Money going out faster than it comes in
Cash flow crisis? Find out where the money goes
You can't fix what you can't see. Often the cause is late-paying customers, debt payments, inventory or owner draws that nobody has laid out in one place.
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Matthew Coleman, QuickBooks ProAdvisor, accounting and finance degree. Cranford, NJ. Start with a free health check of your books. You get a quote after we review your books, before any work starts.
Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. See Tallyfinch
What we pull together
Up-to-date books, aging of what customers owe you and what you owe vendors, a list of loans and recurring payments, and a simple cash forecast for the next several weeks.
What it can show
Which customers pay late, which expenses crept up, whether debt payments or owner draws outpace profit, and what has to be paid first.
Limits
We don't give financial, legal or restructuring advice. If you're considering bankruptcy or negotiating with creditors, talk to an attorney. We can supply the records.
Start with the next 13 weeks
Cash problems are usually about timing. List what cash you expect each week and what must be paid, starting with payroll, taxes, rent and loan payments. See our guide to the 13-week cash flow forecast.
Where cash usually hides
Overdue customer invoices, inventory that is not selling, expenses that renew automatically, and payments that could be spread out. Our cash flow and burn rate calculator shows how many months you have at today's pace, and receivables follow-up helps with slow payers.
Talk to the people you owe
Lenders, landlords and suppliers often prefer an early honest call to a missed payment. Bring a simple forecast. For taxes, speak to a tax professional before a payment is missed.
Related
- Books for a bank or SBA loan
- Years behind on books
- Bookkeeping health check
- Bookkeeping guides
- Cash flow and burn rate calculator
- Receivables follow-up
General information, not legal or tax advice. Rules change; confirm with the agency, lender or your professional. Updated October 2026.
FAQ
Common questions
Can you find me funding?
No. We prepare the numbers you can bring to a lender.
Is this only for struggling businesses?
No, but that's when it matters most.
How fast can you give me a picture?
If the books are current, quickly. If not, catch-up comes first.
Can you find me a loan?
No. We prepare the numbers a lender will ask for.
How fast can you build a forecast?
It depends on how current your books are. A forecast built on stale numbers is a guess, so we check that first.
Excel workbook
13-Week Cash Flow Forecast
List what you expect to collect and pay, and see your cash balance each week, the lowest point and when it happens.
See what is inside ($29) Try the free starter
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Tallyfinch
Books you keep on your own computer
Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.
See Tallyfinch Download it free Compare the three apps