Cash Flow Predictor

What is Cash Flow Predictor?

• Liquidity Intelligence. Traditional cash flow forecasting is a "rearview mirror" exercise - static ERP data, outdated spreadsheets, manual bank reconciliations. A delay from Shanghai or currency fluctuation renders monthly forecasts obsolete in hours. Cash Flow Predictor integrates logistics intelligence with treasury operations, analyzing real-time variables like vessel GPS location and historical payment latency to predict exactly when cash will land.

• Behavioral Analytics. Moves beyond static payment terms (Net 30) to actual payer behavior (Customer X pays on day 42). ML models identify complex patterns human analysts miss - seasonal payment dips, customer-specific delays. Detects looming working capital gaps due to supply chain disruption and suggests dynamic factoring options to bridge shortfalls.

• FX Shield. Currency volatility constantly threatens margins. Continuously monitors FX exposure on open invoices and triggers automated hedging strategies to lock in margins. Transforms FX management from speculative hazard into controlled, predictable process - protecting from the "shekel roller coaster" or other currency fluctuations.

• Scenario Planning. Runs thousands of simulations projecting future cash positions. Models "Best Case," "Worst Case," and "Supply Chain Disruption" scenarios, showing potential impact of external shocks on liquidity. Highlights periods of deficit or surplus weeks in advance.

Replaces:

• Monthly drudgery of exporting and combining CSVs from multiple bank accounts.
• Rigid AR aging reports with dynamic behavior-based payment prediction.
• Ad-hoc currency trades with automated rule-based FX hedging.
• Siloed logistics milestones disconnected from financial forecasts.
• Manual variance analysis between actuals and forecasts.

Why Cash Flow Predictor?

• 85-90% Forecast Accuracy. Manual forecasting achieves only 60-70% accuracy due to data lag and human bias. Integrating real-time variables and ML improves accuracy to 85-90%. This precision allows CFOs to reduce emergency cash buffers, deploying that capital into growth initiatives or debt reduction.

• Working Capital Unlock. Inaccurate forecasting forces holding excess working capital to avoid liquidity crunches. Predicting exact cash needs based on real-time data enables unlocking millions that would otherwise be trapped in inefficient inventory or idle balances. Reduces reliance on expensive external financing.

• Real-Time Decision Speed. Updates forecasts daily or intra-day, providing real-time business pulse. Finance leaders run rapid "what-if" scenarios - impact of tariff hikes, supplier delays - making informed decisions in minutes rather than weeks. Saves finance teams 10-12 hours per week on data aggregation.

• Proactive Risk Mitigation. Monitors currency exposure of every invoice in real-time. Suggests or executes automated hedging contracts to neutralize risk. When supply chain disruption is detected, instantly updates forecast to reflect delayed revenue for preemptive action.

How It Works

1. Data Ingestion. Connect to bank portals via APIs for real-time balances, ERP (NetSuite, SAP) for open invoices, and TMS for logistics milestones. Create unified data lake as single source of truth for liquidity analysis.

2. Behavioral Analysis. ML analyzes historical payment behaviors - looking beyond contract terms to actual payer patterns. Factor in seasonality, economic indicators, and interaction history to assign probability and timing to every expected cash inflow.

3. Predictive Modeling. Run thousands of simulations projecting future cash positions under various scenarios. Highlight periods of potential deficit or surplus weeks in advance, allowing proactive planning rather than reactive firefighting.

4. Automated Recommendations. Generate actionable recommendations: discount specific invoices to accelerate cash during deficits, recommend investment vehicles for surpluses, propose specific hedging actions for FX exposure. Execute automatically or route to treasurer for approval.

Get Started

Deploy Cash Flow Predictor to gain clarity over liquidity. Achieve 85-90% forecast accuracy, protect margins from volatility, and unlock working capital for growth.