AgencyCashRhythm: Cashflow dashboard

Uses 4 key numbers to help small agencies see payroll coverage risk in 15 Monday minutes

Problem

Small service businesses often face cash crunches at quarter-end from unpaid invoices and sudden expense spikes. One team documented a Monday cash ritual, but there is no lightweight tool to enforce rules like a 14-day collection lag, a 10% expense shock buffer and 13-week rolling forecasts, so they still rely on spreadsheets.

Solution

A minimal cashflow dashboard: import or enter open invoices and fixed expenses, stress-test with user-defined collection delays and expense shocks, generate a 13-week payroll coverage forecast with red/yellow/green alerts, and list invoices to chase this week.

Users

Small agencies, consulting studios, service business owners and part-time finance staff

MVP

Manual entry or CSV import of invoices and expenses; configurable collection delay and expense shock parameters; 13-week rolling payroll coverage chart; this-week chase list; red/yellow/green risk indicators.

Revenue

Monthly subscription tiered by company size; accountants/bookkeepers can white-label and distribute to clients.

Why now

Economic uncertainty makes small businesses cashflow-conscious, yet big finance software is too heavy for small teams. The rule set is community-validated; a lightweight build by an indie is a viable wedge.