Cash flow forecasting your practice can refresh every week from the ledger directly.
Let AI Agent run your cash flow forecast
Build base
"Build a 13-week base cash flow forecast for this client directly from the ledger in Xero. Pull the opening cash position, AR ageing, AP ageing, payroll commitments and the recurring direct debit list. Apply the client's prior collection and payment patterns learned from the last two quarters, with a separate cohort for new customers. If the client has a credit facility or invoice finance, ask me how to treat the facility in the base case. Pause before publishing; the senior reviews the assumption log first. Ask me where the practice keeps the client's facility documents. Save the base, the assumption log and the variance template to Google Drive."
Layer commitments
"Layer commitments onto the base forecast for this client in QuickBooks. Add the VAT return schedule with the payment-on-account dates, the PAYE liability per pay period, the Corporation Tax payment dates (quarterly instalments for larger clients), the rent and software direct debits and any scheduled capital expenditure. Tie each commitment back to the document or HMRC notice that confirms the timing. If a commitment is unconfirmed, ask me whether to model the central estimate or to keep it off the forecast. Pause before adding a commitment to the published view. Save a note for the practice manager listing commitments added, unconfirmed items and queries for the practice."
Run scenarios
"Run scenario layers on top of the base forecast for this client in Sage 50. Configure each scenario as a delta layer, not a new spreadsheet: invoice finance drawdown, asset finance for a planned vehicle purchase, a new hire on the payroll, a price increase across a customer cohort. Compute the weekly cash impact, the minimum balance under each scenario and the headroom against the agreed overdraft. If a scenario assumption needs a value the practice has not set, ask me whether to use the default or the client-specific input. Pause before publishing any scenario to the owner. Save a note for the practice manager listing minimum balance, headroom and decision points."
Refresh weekly
"Refresh the cash flow model for this client weekly in FreeAgent. Update the opening cash position from the bank feed, pull the new invoices and credit notes since last week, re-cut the collection profile against any change in the customer pay rhythm and roll the 13-week window forward. Compute the variance against last week's forecast and call out the three largest movements with explanations. If a movement exceeds the practice's variance threshold, ask me before publishing. Pause for senior review on anything outside policy. Ask me where the senior signs off the weekly pack. Save the refreshed forecast, variance commentary and assumption log to Google Drive."
Cash flow forecasts built by AI Agents
Forecasts, scenario refresh, debtor-day shifts and supplier-term changes stop landing on staff one client at a time. The AI Agents update the cashflow across the book, which is where the up to 80% lower cost to serve per client comes from, with manager review held on assumption changes.
Forecasts that learn each client's collection rhythm
A real cash flow forecast lives on the collection and payment rhythm of one specific client, not a market average. Minded learns each client's pay-on-time profile, the dispute pattern and the seasonal pull, then re-applies it weekly. Connect this with AR automation with AI so the chase activity feeds the forecast assumptions.
One forecast flow across Xero, QuickBooks, Sage 50 and FreeAgent
A real practice carries forecasts for clients on Xero, QuickBooks, Sage 50 and FreeAgent at the same time. The same base, scenarios and refresh motion runs natively against each ledger without rebuilding the model. For the wider working-capital view, see treasury management with AI and financial reporting with AI.
How is this different from a cash flow forecast template in Excel?
A template is editable but static; every cell needs maintaining and someone forgets to roll the dates. Minded reads the ledger directly each week, applies the learned collection and payment patterns and refreshes the forecast, leaving the practice to review the assumptions and the variance rather than rebuilding the file.
Does the agent replace Float, Fathom or Spotlight cash flow tools?
It can. Float and Fathom present forecasts on top of the ledger; Minded does the same and runs the assumption refresh as a standing job. Practices already using those tools can keep them and let the agent maintain the underlying assumptions and the weekly variance commentary.
How does the agent model VAT, PAYE and Corporation Tax payments to HMRC?
The agent pulls the VAT return schedule, the PAYE payment schedule and the Corporation Tax due dates from the client's HMRC profile, lands those payments on the forecast at the correct due dates and reflects flat-rate or annual accounting where it applies. Quarterly instalment payments are modelled for larger clients.
Can the agent run scenario forecasts for borrowing, hiring or investment?
Yes. The agent runs the base forecast plus scenarios the practice configures: invoice finance drawdown, asset finance, a new hire on the payroll or a capital investment. Each scenario is a layer on the base, not a separate spreadsheet, so the senior can compare options side by side.
How does the agent share the forecast with owners and senior advisors?
The forecast is shared as a viewable summary with the senior commentary and the assumption log, and the full working paper is saved to the client folder. Owners get a one-page weekly view; the practice keeps the underlying detail and the audit trail of changed assumptions.