CASHFISH FOR SAAS

The MRR chart
goes up.The runway is
still a guess.

Subscription revenue looks orderly until failed cards, annual invoices, payroll and forty-one tool subscriptions join it. CashFish reads Stripe, your CRM and a read-only bank feed together, so burn and runway are numbers that recompute every sync instead of a spreadsheet someone rebuilds before the board call.

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Seed to Series AStripe billingAnnual + monthly plansFounder-run finance

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01The afternoon before the board call

Four tools hold a piece each.
The answer lives in none of them.

MRR is in Stripe. Salaries and the tool stack are in the bank feed. The contract that changes the quarter is an attachment. Runway — the only number the board actually asks for — gets reconstructed by hand, and is right for about a week.

14:05 — The MRR chart is a screenshot

Stripe is opened, the chart is captured, the image goes into the deck. The number is true at 14:05. By the time the call starts it has already moved, and nobody in the room can say which way.

14:40 — runway_v7_FINAL.xlsx

The model was right in March. Since then two hires, one annual invoice pasted in as monthly, and a formula that quietly stopped reaching the last row. Everyone trusts it a little less than they say.

15:20 — The annual contract is on a February thread

$14,000 of this month's billings is a PDF attached to a reply-all. Its renewal date, its notice period and whether it was ever actually paid are three separate searches.

16:12 — A retry notice, unread

Meridian Group's card declined twice this week. The retry email is filed under a Stripe label nobody opens. The account is still on the active list and the revenue is still in the forecast.

17:30 — The churn list is kept in someone's head

Bluepeak went quiet in July — fewer logins, no replies. It was noticed, mentioned in a stand-up, and written down nowhere. In September their cancellation is the first anyone hears of it.

Then a card fails, a customer goes quiet, and it's a reconstruction job once more. The fix isn't a better spreadsheet — it's the four sources reading into one record that keeps itself current.

02A subscription month, followed to the bank

Billed is not collected.
Collected is not kept.

September, netted. $18,400 of monthly plans and $14,000 of annual invoices went out — which is why billings and MRR are two different numbers. Three cards declined. Then the spending side did what it does every month, and the difference came out of runway.

01Stripe subscriptions

Monthly plans, failed charges and card status arrive through the Stripe integration.

02Invoiced annual plans

The annual invoice and the contract behind it are read from the inbox: amount, term, renewal date.

03Bank accounts

Payroll, contractors and the tool stack come from a read-only feed, synced as they post.

Subscriptions billed

Stripe · monthly plans + annual invoices

+$32,400

Failed payments

Stripe · three declined charges

−$1,040

Payroll & contractors

bank feed · read-only

−$26,800

Tools & infrastructure

bank feed · 41 recurring vendors

−$7,900

Drawn from runway

the month, netted · cash position $61,400 after

−$3,340

The $1,040 is three declined charges: $490, $275 and $275. Atlas Advisory's was recovered inside the month once the alert went out; the other two are still open on the leakage list below. The Stripe integration is included from Growth; the revenue leakage dashboard that ranks them is part of Scale.

03The mechanics

Close the month
before the month is over.

Nothing here is a projection. These are the published mechanics of how documents and transactions get into CashFish and how the numbers stay current.

2–3 days

month-end close, down from 3–4 weeks

0 min

between inbox syncs · 150 days imported at connection

extraction accuracy, under 3 seconds per document

read-only

bank access · 12,000+ banks · disconnectable any time

256-bit encryption. SOC 2 Type II, ISO 27001, GDPR. Every connection shows its health in settings.

04The renewal calendar

Thirty days.
Six renewals.
None of them a surprise.

Every annual contract CashFish reads contributes a date, an amount and a notice period. The calendar is what falls out: each renewal on the day it lands, and the alert arriving with enough notice to do something about it — chase a card that expires first, open a pricing conversation, or just watch a good account roll over.

$0of annual plans renewing in the next 30 days

+01

+02

+03

+04

$2,400Harbor & Co.annual · 30-day notice, alert sent

+05

+06

+07

+08monthly plan

+09

+10

+11

+12

$5,900Northwind Mediaannual · alert sent 18 days ago

+13

+14

+15

+16

+17monthly plan

+18

+19

+20

+21

+22

+23

$1,200Coastal Partnersannual · 7-day notice, alert fires in 16 days

+24

+25

+26

+27monthly plan

+28

+29

+30

monthly plan renewingannual contract, amount read from the agreement

Renewal alerts fire ahead of the notice period in each contract — 30 days for Harbor & Co., 7 days for Coastal Partners — with the account's payment history and email timeline attached. Contract extraction is included from Growth; contract intelligence with renewal alerts is part of Scale.

05What it does with the data

Four things the spreadsheet
was doing badly.

MRR movement, without the SQL

Stripe's subscription data becomes a trend you can read — the climb, the July plateau while an account went quiet, the $340 a cancellation takes back out in September — with no query and no BI project between you and it.

APR → SEP · MRR, $K18.4

Failed payments, caught while they're recoverable

A declined card is revenue leaving quietly. The revenue leakage dashboard flags failed charges and cards that expire before the next renewal — while the fix is still a card update, not a win-back.

Declined twice, still openMeridian Group · $490 plan · flagged for outreach−$490

Declined, retry scheduledIronwood Co · $275 plan · card expires this month−$275

Declined, then recoveredAtlas Advisory · $275 plan · card updated after the alert+$275

Runway that restates itself

Cash across every connected account, average net burn over the trailing three months, and the runway they imply — recomputed as transactions sync, and labelled an estimate because that is what it is.

Cash position $61,400 · all accountsAvg net burn $4,100/mo · trailing 3 monthsRunway estimate · about 15 months

Revenue meets its customers

Contacts build themselves from documents and email; HubSpot, Salesforce or Pipedrive brings the accounts and pipeline. Each account's payment history then lines up with its interaction timeline — so a renewal knows about the enquiry that started it.

CRM Lite, revenue and expense forecasting and the Stripe integration are included from Growth. Advanced forecasting, the revenue leakage dashboard, full CRM automation and lead scoring are Scale features.

06Reads in

Billing, pipeline, books, inbox —
each one reports in.

Stripe

Subscriptions, declined charges, card expiry

AVAILABLE

HubSpot

Accounts and pipeline, matched to their payments

AVAILABLE

Salesforce

The same account record, if that's where it lives

AVAILABLE

Pipedrive

Deals in flight, beside the revenue they became

AVAILABLE

QuickBooks

Books imported one way, never written back

AVAILABLE

Gmail

Annual invoices and contracts, read on arrival

AVAILABLE

Also Outlook, IMAP, Xero, Zoho CRM, Slack, Zapier, webhooks and API keys. QuickBooks and Xero import one way into CashFish; nothing is written back. Store integrations and bank sync switch on at Growth; the custom API at Scale.

07Scale, and why

Nothing left to reconstruct
the afternoon before the board call.

Scale is the plan because the layer that turns Stripe data into churn and runway answers — advanced forecasting, the revenue leakage dashboard, contract intelligence with renewal alerts, full CRM automation with lead scoring — arrives there. Growth stops at the Stripe connection, CRM Lite and basic forecasting.

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08What finance asks

Before you connect Stripe.

The spending half. Stripe knows what was billed and what failed; it has no idea about payroll, contractors or the forty-one tools on the company card. CashFish puts the read-only bank feed, the annual invoices and contracts read from your inbox, and the account records from your CRM beside the Stripe data — so MRR sits next to burn, and runway becomes a number rather than a reconstruction.