See Tomorrow's Cash Problems Today
CashFlowIQ helps small businesses predict cash shortages, chase overdue invoices, monitor expenses, and protect payroll before financial stress reaches the door.
- 7, 30, 60, 90-day forecasts
- AI agents for action plans
- Tenant-isolated & secure
- No demo data — your numbers
Cash Available
$13,720
+8.2% vs last week
30-Day Projection
$18,540
On healthy trajectory
CashFlowIQ Score
82
Safe runway
2 overdue invoices · $4,150
Top: Acme Co · 12d late
Payroll in 9 days · $6,800
Projected coverage: 1.6×
Running a business shouldn't feel like financial guesswork.
Most small businesses don't fail from lack of profit — they fail from cash-flow surprises. CashFlowIQ replaces the spreadsheet anxiety with a calm, clear picture of your money.
Surprise cash gaps
A vendor pays late, a bill clears early — suddenly payroll is at risk.
Late invoices stack up
You chase clients manually, lose hours, and forget who's due what.
No clear next step
You know the numbers feel off, but not what to do about it this week.
Know your lowest balance before it happens.
CashFlowIQ builds a daily projection from your invoices, bills, recurring expenses, and payroll. We highlight the date and dollar amount of any projected cash gap — and how to close it.
- 7, 14, 30, 60, 90-day windows
- Best, expected, and worst-case views
- Confidence score for every forecast
- Auto-detected cash gaps with recommended actions
Cash Available
$13,720
+8.2% vs last week
30-Day Projection
$18,540
On healthy trajectory
CashFlowIQ Score
82
Safe runway
2 overdue invoices · $4,150
Top: Acme Co · 12d late
Payroll in 9 days · $6,800
Projected coverage: 1.6×
Nine specialized financial agents working for you.
Each agent reads your real tenant data — never simulated — and produces a prioritized, owner-friendly action with a cash-impact estimate.
Cash Forecast
Projects your daily ending balance and identifies risk.
Invoice Follow-Up
Drafts polite → firm → escalation reminders by tone.
Expense Watch
Surfaces duplicates and subscription creep.
Payroll Safety
Checks projected coverage of every payroll run.
Client Payment Behavior
Scores client reliability from your real history.
Vendor Payment
Prioritizes vendor payments by criticality and fees.
Cash Gap Alert
Warns when your safe-cash floor will be breached.
Financial Health
Weekly CashFlowIQ Score with strengths and gaps.
Action Plan
Today's top action and this week's top 3.
Get paid faster, without sounding desperate.
The Invoice Follow-Up Agent reads each invoice, its days overdue, and your client history — then drafts a reminder in the right tone. You approve, send, and track promises in one place.
- Tone control: courtesy → friendly → firm → final notice
- Promise dates tracked against actual payments
- Escalation rules you control
INV-1042 — Acme Co.
$2,840 · 14 days overdue · Reminder ready
Stop the slow leaks.
The Expense Watch Agent detects duplicates, subscription creep, and unusual charges so you stop paying for things you don't use — or worse, paying twice.
- Duplicate charge detection
- Subscription price-increase alerts
- Monthly trend across categories
3 alerts found this week
• Possible duplicate $39 SaaS • 14% jump on a recurring tool • Recurring vendor missed a check-in
Never miss payroll.
CashFlowIQ projects your cash position on every upcoming payroll run, raises a flag when coverage gets thin, and suggests how to protect it.
- Coverage ratio for every payroll run
- Tax-reserve estimate
- Shortfall warnings with a recommended fix
Next payroll · 9 days
Projected coverage: 1.6× · Safety score 92
Built for the businesses that can't afford a CFO yet.
Small Business Owners
Simple visibility, runway clarity, and weekly action plans.
Agencies
Client payment behavior tracking and retainer visibility.
Consultants
Irregular income forecasting and risk-scored clients.
Local Businesses
Daily cash position, vendor planning, payroll safety.
Simple, transparent pricing.
Start free for 14 days. Upgrade anytime. Cancel from the Stripe portal in one click.
Starter
$19/mo
- 1 workspace, 2 users
- 30-day forecast
- Basic alerts
- Invoice tracking
- Weekly cash report
Growth
$49/mo
- 1 workspace, 5 users
- 90-day forecast
- Cash Forecast Agent
- Invoice Follow-Up Agent
- Expense Watch Agent
- Scenarios
Pro
$99/mo
- 15 users
- Payroll Safety Agent
- Vendor Payment Agent
- Client Behavior Agent
- PDF reports
- Advanced scenarios
Advisor
$199/mo
- Multiple workspaces
- White-label reporting
- Advisor dashboard
- Multi-client score
- Advanced exports
Frequently asked questions
▾Is CashFlowIQ a replacement for my accountant?
No. CashFlowIQ gives you forward-looking cash visibility and action plans. It does not replace professional accounting, tax, legal, or financial advice.
▾Do you import data from QuickBooks/Xero/Plaid?
The current release supports CSV import/export. Native integrations for QuickBooks, Xero, Plaid, Stripe, PayPal, and Square are on the roadmap.
▾Where is my data stored?
Each workspace (tenant) is isolated. Data is filtered at the API and query layer. We never use one tenant's data to inform another tenant's AI outputs.
▾Can multiple people collaborate?
Yes — Owner, Admin, Finance Manager, Bookkeeper, and Viewer roles. Each role only sees and changes what it should.
▾What if I just want a forecast?
The Starter plan covers a 30-day forecast, alerts, invoice tracking, and a weekly report. Upgrade for AI agents and longer windows.
Calm financial co-pilot. Real cash-flow numbers.
Start CashFlowIQ free. Add your real cash balance, invoices, and bills — get your first projection, risk view, and AI action plan in minutes.