Product tour · Lenses
CashflowDid we make anything this week?
How are we actually doing, this week, in money? Every pound in and out in one place: sales against costs, including what the rota cost, what's owed each way, and what's coming. It's the Friday question, answered in one look.
In, out, the gap, and who owes whom.
Cashflow owns nothing. It reads the takings from Services and Products, the bills from My Business, the rota from Team and what's owed from Money, so all of it lines up in one place.
In
Sales this week and month, by service and by product, against the same period last time.
Out
Supplier bills, rent, subscriptions and expenses, and what the rota cost.
The gap
In minus out, this week and this month, with the trend, so "are we OK?" has a number.
What's coming
Bookings already taken, renewals due, and recurring costs about to go out.
What the rota cost, against what the week earned.
Every accounting tool shows invoices in and bills out. Almost none shows a service business what a week's staff actually cost against what that week earned, even though staff are the biggest cost it has. Simma can, because the rota, the hours and the takings are in the same system.
Two cover shifts and a quiet Tuesday. Next week is back to normal on the current rota.
Every pound, in the order it moved.
One running list of everything with a money value: an invoice raised, a payment in, a bill paid, a payout landed, a week's wages. Each line links to the record it came from.
- FriPayout to your bankSimma Pay · Monday to Thursday's takings£2,315
- FriWages, this weekTeam · 4 people · 118 hours−£1,890
- ThuHarbour Wellness paidInvoice · 18 days late£780
- WedStudio rentMy Business · standing order−£950
- Tue12 memberships renewedServices · 3 declined, retrying£1,080
It sees the squeeze coming.
The takings, the rota, the bills and the bookings ahead are all in one place. So Simma can see a tight month before it arrives.
"Staff cost was 41% of takings last week, against your usual 32%."
"Costs rose 12% this month and sales rose 3%."
"£6,800 is due out this month and £4,200 due in."
"Next week is 40% below your usual bookings at this point."
"4 completed jobs haven't been invoiced."
"Your subscriptions have grown £180 a month over the year."
Fiona answers the Friday question.
Fiona, the finance agent, reads the whole cash picture and brings the owner the one or two things that would change it. She never moves money without the owner's say-so. Meet the agents →
"You kept £1,140 this week, £210 less than last. Two cover shifts pushed staff to 41% of takings. Harbour Wellness paid their £780, and £460 is still overdue. Send the reminders?"
What it replaces
What it looks across
Money is where payments are done. Cashflow is where they're understood. With Simma Bank, it would see every account the business has.