual timing, learned from receivables.
- Known outgoings
- Payment runs, payroll, rent and tax, from payables and your recurring bills.
- The low point, early
- The tightest week in the next thirteen, with what drives it.
- What if, in a sentence
- Ask what happens if a big customer pays two weeks late, and see it.
- A Monday note
- This week's number, next week's number, and what changed.
An illustrative first week
Example numbers for a business of about forty people.
Your receivables, payables and payroll dates decide the first forecast. Book a call and we will show you yours.
- Monday
We read your receivables and payables history, around 700 transactions.
- Tuesday
You tell us payroll dates, fixed costs and the balance you never go below.
- Wednesday
The first thirteen week forecast is built.
- Thursday
We walk through it with you and adjust anything that looks wrong.
- Friday
From next Monday you get the note every week.
Where it stops
It never
- Moves money between accounts.
- Gives financial advice. It reports and forecasts from your own numbers; the decisions stay yours.
- Delays a payment on its own to protect cash.
- Shares your forecast with anyone you have not named.
- Presents a guess as a fact. Every number shows what it is built from.
It always asks you first
- Any change to the payment run to protect cash
- Sharing the forecast with a lender or investor
- New recurring costs added to the plan
- Scenario changes you want saved
- Alerts sent to anyone but you
What it writes down about you
When each customer really pays and which outgoings move go into your rulebook in plain English. You can read it, correct it and take it with you.
What a good quarter looks like for you
DailyForecast updatesFrom real movements.Target we set with you
13 weeksOf visibilityRolling, always.Target we set with you
4 weeksWarning before the low pointWeeks ahead, not days.Target we set with you
We set these with you once the forecast has run for a few weeks.
What we need to start
Your accounting software, read only bank feeds, receivables and payables connected first, and your payroll dates.