The Cash Timing Problem
Most financial tools treat cash flow as the net sum of your transactions during a period. But reality is messier. Your spending happens immediately - credit card charges hit your statement within 24 hours. But cash doesn't leave your account until the bill comes due, often 30 days later. That gap between expense recognition and cash depletion is where most businesses get surprised.
Seasonal spending, vendor payment cycles, subscription renewals, and payroll timing all compress into a chaotic cash forecast. You end up maintaining a separate spreadsheet to track "actual cash" vs. "accounting cash," and even then you're flying blind on what Friday's bank balance will look like.
Cashflow AI models the actual cash movement: credit card settlement delays, payment terms, seasonal patterns, and cash-conversion cycles. You get a forecast that matches reality.
What Sets Cashflow AI Apart
Payment Timing Precision
Models credit card settlement cycles, vendor payment terms (net-30, net-60, etc.), and invoice due dates. See when cash actually leaves your account, not when you spend it.
Seasonality Detection
Learns spending patterns from your history and forecasts seasonal spikes - holiday hiring, Q4 marketing pushes, summer infrastructure upgrades.
Cash Cycle Insights
Reveals cash-conversion cycles: how long money is tied up between paying suppliers and receiving customer revenue. Identify where to negotiate terms.
Confidence Intervals
Every forecast includes a plausible range (best-case, expected, worst-case). Plan buffer requirements without over-conservative guessing.
Integration-Free
Imports from CSV, QuickBooks, or direct bank feeds. No API delays, no waiting for data syncs, no maintaining integrations as your tools change.
Founder-Grade Simplicity
Default to the cash position you actually care about - operating runway, payroll runway, working capital - without MBA-level accounting theory.
How Cashflow AI Works
1. Intake: Upload 12+ months of actual transactions (bank statements, credit card exports, payment processor logs). Cashflow AI learns your baseline spending, payment delays, and seasonal patterns.
2. Model: Builds a forward cash-flow model that accounts for timing gaps: money you've spent but not paid for yet, recurring expenses you've forgot to budget for, seasonal hires or marketing blitzes that happen on schedule.
3. Forecast: Projects your cash position 90 days out. Shows operating runway, payroll runway, and working capital headroom. Updates daily as new transactions arrive.
4. Alert: Notifies you if forecasted cash drops below a threshold you set (e.g., "alert when less than 2 months of payroll"). Gives you 6-8 weeks to adjust.
Typical Approach
Manual Excel forecasts:
- Updated quarterly, if at all
- Ignore payment-term timing
- Miss seasonal patterns
- Require finance team bandwidth
- Hidden from operations
Cashflow AI
Automated, AI-powered forecasting:
- Updated daily as transactions arrive
- Models payment cycles automatically
- Detects seasonality from history
- Takes 20 minutes to set up
- Visible to entire leadership team
Built for Teams at Every Stage
Pre-revenue & Seed: Runway clarity so you know when to fundraise. No complex integrations - just upload bank statements.
Growth Stage: Multiple product lines or cost centers? Cashflow AI breaks down cash impact by team, vendor, or initiative. See which expenses compress your runway fastest.
Mature Companies: Model inter-company transfers, multi-currency cash pooling, and complex payment cascades. Reduce working capital by optimizing payment terms.
Get Clarity on Your Cash Position
Stop flying blind on cash timing. Import your transactions, get a forecast in 24 hours, and set alerts for your runway thresholds.
Start Free Trial Schedule a DemoPricing & Plans
Starter
$99/month - Perfect for seed-stage & small teams. 1 company, basic forecasting, email alerts.
Growth
$399/month - For scaling companies. 5 companies, multi-team forecasting, Slack integration, API access.
Enterprise
Custom - For mature organizations. Unlimited companies, custom models, white-label option, dedicated support.