Cash-flow forecast

A cash-flow forecast is a forward view of the money entering and leaving a business over a set horizon — usually the next few weeks or months — so you can see the low point before you reach it, not after.

How it works

• Start with today’s real balance across every account.
• Add expected inflows: invoices due, contracts settling, receivables clearing.
• Subtract known outflows: payroll, supplier bills, tax, subscriptions.

The output isn’t one number — it’s a running line that dips and recovers, and the dips are the point. A forecast that only tells you where you are today isn’t a forecast.

Why it matters

Profitable businesses run out of cash all the time, because profit and timing aren’t the same thing. A big invoice on Net 30 doesn’t help with payroll due Friday. A forecast turns “we’re fine, roughly” into a specific date and a specific gap — the difference between arranging cover in advance and scrambling.

How Fynex does it

Fynex reads your true cash position across every bank and PSP and projects it forward, so the floor is a number you can see rather than a surprise. Because every payment and payout is already reconciled to the books, the forecast is built on settled reality, not a spreadsheet guess. See cash.