01 · Follow the money
One invoice, from sent to reported.
Fernhill invoices Harbour & Pine Cafés for 400 kg of coffee. Watch which numbers move — and which don't — at each step.
INV-2214SentInvoice to Harbour & Pine CafésCreated from the delivery. Revenue is counted now, when it’s earned — even though no money has arrived.
400 kg house espresso$8,400.00Sales tax 10%$840.00Invoice total$9,240.00Due14 May · 14 days
Cash in bankno change$284,600No change — nothing paid yet
Owed by customers+$9,240$186,400Includes $42,100 overdue
Revenue · April+$8,400$398,000Counted when invoiced, excluding tax
Sales tax owed+$840$32,880Collected for the tax office, not income
Profit moves when you invoice: revenue +$8,400. Cash hasn’t moved at all.
Playing automatically · pick a step to take over · Sales tax at a sample 10% · fictional businesses02 · Cash position
See your cash position clearly.
The next eight weeks of collections, payroll, supplier payments, rent and tax. Change the assumptions and see where cash gets tight.
Scenario
Wholesale customers pay lateOn time
Supplier and running costs rise+0%
Cash today$293,840Collections · 8 weeks+$752,000Payments · 8 weeks−$868,880Cash in 8 weeks$176,960Lowest point$176,960 · week 8
This is a cash forecast, not profit: it shows when money moves, including tax and payroll, not when it's earned.Week-end cash balance$100k safety buffer
$342k
$318k
$266k
$244k
$296k
$243k
$195k
$177k
Wk 1RentWk 2PayrollWk 3Coffee supplierWk 4PayrollWk 5RentWk 6Sales taxWk 7Coffee supplierWk 8Payroll
Cash stays above the $100k bufferLowest point is $176,960 in week 8, after the coffee supplier payment. No action needed.
03 · Everything finance needs
Everything finance needs in one place.
Invoices from deliveries, not retyping.
Orders and deliveries become invoices with the right prices, tax and terms. Send, track opens and take card or bank payments.
Sent in April142 · $398,000 net
Drafts ready2
04 · From transactions to decisions
Numbers that tell you what to do next.
Gross profit by revenue stream · AprilGross margin
38.0% of $214,000
58.0% of $132,000
48.5% of $52,000
Total gross profit $183,100 = 46.0% of $398,000WHAT IT MEANSCafés earn nearly as much as wholesale on 62% of the sales.
Wholesale brings 54% of revenue but at a 38% margin, after the green-coffee price rise. Cafés run at 58%.
Review wholesale prices for the 12 largest accounts before the next contract renewals.05 · Control as you grow
Financial control as you grow.
Fernhill opened a UK roastery and an EU distributor. Three companies, three currencies — one set of rules and one consolidated view.