Profit and cash are not the same thing. A business can be profitable on paper and out of cash in reality. This tool maps every pound in and out over the next 30 days, identifies your lowest cash point, and tells you exactly where and when to act.
Real inputs. Real outputs. See exactly what you get before you commit to anything.
This is a live preview of the 30-Day Cashflow Analysis — the same tool available to all subscribers.
Subscribe to access →Every tool generates a downloadable PDF report — structured like a professional consultant's analysis, built from your actual data. Below is an example using dummy data.
The most dangerous financial situation for an SME is not making a loss. It is being profitable on paper while running out of cash in the bank. This happens more often than most business owners realise, and it happens because profit is an accounting concept while cash is a physical reality. Your profit and loss account tells you what you earned. Your bank account tells you what you actually have.
The gap between the two is where businesses fail. A product business that sells on 30-day or 60-day credit terms might be generating strong gross margins on every sale — but the cash does not arrive until weeks after the product is delivered, the staff are paid, and the suppliers are settled. A service business might bill for a large project in month three of a six-month engagement, but absorb costs from day one. In both cases, the P&L looks healthy. The bank account does not.
The tool maps every expected cash inflow and outflow over the next 30 days on a week-by-week basis. It calculates your closing balance, identifies your lowest cash point on any specific day, and flags where and when pressure is greatest. Unlike a simple income and expenditure calculation, it shows the timing of cash movements — which is what actually matters when you are managing a bank account in real time.
Your closing balance at day 30 is less important than your lowest cash point during the period. A business can start with £18,000, end with £20,000, and still hit a dangerous dip of £2,000 in week two if a large payment goes out before receipts arrive. The tool identifies this lowest point and the day it occurs — so you can take action before it happens rather than after.
The most effective actions are straightforward: accelerate collections before the dip, defer non-essential payments past the dip, or arrange a short-term facility as insurance. None of these are difficult. But none of them happen if you do not know the dip is coming.
VAT is one of the most common sources of unexpected cashflow pressure. If you are VAT-registered, 16-20% of every sales receipt you collect is not yours — it belongs to HMRC and is due quarterly. Many SME owners treat their full bank balance as available cash, not realising that a significant portion of it is a liability. When the VAT quarter ends and the payment is due, the business suddenly faces a large outflow that was always coming but was not properly accounted for.
The 30-Day Cashflow tool includes a VAT toggle. When activated, it separates the VAT component of your receipts from available working capital and shows you the true cash position — what you actually own versus what you are holding on behalf of HMRC. For businesses approaching a VAT quarter end, this distinction can be the difference between a manageable quarter and a crisis.
Profit is revenue minus costs, calculated on an accruals basis — when work is done or goods are delivered, regardless of when payment is received or made. Cash is physical money in your bank account. The gap between the two — working capital — is the float that keeps a growing business solvent.
A business that grows quickly can actually experience cashflow pressure precisely because of its growth. More sales means more stock to buy, more staff to pay, more credit to extend to customers — all of which consume cash before the revenue is collected. This is called overtrading, and it is a common reason why rapidly growing businesses fail despite strong sales. The cashflow tool helps you model whether your current growth rate is compatible with your current cash position.
Enter your opening bank balance, then input your expected cash in and cash out for each week of the period. The tool calculates your closing balance, tracks your running balance day by day, identifies your lowest cash point, and produces a status verdict. The weekly breakdown reveals which week carries the most risk and allows you to plan specifically around that period rather than managing the month as a whole.
The 30-Day Cashflow tool is included in every LumixAI subscription. £19.99/month. 7-day free trial. Cancel any time.