Cashwatch™

Never run out of cash. See the trough early.

Alfred forecasts thirteen weeks out, ages every debtor, and drafts the chase emails. Tax timing sits in the same view. You approve what gets sent.

Hartwell Joinery Ltd
13-week view · updated today
Trough ahead

Who owes you · £338k out there

Recent
£142k
30+ days
£88k
60+ days
£64k
90+ days
£44k

Lowest you'll dip, next 13 weeks: £96,000

Chase email ready · polite first£22,400
Chase email ready · firmer follow-up£16,000

£38,400 out · 2 chase emails ready for your approval

Upload your accounts, no setup, no integrations
ExcelCSVPDF Live connections soon
The cash surprise

Your bank balance should not feel like this.

For most small firms, a cash wobble arrives as a shock: late payers you forgot about, a tax bill before the receipts land, and no time to chase without burning relationships.

!The trough always comes late

You spot the low week when the balance is already falling, not thirteen weeks before when you could still act.

£Cash left on the table

Debtors drift past 60 and 90 days while you are busy on the tools. Nobody drafts the chase, so the money sits there.

?Nobody is on top of it

The owner runs the jobs. The accountant sees cash once a quarter. Tax timing lives in a separate calendar nobody checks weekly.

How Cashwatch works

Three steps.
You approve what goes out.

Alfred builds the 13-week view and drafts the chases in plain English. You review, edit if you want, and press send. Anything regulated still goes to a qualified accountant.

1Upload your accounts

Drop in your accounts as an Excel, CSV or PDF. About two minutes. Alfred only ever reads what you give him.

2Alfred maps cash and debtors

He forecasts thirteen weeks out, ages every debtor, and flags the trough. Tax bills sit in the same timeline so nothing lands as a surprise.

3You approve the chases

Polite first, firmer after. Alfred drafts each email. You review and send. Regulated calls still go to a named accountant who signs off.

Why it pays off

Fewer surprises, faster payment, calmer weeks.

The same cash discipline large firms take for granted, kept live for a fraction of what a wobble usually costs in time and stress.

Time backThirteen weeks, rebuilt in minutes

Alfred keeps the forecast current so you are not rebuilding a spreadsheet every Monday morning.

AssuranceA real accountant signs off

Every regulated call is reviewed and certified by a qualified professional. Alfred never gives regulated advice.

AccurateEvery figure carries its evidence

A full, timestamped trail your accountant, HMRC or insurer can follow back to the source.

Secure and compliantUK GDPR by design, encrypted

Built for UK GDPR with per-client isolation, encryption throughout, and your data not used to train our models. Database in London (eu-west-2); documents in EU-region storage.

Cost-effectiveBig-firm thinking, small-firm price

The cash discipline large companies take for granted, for the price of a subscription. Or sponsored by your accountant, at no cost to you.

Peace of mindWeeks of notice, not a panic

Know your lowest dip, who to chase, and what tax is due, long before the balance wobbles.

What Cashwatch catches

The things that hurt if spotted too late.

Cash, debtors and tax timing in one view. These are the signals that quietly turn a profitable month into a cash crisis when nobody is watching weekly.

Read more in our guides: 13-week cash flow forecasting explained, cash flow forecasting that includes tax, PAYE payment deadlines UK, when will my business run out of cash, how to chase unpaid invoices, and how to reduce debtor days.

13-week forecast with your lowest dip flagged earlyForecast
Debtor ageing from recent through 90+ daysAgeing
Chase emails drafted: polite first, firmer afterChase
Tax bills in the same timeline as receipts and payrollTax-aware
Late payers before the trough, not afterHigh
For business owners

The week you stop dreading the bank balance.

  • See the trough thirteen weeks out, not on the day it hits.
  • Plain English chases, no awkward phone calls unless you want them.
  • Know who owes what, what to say, and when to say it.
  • Tax timing in the same view as debtors and payroll.
  • You approve every email before it goes out.
For accountants

Your whole book, cash-ready in minutes.

  • Alfred ages debtors and drafts chases across every client while your team sleeps.
  • You review, edit and approve. Your name on what goes out.
  • Rebill Cashwatch on the client invoice at your own rate.
  • Hours saved per client, and advisory fees unlocked.
  • Your firm's brand on the forecasts and the chase drafts.

You set the client price and keep the margin. We charge you a simple wholesale fee per client.

Built on trust

Built so you can trust the numbers.

Security is the foundation, not a setting. Your data stays yours, the work is always traceable, and a qualified human owns every regulated decision. Read our security overview.

You choose what to share

You upload only the documents you want Alfred to see. He reads them, never changes them, and acts only on what you approve.

EU-region storage, encrypted

Client data in isolated schemas (London database, EU document storage), encrypted in transit and at rest. Your data is not used to train our models.

Named human sign-off

Regulated work is reviewed and certified by a qualified accountant who stands behind it.

Full audit trail

Every figure and every approval is logged and timestamped, ready for HMRC or your insurer.

Vetted partners only

Any insurance or finance introduction goes to FCA-authorised firms. Alfred never sells.

ISO 27001 targetedSOC 2 Type II in progressUK GDPR alignedCyber Essentials plannedFCA-authorised partnersEU region hosting
Pricing

Fair and square.

See what Alfred finds for nothing. Pay only when it is clearly worth it.

Free look
£0

See what Alfred spots in your cash position.

  • A full first 13-week forecast
  • Your top three debtor flags, free
  • No card, no commitment
Free at launch
Most popular Cashwatch / Core
£49/month

The full cash view, minded all year.

  • Live 13-week forecast with tax timing
  • Debtor ageing and drafted chase emails
  • One-tap share with your accountant
  • Always-on alerts when the trough moves
Available at launch
Sponsored
£0 to you

Included by your accountant, their name on it.

  • Your accountant includes it in their fee
  • No accountant? We match you with a vetted one
  • Everything in Cashwatch, plus their sign-off
Available at launch
Word from the high street

Built for the van, the counter and the back office.

"I saw the dip six weeks before it hit. Two chase emails went out, forty grand came back, and I never had that Sunday-night panic."
ST
Sarah TJoinery firm · Cambridge
"Across my book the ageing and chases are drafted before I open the laptop. I review, tweak if needed, and bill the advisory. It has paid for itself many times over."
RJ
R. Jackson FCCAAccountancy practice · Norfolk
"I used to find out we were short when the payroll bounced. Now I know the trough date and who to chase, every Monday."
DP
Dev PConvenience stores · Leicester

Illustrative, for a product going live. Real names and firms to follow.

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