Small-Business Cash Flow Timeline

Helps small business owners map upcoming bills and receivables onto one timeline

Problem

Small business owners show a healthy profit on paper but often run into cash flow emergencies: materials due Friday, subcontractor payment next Monday, while customer invoices won't clear for two or three weeks. Existing accounting tools only record what happened and don't help users simulate cash gaps for the coming weeks.

Solution

Build a lightweight cash flow scheduling tool where users enter receivables and payables, and it auto-generates an 8-week cash curve, highlighting weeks likely to go negative. Supports filtering by business line and alerts which delayed payment will widen the gap.

Users

Small construction contractors, trading companies, freelancers, and other operators with mismatched income cycles.

MVP

Manually enter receivable and payable items with dates; auto-generate weekly cash flow curve; highlight deficit weeks; mark payment status and reschedule; export a summary report to share with partners.

Revenue

Free tier limited to 20 receivables/payables; subscription unlocks unlimited entries, multiple entities, and automatic bank feed import.

Why now

Small business owners often muddle through with spreadsheets and resist bloated finance software; an indie developer can build a minimal 'cash timeline' and win paying users through focus and ease of use.