FinTech Medium 3,600/mo

Cash Flow Forecasting for SMBs

13-week rolling cash flow forecast built from real bank data. Know exactly when you'll run out of cash, which invoices will save you, and what levers to pull — without spreadsheets or a finance team.

FinanceSMB
MRR Potential
$12K–$50K
Time to MVP
8–10 weeks
Search Volume
3,600/mo
Market Size
$3.6B

The Problem

82% of small businesses fail due to cash flow problems. CFOs spend 10+ hours weekly maintaining Excel cash flow models. Bank balances don't account for upcoming payables and receivables. By the time cash flow problems are visible, it's too late to act. Enterprise treasury tools cost $50K+/yr.

The Solution

Automated cash flow forecasting that connects to bank accounts and accounting software, builds a rolling 13-week forecast, and alerts business owners to upcoming cash gaps before they become emergencies.

Target Audience

SMB owners managing $500K–$20M in annual revenue, CFOs at companies too small for enterprise treasury tools, and startups needing to demonstrate runway to investors

Key Features

1
Bank and accounting software connections for real-time data
2
13-week rolling cash flow forecast with weekly granularity
3
Scenario modeling with what-if analysis for business decisions
4
Cash gap alerts notifying owners 2-4 weeks before shortfall
5
AR aging analysis showing which invoices to chase first
6
Investor-ready cash flow reports with one-click export

Market Opportunity

Market Size
$3.6B — SMB financial planning tools growing at 16.5% CAGR
Monthly Searches
3,600/mo
MRR Potential
$12K–$50K
Why Now?

Open banking APIs make real-time bank data accessible. AI can predict payment patterns. SMBs need enterprise-grade visibility at SMB prices. Economic uncertainty demands cash flow visibility.

Revenue Model

Per-company: $49/mo (single entity), $99/mo (3 entities + scenarios), $199/mo (unlimited + API + team). Annual: 20% discount.

Competitive Landscape

Float

Cash flow forecasting. $59/mo, strong product, Xero/QBO integration

Pulse

Cash flow tool. $29/mo, simple but limited automation

Dryrun

Financial forecasting. $49+/mo, scenario-focused, good product

Excel spreadsheets

10+ hours weekly. Manual, error-prone, outdated by time it's done

Recommended Tech Stack

Next.jsPythonPostgreSQLPlaidQuickBooks/Xero APIStripeChart.js

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