Hands-Free Cash Flow Forecasting
Cash flow forecasting your practice can refresh every week from the ledger directly.
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Let AI Agent run your cash flow forecast
One prompt. Multiple tools. Real outcomes.
Build base
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.
Trusted by the world's best
“Each customer request used to take 4 hours of manual work across 3 different systems. Now with Minded over 80% of payment requests take less than 10 minutes and our VIP customers have never been happier.”
“We serve 40% more clients per bookkeeper with no new hires. AI files the tax forms and drafts the documentation. Each bookkeeper gets 12 hours a week back for review and advisory work.”
“We dropped Excel sheets and finance emails for automating payments and invoices for 50K restaurants. AI worked on top of SAP without migration.”
Integrate with your existing software
Seamlessly integrate cash flow forecasting workflows with your existing tools, ERP, and communication channels.
Benefits
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% low
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
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 rebuild
Activate your tools without APIs
Forget about asking your CTO to shift priorities, let your agents operate like your humans do and deliver real value to your customers from day 1.