Reporting & Analysis
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Reporting & Analysis
AI Cash Flow Assistant
A running projection of your cash position, built from receivables, payables and your payment history.
Running out of cash rarely comes out of nowhere. The signs are in your open invoices, upcoming bills and how your customers really pay, but pulling them together takes hours in a spreadsheet. This assistant builds a rolling cash projection from that data, shows a confidence range, and alerts you before your balance is likely to cross the threshold you set.
- Rolling cash projection built from your real payment history
- Early alerts before cash drops below your threshold
- Delivered by email, Slack or a simple web dashboard
$4,400
20–30 working days
Optional maintenance $249/mo
What it is
AI Cash Flow Assistant projects your cash position forward from open receivables, upcoming payables and your payment history, and alerts you before a shortfall arrives. It delivers by email, Slack or a web dashboard. Each projection shows a confidence range, not a single guess.
Why businesses buy it
A cash shortfall you see six weeks out is a decision. One you see six days out is a crisis. Most businesses run their cash view from a spreadsheet that is out of date the moment it is finished. After this build, your projection updates from receivables, payables and real payment behavior, and you get a warning while there is still time to chase invoices, delay spend or arrange funding. The Scope Card lists the data sources, alerts and schedule before you pay.
Problems this solves
A cash squeeze is spotted only when the bank balance drops
The assistant projects your cash position forward from open receivables, upcoming payables and payment history. Alerts warn you before a shortfall, leaving time to chase payments or move bills.
Cash forecasts assume every customer pays on time
Projections use your real payment history, so slow payers shift the timing as they do in practice. Each forecast shows a confidence range rather than one figure to over-trust.
Updating the cash forecast spreadsheet eats hours each week
The projection refreshes from up to three read-only data sources and arrives by email, Slack or web dashboard. Nobody has to rebuild the spreadsheet by hand each week.
A good fit if
You want to see cash position weeks ahead, not just today's bank balance.
Late-paying customers or lumpy payables have caught you short before, and you want earlier warning.
You already have receivables and payables data in a system like QuickBooks, Xero, NetSuite or Stripe you can connect read-only.
You want a recurring projection with alerts, not a one-off spreadsheet model someone has to update by hand.
Not the right fit if
You are more focused on budget-to-actual variance than forward cash position. See AI Budget Analysis.
You want a broader management report pack with commentary, not a cash-specific projection. See AI Financial Reporting.
You want your team to ask ledger questions directly rather than watch a projection. See AI Finance Assistant.
You need more than three data sources feeding the projection. Add a note at checkout for a Change Quote.
How it works
- You connect the data. Up to three read-only sources, typically your accounting system, bank feed or payment processor, feed the projection.
- You define what to track. The receivables terms, payables schedule and any recurring items that matter become the up-to-25 tracked metrics.
- It builds the baseline from history. At least three months of your historical cash movement sets the pattern behind the projection.
- It projects forward. Open invoices, upcoming bills and typical payment timing are combined into a rolling cash position with a confidence range, not a single guess.
- You get alerts before a shortfall. Up to five alerts flag when the projection crosses a threshold you set, giving you lead time to act.
- You review and calibrate it. Two rounds of changes before launch let you tune assumptions like average days to pay.
What you provide within 72 hours
Your portal lists these the moment you order. Delivery starts the working day after everything is in and your access is checked.
- Read-only access to your receivables, payables and bank or payment data sources.
- Your own definitions of payment terms and any recurring cash items to track.
- At least three months of historical cash movement to set the baseline.
- The list of report recipients and the channel they should receive projections on.
- Admin access and API keys for every connected system, shared by adding our team as a user or creating a key you control, never by email.
- Your business information (company basics, hours and brand voice), shared during intake.
- One decision-maker who can approve the assumptions and alert thresholds.
- An API key for your own AI model account (for example OpenAI or Google Gemini), created for this build with a spending limit.
The 72-hour rule. Send everything on your checklist, including access, within 72 hours of ordering so your build starts on time.
Timeline
Start
Intake verified and projection assumptions confirmed.
Weeks 1–2
Data sources connected and receivables and payables baselines built.
Week 3
Projection model, alert thresholds and dashboard or report configured.
Weeks 3–4
Results checked against three months of your historical cash data.
Week 4
Your review and two rounds of changes to assumptions and layout.
Go-live
Live, recorded handoff session held, and 30 days of support begins.
| Option | Delivery time | Price |
|---|---|---|
| Standard | 20–30 working days | $4,400 |
| Express | 15–25 working days | $5,150 |
| Rush | 10–20 working days | $5,950 |
What you receive at handover
- AI Cash Flow Assistant connected read-only to up to three data sources
- A recurring cash projection or dashboard with confidence ranges
- Up to five shortfall alerts and up to 25 defined metrics or questions
- Test report with projections checked against three months of your history
- Admin guide and a recorded handoff session
- 30 days of post-launch support
Expected benefits and how to measure them
- Can give you earlier warning of a tight month
- Helps you plan collections and payments around real customer behavior
- Makes the cash picture available without manual spreadsheet work
- Warning time before a low-cash point
- When an alert fires, note how far ahead of the low point it arrived, and keep a running log.
- Forecast versus actual cash
- Each month, compare the projected closing balance with the actual bank balance and note the gap.
- Hours spent on cash forecasting
- Log the weekly time spent on the forecast spreadsheet before launch and compare with the weeks after.
Before you start: Save your current cash forecast and how long it takes to update. Note any recent months when cash ran tighter than expected.
These are things to track, not promised results. Outcomes depend on your data, your team and your market.
Running costs
You pay for the build once. Running it afterwards costs roughly $20 to $150 a month for AI model usage and hosting or scheduler fees, billed directly in your own accounts. Build and test usage is billed the same way, so every provider relationship stays yours.
Ask about running costsCustom requirements
If you need a fourth data source or more than 25 tracked metrics, add a note at checkout. You get a written Change Quote before any extra work starts. Larger or bespoke projects go through the Custom AI request form.
Request a custom versionKeep it running
Monthly maintenance covers monitoring, fixes, model and platform updates, a monthly health report and monthly hours for changes, enough to adjust payment-term assumptions as customers or vendors change. It starts after the 30 days of included support.
$249/mo (the minimum fee, includes 2 change hours)
Optional. Starts after the post-launch support period. Cancel any month.
How maintenance worksHow this compares
| Do it yourself with a SaaS tool | Hire a custom agency | Upmark Labs | |
|---|---|---|---|
| Price | A cash flow forecasting tool charges a monthly subscription per connected account | A custom model build is quoted after discovery calls | Ours is one fixed price, shown before you buy |
| Scope | A generic forecasting tool leaves assumption-tuning to you | An agency agrees scope as the project develops | Ours is written on the Scope Card, including the 25-metric limit |
| Delivery | Self-serve forecasting tools still need weeks of setup and tuning | An agency project usually runs several weeks, set per project | Ours has a fixed delivery time shown before you buy, with faster options |
| Early warning | Many tools show a single projected number with no confidence range | An agency build depends on what was specified | Ours alerts you against thresholds you set, ahead of a shortfall |
Questions about this product
How far ahead does AI Cash Flow Assistant project?
The projection window is set during intake based on your receivables terms and payables schedule, typically several weeks ahead on a rolling basis. It is rebuilt on the schedule you choose, so the projection stays current as new invoices and bills arrive rather than going stale like a one-off spreadsheet forecast.
What data does the cash flow projection use?
Up to three read-only sources, commonly your accounting system for receivables and payables, plus a bank feed or payment processor such as Stripe. At least three months of historical cash movement sets the baseline the projection is built on. You grant read-only access, so nothing is written back to your accounts.
How does AI Cash Flow Assistant differ from AI Financial Reporting?
AI Cash Flow Assistant focuses specifically on projecting cash position forward from receivables and payables. AI Financial Reporting assembles broader management report packs with commentary across multiple areas. If cash timing is your main concern, this build is the narrower, more specific fit at a lower complexity than a full report pack.
How much does AI Cash Flow Assistant cost to run each month?
Roughly $20 to $150 a month for AI model usage and hosting or scheduler fees, paid directly in your own accounts. The figure depends on how often the projection refreshes and how many sources feed it. There is no separate ongoing platform fee from Upmark Labs beyond the one-time build price.
Can the alert thresholds be changed after launch?
Yes. Adjusting a threshold, such as the cash buffer level that triggers a warning, is a small change that fits inside the monthly change hours that come with maintenance. A bigger change, like adding a fourth data source, is quoted separately as a Change Quote before that work begins.
Is our banking and payables data handled securely?
Yes. Access credentials are shared by adding our team as a user or creating a key you control, never sent by email, and connections are read-only, so your bank feed and accounting data are never altered. The projection output stays inside the report or dashboard you configured. Role-based access and audit logging are available as add-ons.
What happens if our payment timing is unpredictable?
The projection is built from your own three months of historical data, so it reflects your actual payment behavior rather than a generic assumption. Two rounds of changes before launch let you flag where the projection feels off, and the model's assumptions are adjusted before you go live with it.
Can we cancel AI Cash Flow Assistant maintenance later?
Yes, plans bill monthly with no lock-in and can be cancelled for any coming month. The 30 days of support included with the build run regardless of whether you take a plan. If you cancel, the projection keeps running on its existing configuration until you choose to change something.
See the shortfall before it happens.
Order AI Cash Flow Assistant and get a rolling cash projection with early alerts, on a delivery date fixed and shown before you pay.
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