Cash Flow Intelligence

Go to Finance → Cash & Liquidity to access the Cash Flow Intelligence view. It shows: Current cash position (live balance from your connected bank or payment accounts), Cash flow waterfall (inflows and outflows for the selected period, broken down by source and category), Cash runway (based on current burn rate, how many months of runway do you have?), Upcoming large payments (bills and payroll visible from connected accounts), and Cash flow forecast (projected cash position for the next 13 weeks based on scheduled receipts and payments).

For full cash flow intelligence, connect your business bank account via Open Banking (Settings → Data Sources → Add New Source → Bank Account). AskBiz uses the UK Open Banking standard and connects to all major UK business banks (Barclays, HSBC, Lloyds, NatWest, Starling, Monzo Business, and others). The connection is read-only — AskBiz cannot initiate payments or modify your account. Bank data is used solely for cash position visibility and is protected under the same security standards as your other connected data.

Cash runway = current cash balance ÷ average monthly net cash outflow. AskBiz calculates this automatically when bank and payment data is connected. A runway of 6+ months is a healthy buffer for most SMEs. Below 3 months is a warning — you should be actively managing cash (accelerating receivables, deferring non-critical spend, or arranging a credit facility). The runway is shown as a traffic light indicator on your Finance dashboard: green (6+ months), amber (3–6 months), red (under 3 months).

The 13-week rolling cash flow forecast projects your cash position week by week for the next quarter. It combines: confirmed inflows (invoices raised with payment dates), historical inflow patterns (customer payment timing based on past behaviour), scheduled outflows (rent, payroll, known supplier payments), and historical outflow patterns (estimated variable costs). The forecast assumes no new sales and no new costs beyond what is visible — it is a floor-case projection, not a growth forecast. Use it to identify weeks where the cash balance is forecast to dip to a level that requires action.