Cash-flow clarity for business owners

See what’s ahead of your bank balance.

Bring your balances, upcoming bills and expected customer payments into one view. Understand when cash could get tight—and explore your options before making your next move.

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Built for Canadian small businesses. Currently in development.

Upcoming cash position

Illustrative example · Sample business data
  • Opening
    Opening available cash
    C$24,000
  • November 3
    Supplier payment
    −C$8,000
    C$16,000
  • November 6
    Payroll
    −C$12,000
    C$4,000
  • November 8
    Rent
    Projected low point
    −C$5,000
    −C$1,000
  • November 12
    Expected customer payment
    +C$15,000
    C$14,000
Projected low point
−C$1,000
Pressure Window
November 8–11
Expected recovery
November 12
if the customer pays on time

Example assumes no other cash movements. Forecasts depend on timing and data quality.

The problem

A healthy balance today can hide a difficult week ahead.

Your bank balance shows what is there now. It does not, by itself, show how payroll, supplier payments, rent and late invoices could overlap.

01

A strong sales week

Before committing to more stock or another hire, see what is already due.

02

Payments on different schedules

Spot the gap between money leaving your business and customer payments arriving.

03

An invoice that arrives late

Explore how a delayed payment could change your cash position and the time you have to respond.

How it works

Turn scattered financial information into a clearer plan.

1

Bring the essentials together

Use supported connections and reviewed imports to bring balances, receivables and upcoming commitments into one workspace.

2

See the timing

Understand how expected inflows and scheduled outflows could affect your cash position over the coming weeks.

3

Explore your next decision

Compare scenarios before committing to a purchase, a hire or a change in payment timing.

Connection availability varies by provider. Visit Connections for current development status.

Product capabilities

Built around the questions owners actually ask.

Pressure Windows

When could upcoming payments put pressure on available cash?

Safe Until

How long is projected cash expected to cover the commitments included in your forecast?

What-If Scenarios

What changes if a customer pays late, you buy equipment or you add another expense?

Data Confidence

Which information is current, and where do missing details or assumptions limit the forecast?

Illustrative scenario

What happens if that customer pays a week late?

Customer payment timing
Pressure WindowNovember 8–11
Projected low point−C$1,000
Expected recoveryNovember 12

In this simplified example, delaying the invoice extends the cash-pressure period by seven days. The projected low point stays the same because no additional cash movements are included.

Forecast timeline

Illustrative scenario · Sample business data
  • Opening
    Opening available cash
    C$24,000
  • November 3
    Supplier payment
    −C$8,000
    C$16,000
  • November 6
    Payroll
    −C$12,000
    C$4,000
  • November 8
    Rent
    Pressure Window · Nov 8–11
    −C$5,000
    −C$1,000
  • November 12
    Expected customer payment
    +C$15,000
    C$14,000

Example assumes no other cash movements. Forecasts depend on timing and data quality.

Connections

Prepare a clearer picture of your business finances.

Monimate Business is being built to work with the financial systems businesses already use. Each connection has its own scope and validation requirements.

SystemIntended informationCurrent status
Bank accounts through PlaidSupported account balances and transactionsConnection code implemented; production validation pending
QuickBooks OnlineOpen customer invoices and supplier billsConnection code implemented; live validation pending
CSV importsPayroll, tax and other upcoming commitmentsReview-and-import flow implemented
XeroOpen invoices and supplier billsMapping prepared; direct connection not available
FreshBooksOpen customer invoicesMapping prepared; direct connection not available
Shopify PaymentsPayout informationMapping prepared; direct connection not available
SquarePayout informationMapping prepared; direct connection not available
ADP, Wagepoint and PayworksPotential payroll informationProvider access under review
SageProduct-specific accounting informationProduct and access under review

Prepared mappings are not live connections. Availability will be confirmed as integrations complete validation.

Explore Connections
Who it is for

For the people making the next business decision.

Retail and local businesses

Understand how supplier orders, rent and payroll fit around expected receipts.

Service businesses

See how invoice timing could affect the ability to meet upcoming commitments.

Small finance teams

Bring key cash-flow assumptions into a shared view for planning and discussion.

Transparency

Useful forecasts start with clear assumptions.

Expected payments are not guaranteed cash. Monimate Business is designed to make timing assumptions, source freshness and missing information visible so owners can judge the forecast in context.

See where financial information comes from.
Understand when data may need refreshing.
Review assumptions before acting on a scenario.

FAQ

Is Monimate Business available today?

Monimate Business is currently in development. Request early access to express interest and receive updates about availability.

Does it replace my accounting software?

No. It is designed to complement accounting and banking tools by focusing on upcoming cash timing and business decisions.

Can it connect to every bank and software platform?

No. Coverage depends on the provider, account type, available permissions and integration status. Our Connections page explains what is implemented, prepared or under review.

Can it run payroll or file taxes?

The current scope is to include payroll and tax payment commitments in planning. It does not run payroll or file tax returns.

Are forecasts guaranteed?

No. Forecasts depend on available information and assumptions about future events, including when customers pay.

Can it help me assess a purchase or expansion?

What-if scenarios are intended to help you explore the cash-flow impact of a decision. They do not guarantee affordability or replace professional advice.

Is this the Monimate personal finance app?

No. Monimate Business focuses on business cash flow and operating decisions. It is a separate product from the Monimate consumer app.

Make your next business decision with a clearer view ahead.

Tell us about your business and the financial tools you use. Help shape Monimate Business as we prepare for early access.

Request Early Access