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AI Cash-Flow Analysis Agent Development
The coming weeks of cash, explained
An agent that explains where cash stands and where it is heading.
An agent that explains where cash stands and where it is heading. From reconciled bank and ledger data it shows what is due in and out, what changed since last week, and prepares scenarios in which every assumption is written down.
Most businesses know their profit better than their cash. The cash view is a spreadsheet someone updates on Fridays, built from an aged debtors report, a payment run and experience. It answers "can we make payroll" and little else. When a large customer pays late, nobody can quickly say what that does to the next eight weeks.
This page describes a workflow we propose to build as a custom project. It does not exist as software yet. It would reuse the exact arithmetic from our invoice demonstration and the practice, used across our demonstrations, of showing the evidence behind every result. Reading bank and ledger data, the cash view and scenarios are not built.
Six jobs it carries through
Current position
States where cash stands today.
- Bank balances from your feeds
- Money due in and out, from the ledger
- Items not yet reconciled, listed apart
- As of a stated date and time
Expected flows
Lists what is expected and when.
- Receivables by due date and by habit
- Payables, payroll and tax dates
- Recurring items
- Each with its source
Change explanation
Says what changed since last time.
- Receipts that arrived or slipped
- New commitments
- Movements larger than your threshold
- What is unexplained
Scenarios
Prepares what-if views.
- A named customer paying late
- A delayed supplier run
- A new hire or purchase
- Assumptions listed at the top
Early warnings
Flags weeks that look tight.
- Projected balance below your floor
- Dependence on a single receipt
- Covenant or facility limits you define
- The inputs behind the warning
Report for the owner
Delivers a readable summary.
- One page, weekly
- The same layout every time
- Assumptions and data gaps stated
- Detail one click away
What Goes Wrong Without It
A spreadsheet on Fridays
The view is a week old the day after it is made.
Profit mistaken for cash
A good month on paper and an empty account.
Assumptions nobody wrote down
The forecast depends on a customer paying on time, and nobody said so.
One late payment, unknown effect
Finding out takes an afternoon.
Unreconciled inputs
The forecast is built on balances that are wrong.
False precision
A figure to the last unit, for a date three months away.
Walk One Real Case Through It
Thirty minutes, one case from your own process. We map it against the workflow on this page and tell you plainly what can be reused from our demonstrations and what has to be built for your systems.
How One Request Moves Through
An example of one case, in 6 steps. The same steps play in the picture at the top of this page.
Data read
On Monday the agent reads bank balances and the open ledger items.
Position stated
It reports the balance, what is due in and out over eight weeks and what is unreconciled.
Change explained
Last week's shortfall against plan traces to one large receipt that slipped.
Scenario run
The finance lead asks what happens if that customer pays three weeks late.
Warning shown
In that scenario, week five falls below your stated floor, and the inputs are listed.
Decision left
The finance lead moves a supplier payment run. The agent recalculates on the new plan.
Where It Connects
The systems named here are the kind this agent works with. Which ones it connects to in your case is settled in the scope.
Bank data
- Balances and transactions from your banks
Accounting
- Receivables, payables and the ledger
Payroll and tax
- Dates and amounts of fixed outflows
Commitments
- Loans, leases and planned purchases
Rules
- Your cash floor and warning thresholds
Reporting
- A weekly page and a scenario view
Stated Assumptions, Not Predictions
A cash view is only as good as its inputs, so the agent separates reconciled figures from provisional ones and names the source of every expected flow. A scenario is arithmetic on assumptions you can read. It is not a prediction, and it is not presented as one.
The agent has read access to bank and ledger data. It cannot move money, change a payment run or take a financing decision, and nothing it produces is financial advice.
- Reconciled and provisional figures kept apart
- A source for every expected flow
- Assumptions listed with every scenario
- Warnings shown with their inputs
- Read access only
- Decisions left to people
Asked Before the First Call
It projects from what your ledger says is due, and it calculates scenarios on assumptions you state. It does not claim to know when customers will actually pay. Where it uses a customer's payment habit, it says so and shows the history.
Reconciliation makes the past correct: what was paid, and for what. This agent looks forward from that corrected base. A cash view on unreconciled books is unreliable, which is why this one labels unreconciled items.
The data analyst answers any question from governed data when asked. This agent produces one recurring view, of cash, with scenarios, for the person responsible for it.
Not as software yet. This page describes a proposed workflow. It would reuse the exact arithmetic from our invoice demonstration and the practice, used across our demonstrations, of showing the evidence behind every result. Reading bank and ledger data, the cash view and scenarios are not built. A project starts by mapping your process, then proving the first steps on test data before anything touches a live system.
Show Us Your Current Cash Spreadsheet
We will list every assumption hidden in it. Writing them down is useful whether or not you build anything.