CASHFISH FOR STARTUPS

Runway is
a fact,not a spreadsheet
you maintain.

The round size gets repeated in every meeting. The burn rate gets guessed at. CashFish reads what actually moved — through the bank, through Stripe, through the founder's inbox — so the number under runway comes from the accounts themselves instead of getting rounded up on the way into the next board update.

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01Four places the number hides

Everyone asks about runway.
The spreadsheet answers from five weeks ago.

Founders don't lack financial discipline. They lack a spare evening to reconcile a model that was accurate the day someone built it — and hasn't caught up since.

The model was right five weeks ago

Two contractors invoiced, the cloud bill jumped, and a customer paid two weeks early. The burn tab hasn't heard about any of it — it's still showing the month it was last opened.

Cash is a mental sum across three tabs

The number nobody fully trusts changes by the hour. Checking it means three bank logins and a rough average, not a balance you'd read out loud in a board meeting.

Paid, but not recorded

A contractor invoice cleared the account on the 14th. It's still sitting in the "enter this weekend" pile — which is exactly where invoices go to be quietly forgotten.

The investor update has a blank where the numbers go

The narrative paragraph is finished. The line that reads "runway: ___ months" is still waiting on whoever has a spare evening to add it up.

One business, one real cash position. CashFish reads it from the bank, from Stripe and from the inbox it already watches — so the number under runway updates the same day something changes.

burn_model_v6.xlsxlast edited 5 weeks ago

B4cash on hand$412,000 — or $462,000

B7cloud invoicelarger than the cell says

B9contractor, paid 9/14never entered

B12net burna formula written in July

B14runwayleft blank for the update

02Where the number comes from

Not a model.
A read of
what actually happened.

Three sources feed one number: the bank, Stripe, and the inbox where contractor invoices land. September looked like this.

Bank accountsStripeFounder's inbox

Revenue collected+$11,400

Payroll−$38,000

Tools & cloud−$6,900

Contractors−$5,600

Everything else−$2,900

Net burn for September−$42,000

03The burn ledger

One number,
opened up.

$53,400 of monthly outflow is really four decisions. Here's what makes it up, and what's left after September's collections.

Payroll$38,000

salaries across a five-person team71% of outflow

Tools & cloud$6,900

hosting, SaaS subscriptions, the usual stack13% of outflow

Contractors$5,600

design and engineering help, paid on delivery10% of outflow

Everything else$2,900

legal, office, and the bills too small to itemize5% of outflow

Gross outflow · September$53,400

September collected $11,400 against that $53,400, leaving net burn at $42,000. Against a cash position of $462,000, the runway estimate lands at about 11 months — built from the spending already recorded and the bills already committed, not from a projection of what might happen. Hire someone in October and the estimate is rewritten by their first payroll run, not by a meeting.

04In numbers

0 days

of back history loaded on day one

0+ hrs

a week returned from finance admin

0-day

free trial on every plan, refund included

$0M+

processed across CashFish businesses

05Read in

The bank, Stripe and the inbox —
each reports in.

Stripe

Card revenue matched against the bank feed, so collections show up as fact, not a guess from a dashboard.

AVAILABLE

Gmail

Contractor invoices and vendor statements read on arrival; each one becomes part of the spend history.

AVAILABLE

QuickBooks

Bring existing transaction history in, so the burn trend starts with real months instead of a blank chart.

ONE-WAY IMPORT

Xero

The same one-way import, for teams running their books in Xero.

ONE-WAY IMPORT

Google Drive

Board decks and cap table documents stay linked to the account they concern.

AVAILABLE

Also Outlook, IMAP, Google Calendar, Notion, Slack, Dropbox and Zapier. Bank access is read-only, data is protected with 256-bit encryption (SOC 2 Type II, ISO 27001, GDPR), and any connection can be reviewed or disconnected from settings at any time.

How it starts

01

Connect, read-only

Bank accounts, Stripe and the inbox. Nothing to key in, and every connection can be reviewed or cut from settings.

02

Load the back story

Up to 150 days of documents and transactions import, so the burn trend opens on real months rather than an empty chart.

03

Burn becomes a number

Each month's money in and money out net against each other, and the cash position moves as new transactions sync.

04

Send the picture, not a scramble

When an investor asks how things stand, export the current read as CSV or PDF instead of rebuilding it the night before.

06What stays current

Runway, kept honest
while you're heads-down building.

Burn, computed from what actually happened

No assumptions cell, no input to remember to update. Net burn is read off the connected accounts every month, so the trend is history — not somebody's best guess in March.

Net burn by month, $K

A runway estimate that keeps itself honest

Cash position and recent burn produce the estimate. Add a hire, and the new salary becomes a recurring commitment like any other — the number moves as the payments clear, not at the next board meeting.

Cash position $462,000Net burn $42,000/mo · SeptemberRunway estimate · about 11 months

A month, summarized for people who weren't in it

Cash, burn, revenue collected and the runway estimate in one clean read — built from real transactions, exportable as CSV or PDF before the next update goes out.

Cash position · end of Sep$462,000

Net burn · Sep−$42,000

Revenue collected · Sep+$11,400

Runway estimate · at current burn~11 months

07Growth, and why

Stop maintaining the model.
Start reading the number.

Growth is the plan because bank sync, revenue and expense forecasting, and business dashboards answer the runway question directly — without paying for team seats a two-person company doesn't need yet.

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08Before the next investor update

The awkward ones, answered.

Not yet — scenario simulation is on the roadmap, not live today. What CashFish does now: once a hire starts or a round lands, those transactions join the history and the runway estimate is recalculated from them, rather than waiting for someone to update a model.