Cashflow without surprises.
Run the books like a CFO.
You shouldn't need an accountant on retainer to know if next month works. Cashflow King forecasts 90 days of business cashflow, ringfences VAT + Corp Tax + payroll, and tells you when the next shortage is coming — so you can act, not react.
No card. No demo gatekeeping. Multi-entity from day one.
Stop running the business from your bank app.
Xero + a calendar + a hope-and-pray isn't a cashflow strategy. Here's what is.
Forecast 90 days, not the past
Bookkeeping looks backwards. Cashflow looks forwards. Combine recurring direct debits, payroll runs, projected sales, and one-off costs into a running daily balance for the next 90 days. Red bands show where you'll run short — weeks before you actually do.
- Per-entity and consolidated workspace views
- Shortage windows highlighted with the exact gap in £
- Includes inter-entity loans + scheduled debt repayments
Ringfence VAT, tax, payroll, pensions
The classic SME killer: VAT bill due, money already spent. Add VAT/Corporation Tax/PAYE/Pension as Debts with their actual due dates and minimum amounts. The cashflow forecast deducts them BEFORE you can spend the money.
- Quarterly VAT modelled as ON_DEMAND debt
- PAYE + pension as recurring monthly outflows
- “Available to spend” = current balance − ringfenced obligations
Save for equipment + growth
That new van. The fit-out. The hire. The next-level software stack. Each gets a savings target with a deadline. {BRAND.name} carves out a monthly contribution from real surplus — without breaking your emergency fund or VAT pile.
- Multiple parallel growth goals
- Projected hit date updates with every real income figure
- Auto-flags when the goal stops being achievable
Emergency fund, finally
“Three months of running costs” is the textbook answer. {BRAND.name} works out what three months actually means for YOUR business based on the last 90 days of real data — and builds you a path to get there without strangling the day-to-day.
- Per-entity buffer target you set
- Plan auto-pauses aggressive growth saving until the buffer holds
- Shortage alerts kick in before you breach it, not after
For the operator running the show.
90-day cashflow chart
Daily running balance per entity. Shortage windows in red. Net in/out bars under the line. Built for operators, not accountants.
Multi-entity
Run the holdco, the trading entity, and the personal pot side by side. Switch between, or see the consolidated workspace position.
VAT + tax debt tracking
Add HMRC bills as Debts with their actual due dates. The forecast deducts them before you can “accidentally spend” the money.
AI debt plan
Vehicle finance, business loans, supplier balances. List them, set a goal, let the AI build a payoff timeline that protects your emergency fund.
Inter-entity loans
Move money between your own entities, with paired transactions on both sides. Repayment schedules, interest, and a live ledger.
Team access
Invite your accountant or finance lead. Read-only or full access, per-user RBAC. Audit log of every change.
Reports + exports
P&L, VAT summary, cashflow statement, top counterparties — by date range, per entity, CSV exports for your accountant.
Bank statement imports
PDF or CSV from every UK bank. AI parses, dedupes, categorises. We never touch the real bank balance — uploads are reference + pattern detection only.
UK GDPR compliant
Hosted in the UK. Audit logs. DPA for B2B customers. Founder-grade privacy — your data is yours.
Built for UK SMEs.
Especially the ones with multiple entities, quarterly VAT, and payroll that has to land every month no matter what.
Take the crown over your cashflow.
Add your entities, upload last month's bank statement, and you'll have a 90-day forecast inside ten minutes. Free for 14 days.
Start your free trial