FEATURE · CASH FLOW MANAGEMENT

Today's
balance.The next thirteen
Fridays, estimated
honestly.

Profit is a story; cash is a fact. CashFish reads what's in the bank, what's owed to you and by you with the dates attached, and the patterns that repeat — then draws the next thirteen weeks as one strip: in, out, balance. Labeled as the estimate it is, redrawn every time an actual lands.

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01The arithmetic in your head · Tue Sep 9 · 11:40 pm

Every owner does
this sum. Nobody
writes it down.

Late in the evening, phone in hand, you run the same four lines you ran last month. The inputs are all real. The answer is a shrug — and the shrug is where decisions go to wait.

$41,300operating account · this morning

You open the bank app, not a dashboard

The number is true. What it means is not on the screen — the app doesn't know payroll is seventeen days away, or that the rent already left on the 1st.

$8,200− payroll · Friday the 26th

Payroll is a date you carry in your head

It lands the same Friday every month, which is exactly why it stops feeling like an event. Until the month it shares a Friday with something else.

$4,200− three vendor bills · also the 26th

The bills you approved by replying “ok”

Three supplier invoices, three threads, one word each. Nobody wrote down that all three fall due on the same day as payroll.

$3,800+ Northwind Media · due the 29th · usually

The invoice that will probably be paid on time

Probably. Last month it was nine days late, and you found out by refreshing the bank, not by being told.

?= somewhere in the thirties. probably.

The answer you settle for

Close enough to sleep on, not close enough to decide on. So the hire, the deposit and the early-pay discount all wait — until the 27th decides for you.

That sum is the entire job of this feature. CashFish runs it with every line it can see — the bank, the invoices, the bills, the patterns — for every Friday for thirteen weeks, and tells you which one to worry about.

02What enters, what it becomes

Six things happen
to a balance before
it means anything.

The same September, followed from a bank figure to a flag. Pick a step; the panel shows what CashFish is holding at that point.

01step 1 of 6

Cash on hand, live

Two accounts at First Harbor Bank, connected read-only and refreshed every 5 minutes. $41,300 operating, $6,900 reserve: $48,200 is the figure every other line on this page hangs from — and it's this morning's figure, not last Tuesday's export.

Operating · First Harbor Bankread-only · updated 4 min ago$41,300

Reserve · First Harbor Bankread-only$6,900

Cash on handacross both accounts$48,200

02step 2 of 6

September's movements take their places

Client payments due in, $9,400. Payroll, $8,200. Rent and utilities, $3,450. Four vendor bills, $5,150. The subscription stack, $610. Every figure traces to a document in your inbox or a line in your bank feed — nothing was typed into a cell.

Client payments due in

+$9,400

Payroll

−$8,200

Vendor bills · 4

−$5,150

Rent & utilities

−$3,450

Subscriptions & tools

−$610

03step 3 of 6

Dates attach to the money

The $9,400 owed to you is two invoices with two different due dates. The three largest vendor bills share a Friday with payroll. The amounts were never the problem — the order they land in is, and now the order is on the timeline.

Invoice #1043 · Alder Creek Studiodue Sep 8+$5,600

Invoice #1047 · Northwind Mediadue Sep 29+$3,800

PayrollFri Sep 26−$8,200

Vendor bills · 3 of 4Fri Sep 26 · together−$4,200

04step 4 of 6

The month draws itself

Each dated movement becomes a point on a day-by-day balance. September gets a shape instead of a pair of endpoints — and the dip on the 26th is visible from the 9th.

September, day by day · projected balance · low $39,700 on the 26th

05step 5 of 6

Thirteen weeks, labeled as an estimate

Past the dated items, history and recurring patterns fill the weeks in: the payroll that repeats, the invoices that tend to arrive, the payouts that tend to land. It says estimate on the chart, and it redraws every time an actual replaces a guess.

Next 13 weeks · estimate · redrawn as actuals land

06step 6 of 6

Pressure, flagged while it's still an email

You set a line — say $35,000. When the projection heads for it, CashFish names the date, the projected balance and what's driving it, weeks out. The fix is a nudge on invoice #1047 or a shifted payment, not a scramble on the day.

Sep 26 · payroll + 3 vendor bills · $12,400 out on one dayProjected after: $39,700 · flagged 17 days aheadTighter if #1047 pays late againNov 21 · $31,400 · under your $35,000 line · 73 days out

Bank sync, store connections and the revenue and expense forecast are Growth and up. Every figure here is invented for the example and consistent across the page.

03Thirteen weeks on one strip

In. Out. Balance.
Thirteen Fridays in a row.

Week one is fact. Week two is happening. Weeks three to thirteen are estimates, and say so. The dashed line is the balance you told CashFish you never want to see — and the amber column is the week it gets close.

ACTUAL

W1

Sep 1–7

In+$1,250

Out−$5,000

Bal$44,450

THIS WEEK

W2

Sep 8–14

In+$6,900

Out−$600

Bal$50,750

EST.

W3

Sep 15–21

In+$1,300

Out−$600

Bal$51,450

EST.

W4

Sep 22–28

In+$1,250

Out−$13,000

Bal$39,700

EST.

W5

Sep 29–Oct 5

In+$5,100

Out−$4,050

Bal$40,750

EST.

W6

Oct 6–12

In+$6,900

Out−$1,500

Bal$46,150

EST.

W7

Oct 13–19

In+$1,300

Out−$2,600

Bal$44,850

EST.

W8

Oct 20–26

In+$1,250

Out−$10,550

Bal$35,550

EST.

W9

Oct 27–Nov 2

In+$5,100

Out−$4,050

Bal$36,600

EST.

W10

Nov 3–9

In+$6,900

Out−$1,500

Bal$42,000

EST.

W11

Nov 10–16

In+$1,300

Out−$2,600

Bal$40,700

EST.

W12

Nov 17–23

In+$1,250

Out−$10,550

Bal$31,400

EST.

W13

Nov 24–30

In+$5,100

Out−$4,050

Bal$32,450

SCROLL SIDEWAYS FOR ALL THIRTEEN →

this week · Sep 8–14your line · $35,000W12 · Nov 17–23 · projected $31,400 · flagged 73 days outForecast weeks are built from your receivables and payables with their due dates, your transaction history and the patterns that recur. They are estimates. They redraw as actuals land.

04What it keeps doing

Six quiet jobs,
every five minutes.

None of them need you in the room. Each one is a line on this page you would otherwise carry in your head — or not carry at all.

01

A live position

Read-only connections to 12,000+ banks, refreshed every 5 minutes. The figure everything else is built on is never a stale export.

$48,2004 MIN AGO

02

Movements from records, not a model

Inflows and outflows come from your actual invoices, bills, payroll and subscriptions — read from the inbox you already use and the bank feed you already have.

INV #1043PAYROLLSUBSFEED

03

Receivables and payables with their dates

What's owed in and what's owed out sit on the timeline with due dates attached, so the order things land in is as visible as the amounts.

04

A day-by-day balance

The month renders as a curve. Dips show up where they will happen, not after they have.

05

A rolling 13-week estimate

Assembled from history, dated receivables and payables, and recurring patterns. Labeled as an estimate, redrawn as actuals arrive, never presented as a promise.

06

Pressure flags, weeks ahead

Set a balance line that matters to you. When the projection heads for it, you hear the date and the cause while the fix is still an email.

Sep 26 · $12,400 out · 17 days aheadNov 21 · $31,400 · 73 days ahead

05What the strip stands on

An estimate is only as honest
as what it's built from.

0+

banks connectable, strictly read-only — Growth and up

0min

between refreshes of balances and activity

0

days of history imported behind your first forecast

0

weeks on the strip, each labeled actual or estimate

runway, this page$48,200 cash on hand÷$5,250 net monthly burn, 13-week est.=9.2 months · an estimate, redrawn weekly

Read-only means read-only: CashFish sees activity and can never move money. 256-bit encryption, SOC 2 Type II, ISO 27001, GDPR. Every connection shows its health in settings and can be disconnected there.

06What reports in

Every inflow has a source.
Each one plugs in.

The bank is the spine. Payment processors and stores add the inflows that arrive before the bank sees them; accounting tools bring the history along.

Bank sync

12,000+ banks, read-only. The live position and every actual that replaces an estimate.

GROWTH AND UP

Stripe

Payouts arrive as dated inflows, fees as outflows, matched to the invoices they settle.

AVAILABLE

Square

Card takings land on the strip the week they settle.

AVAILABLE

PayPal

Payments in and fees out, on the timeline with everything else.

AVAILABLE

QuickBooks

Bring the books you already keep into CashFish. Nothing is written back.

ONE-WAY IMPORT

Xero

The same one-way import for Xero ledgers.

ONE-WAY IMPORT

Shopify

Store orders as inflows. In private beta — ask and we'll tell you when it opens.

REQUEST ACCESS

Invoices and bills arrive through Gmail, Outlook or any IMAP inbox. QuickBooks and Xero import one way into CashFish; nothing is written back. WooCommerce is available; Shopify is in private beta.

07Growth, and why

Know the 26th
on the 9th.

Connect a bank and an inbox, and the first strip builds itself from 150 days of your own history. Growth is the plan because live bank sync, store connections and the revenue and expense forecast switch on there — Starter reads your documents but can't see the account. Scale adds advanced forecasting on top.

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08Before the strip goes live

Before you trust a forecast.

Three sources, in this order of confidence. First, your bank: the live balance and every transaction that has already happened. Second, dated items — the invoices you've sent and the bills you've received, each with its due date, read from your inbox. Third, patterns: payroll that repeats, subscriptions that renew, payouts that tend to land. The first is fact, the second is committed, the third is an estimate, and the strip labels each week accordingly.

Today'sbalance.The next thirteenFridays, estimatedhonestly.

Every owner doesthis sum. Nobodywrites it down.

Six things happento a balance beforeit means anything.

In. Out. Balance.Thirteen Fridays in a row.

Six quiet jobs,every five minutes.

An estimate is only as honestas what it's built from.

Every inflow has a source.Each one plugs in.

Know the 26thon the 9th.

Before you trust a forecast.

Today's
balance.The next thirteen
Fridays, estimated
honestly.

Every owner does
this sum. Nobody
writes it down.

Six things happen
to a balance before
it means anything.

In. Out. Balance.
Thirteen Fridays in a row.

Six quiet jobs,
every five minutes.

An estimate is only as honest
as what it's built from.

Every inflow has a source.
Each one plugs in.

Know the 26th
on the 9th.