Turn client receivables, payables, inventory, and cash movement into clear next actions.
Let AI Agent run your working capital management
CCC Analysis
Compute last month's DSO, DPO, and DIO for the selected client in QuickBooks Online. Pull AR aging, AP open balance, and inventory on hand at month end. Use the firm's standard formula (revenue, COGS, period). Compare with the prior three months and the trailing twelve. If the calculation method is not configured, ask me whether to use the firm's default or a client-specific override. Pause before publishing, the trend headline shapes the controller's call. Send a Slack thread with last month's values, the trailing trend, and the deltas vs the prior month.
Collections Worklist
Build the AR collections worklist for last month for this client in NetSuite. Use the AR aging report, each customer's payment history, the materiality threshold, and the firm's escalation ladder (reminder, second reminder, owner email, dispute). Group by next action and named owner. Ask me where the firm stores its escalation ladder if it is not in the system. Pause before any email leaves the firm, no client-facing communication without explicit approval. Return a Slack worklist with customer, owed amount, days overdue, recommended next action, and the suggested email draft.
Review Vendor Terms
Review vendor terms for last month for this client in Sage Intacct. Compare each material vendor's stated terms against the firm's average payment behavior, surface vendors paid faster than required, and identify candidates for terms renegotiation (Net 30 to Net 45, early-pay discount review). Ask me where the firm stores its renegotiation policy and any prior vendor commitments if it is not obvious. Pause before flagging strategic vendors the client has asked to pay early. Save the review pack to Google Drive with vendor, current terms, average paid, recommendation, and risk notes.
Reforecast CCC
Reforecast last month's cash conversion cycle for this client in Xero. Combine the new DSO, DPO, and DIO with the firm's working-capital scenarios, base case, accelerated collections, terms renegotiation. Project the cash impact over the next three months. Ask me which scenarios the controller wants run if a scenario list is not saved. Pause before swapping the working capital baseline. Save the reforecast to Google Drive with assumptions, projected cycle days, and the cash effect per scenario.
DSO, DPO, DIO Ratio Analysis With the Cash Conversion Cycle
Working-capital review is ratio analysis, not forecasting. The agent computes the three core efficiency ratios each month from live ledger data: DSO (Days Sales Outstanding) on the AR sub-ledger and trailing revenue, DPO (Days Payable Outstanding) on AP balance and trailing COGS, DIO (Days Inventory Outstanding) on inventory on hand and trailing COGS. The cash conversion cycle is DSO + DIO − DPO, expressed in days the business waits before its working capital recycles into cash. The agent reports last month's value, the trailing 12-month median, and the deviation, with the customers and vendors driving each number named on the line.
Customer and Vendor Terms Review With Renegotiation Candidates
Ratios alone do not move working capital. The agent ties the ratio movement back to the underlying terms: customer payment terms (Net 15 vs Net 30 vs Net 45 by segment), vendor payment terms negotiated at onboarding, early-pay discount opportunities, and the gap between stated and actual behavior. A vendor on Net 60 paid in 25 days is a DPO leak; a customer on Net 30 paying at 55 days is a DSO leak. The agent surfaces a renegotiation candidate list each month: who to push out, who to reward, who to talk to before the next contract renewal.
Up to 80% Lower Cost to Serve
For accounting firms, the buying question is cost per clean monthly working-capital review across the client portfolio. Minded positions the AI bookkeeper for up to 80% lower cost to serve by moving repeat aging and terms work from staff queues into supervised agent runs, without removing approval controls.
How does Minded support working capital management for monthly client reviews?
Minded pulls accounting and bank movement data, organizes AR, AP, inventory, and cash activity, then prepares working capital review outputs for each client. The workflow helps an outsourced controller identify drivers behind cash pressure, aging balances, payment timing, and operational changes before the monthly client meeting.
Can Minded run DSO DPO DIO ratio analysis and cash conversion cycle reporting?
Yes. Minded can calculate DSO, DPO, DIO, and cash conversion cycle using period activity, balances, and supporting transaction detail. It can also surface period-over-period movement, exceptions, and the customers, vendors, or inventory accounts contributing most to the change.
How does Minded help with vendor terms review and customer payment terms negotiation?
Minded reviews invoice dates, due dates, payment behavior, vendor terms, and customer collections patterns. It can flag vendors paid earlier than required, customers consistently paying late, and accounts where revised terms may improve cash timing without changing the underlying revenue or expense forecast.
How would an AI bookkeeper use this for SMB working capital optimization?
An AI bookkeeper can use Minded to prepare the recurring workpapers, ratio calculations, exception lists, and recommendation notes needed for working capital optimization. The human controller can then review the outputs, adjust assumptions, and present practical actions to the client with supporting detail.
Which accounting systems and bank data sources can feed the working capital workflow?
Minded works across QuickBooks Online, Xero, NetSuite, Sage Intacct, and Zoho Books. Bank movement data can be connected through Plaid or Finicity. This allows the workflow to compare ledger balances, posted transactions, and cash activity when preparing DSO, DPO, DIO, and cash conversion analysis.