Cash-flow forecastForecastLive
A profitable month and
a month you can pay for.
Six months projected from the margin you actually run at — solid where it is measured, dashed where it is projected — so the two stop being assumed to be the same.
Measured, not estimated EU-hosted Read-only by default
01 / The case for it
Profit is not the bank balance.
Without it
A profitable month can still be a month you cannot pay for. Revenue is counted when the sale happens; the money arrives when the processor settles, and the rent leaves on a date of its own that has nothing to do with either.
What Profflow does
What the balance does next, not what the month did.
The same figures, arranged by when the money moves rather than when it was earned — so a commitment you have already made shows up before it lands rather than after.
02 / What it looks like
Six months of bank balance, with the range around it
JunNov
Solid is measured, dashed is projected, and the shaded part is the range — € on both sides of it.
The solid part is what happened. The dashed part is projection, and the shaded band is how wrong it could be — a forecast that does not say how sure it is has said nothing.
A daily P&L that dumps a month of rent on the first has one impossible day in it, so Profflow spreads it — and the cash view puts it back where it really leaves. The two answer different questions and this is where they part.
03 / Worth understanding
Why profit and cash are different questions
A profitable month can still be a short one
Profit is earned when an order is placed; cash arrives when the processor settles, and leaves when a supplier invoice falls due. A month can make €2,521 and still be €900 short in the third week, and only one of those two facts stops the business.
The margin is the one you actually run at
The projection uses the measured margin from the months behind it, not a figure typed into a settings page. If the real margin is 31.8%, the forecast is built on 31.8% — and when the margin moves, the forecast moves with it rather than waiting to be updated.
Settlement delay is part of the model
Card payouts, PayPal and Klarna each land on their own schedule, and buy-now-pay-later lands late. The forecast uses the real delay each rail reports, which is the difference between a cash-flow projection and a profit chart with a different title.
04 / What it is built from
Cash-flow forecast is assembled
from accounts you already run.
01Measured margin02Fixed costs03Known bills04Payout timing05Order rate06Cash on hand
Cash-flow forecast
Forward bank balanceMeasured vs projectedBreak-even in daysLow-balance warning05 / How it is worked out
From the account
to the figure on the screen.
- 01ReadsYour measured margin over the last ninety days, not a figure typed at setup.
- 02AppliesFixed costs, known bills and the cash you told us is in the bank.
- 03ProjectsSix months ahead — solid where measured, dashed where projected.
- 04WarnsWhere the balance runs thin, before it happens.
Asked of the figures
Can the store afford next month’s inventory order?
Yes — the forecast dips to £3,180 in week four, then recovers. Moving the order one week later keeps a wider buffer.
How Profflow reasons06 / What it lets you do
What follows
from getting Cash-flow forecast right.
Forward bank balance
Six months of expected cash from measured margin and timing.
Measured vs projected
Solid where it is known, dashed where it is modelled — never blended.
Break-even in days
How long today’s order rate takes to cover today’s costs.
Low-balance warning
See the week the balance runs thin before it arrives.
Inventory timing
Judge a reorder against the cash it needs and when.
Your margin, adjustable
Change the assumed margin and the whole line moves with it.
07 / How the figure is kept honest
The same four rules,
on every screen.
Profflow observes the accounts it is connected to. It does not write an order, a price, a campaign or a payout back to any of them.
A charge read from an account is labelled measured. Anything modelled — a forecast, a projection, a filled gap — is labelled as such on the screen it appears on.
Follow any number to the dated rows underneath it. A figure nobody can check is a figure nobody acts on.
The product prepares a decision and shows the evidence. Nothing consequential happens until you say so.
Questions
About Cash-flow forecast.
- Is the forecast a guess?
- It runs on your measured margin over the last ninety days, not a number typed at setup. The measured part is solid; the projection is drawn dashed.
- What can it not know?
- A supplier invoice you have not entered or a tax bill you have not told it about. A forecast is only as complete as the costs it has been given.
- Can I change the assumptions?
- Yes. The assumed margin is measured but editable — change it and the whole line moves.
- How far ahead does it look?
- Six months, rebuilt as new orders and costs come in.
One operating system
The rest of the picture,
one view away.
Each part is useful on its own. Profflow holds them in one model, so a figure here carries the context from everywhere else.
See the whole productSee Cash-flow forecast on your own figures.
Six months projected from the margin you actually run at — solid where it is measured, dashed where it is projected — so the two stop being assumed to be the same.