A 13-week cash forecast from your bank feed, every Monday

See your cash low point thirteen weeks out, while you can still do something about it.

Connect your business bank accounts through a regulated open-banking provider. Cash13 learns your recurring flows and builds a 13-week cash flow forecast. Add the deal you expect or the hire you are weighing and see both scenarios. Every Monday you get the forecast by email, with a one-page PDF for your bank or accountant.

Sounds familiar?

• You find out about the squeeze a few weeks before it hits, when the only options left are the expensive ones.
• Your bank wants a cash forecast with the overdraft request. You have a bank balance and a feeling.
• Tools built for finance teams cost more than the problem. The cheap ones want you to type in every line by hand.
• The spreadsheet worked for two months, then nobody updated it.

How it works

1. 01

   Connect your accounts

   Read-only connection through a regulated open-banking provider under PSD2, or a CSV export if you prefer. We never see your credentials.

2. 02

   Confirm the patterns

   Payroll, rent, loan repayments, subscriptions and your biggest customers are detected from your history. You confirm or adjust them in minutes.

3. 03

   Get the forecast

   Thirteen weeks, two scenarios, the low point marked. A Monday email and a one-page PDF for your bank or accountant.

What you get: A 13-week cash forecast every Monday, with the low point marked and a one-page PDF for your bank.

Who it is for

Owner-managers of service and trade businesses with €300k to €2M revenue (agencies, contractors, small manufacturers, restaurant groups), and the accountants who advise them.

Not for groups with several entities and intercompany flows, and not an accounting, invoicing or budgeting tool.

Pricing

No VAT is charged (French micro-entrepreneur, art. 293 B CGI). The Accountant plan is billed per client company, five companies minimum.

Questions

Is the bank connection safe, and which banks work?

It is read-only and runs through a regulated open-banking provider under PSD2. We never see your credentials and cannot move money; Cash13 holds no banking licence, the provider does. Coverage includes business accounts at the major French and EU banks. CSV import covers the rest.

Why 13 weeks? Is that what my bank asks for?

No. For an overdraft, French banks typically ask for a 6 to 12-month cash forecast and recent statements. Thirteen weeks is our choice for operating decisions: near enough to build from your real bank flows, far enough to act on. The one-page PDF supports the bank conversation; it does not replace the longer forecast.

How accurate is the forecast?

As accurate as the patterns in your history plus what you tell it. The point is to see the shape and the low point early, then update it in five minutes a week.

What if my customers pay late?

Late payments are the usual cause of a squeeze. Banque de France analysis cited by the Sénat (February 2026) finds that they raise a company's failure risk by 25%. In Cash13 you move an expected receipt back a week or three and watch what the low point does.

Can my accountant run it for me?

Yes. On the Accountant plan a firm manages several client companies and shares a white-label PDF with each owner.

What happens if you do not ship?

You are refunded in full if we have not shipped by the date shown above, and on request at any time before launch.