Profit and cash are different questions, and most businesses that run short of money were profitable on paper at the time. This template answers the cash question only: how much is in the bank across every account and entity, what came in and went out this week, what is due in and out over the next month, and where the balance is heading for the next 13 weeks. It is the page an owner or finance lead opens every Monday, separate from the wider finance snapshot.
It reads from your accounting system — Xero, QuickBooks, Tally, Zoho Books or your ERP — for bank balances, open invoices and bills. Receipts are forecast from the receivables ageing and each customer's usual payment delay; payments from bills due plus a sheet of known commitments such as payroll, rent and tax. Our guide to the cash-flow dashboard explains the six numbers behind it.
Week to week, the finance lead updates the commitments sheet and the page does the rest. Klayara AI, on Growth and Enterprise, explains a movement in plain words when someone clicks Why did this change? — for example which customers paid late — and an alert described in a sentence, such as "WhatsApp me if the 13-week low falls below two months of payroll", becomes a draft automation to review. The Monday cash summary can arrive by email, WhatsApp, Slack or Telegram.
- Owners and finance leads who want a Monday answer to "do we have enough cash for the next quarter?".
- Growing companies with several bank accounts or entities whose balances live in different places.
- Finance teams preparing for a lender or board conversation about runway and working capital.