The Cash Flow Health score is the first thing you see when you log into Finoya. It is a number between 0 and 100 that tells you the overall health of your cash position right now, based on your live accounting data.
Think of it as a single number that compresses a lot of financial signals into something you can read in five seconds. The score does not replace understanding the detail underneath it, but it gives you an instant read on whether your business is in a healthy position, whether you need to pay attention, or whether there is a problem that needs immediate action.
How to read the score
Score range | What it means |
70 to 100 | Healthy. Your cash position is strong and the near-term outlook is stable. Continue monitoring. |
50 to 69 | Moderate. There are some areas that need attention but no immediate crisis. Review the metrics below the score to identify where to focus. |
30 to 49 | Needs attention. Your cash position has meaningful risk. Identify the specific metric that is pulling the score down and act on it. |
Below 30 | Critical. There is a significant cash flow risk that requires immediate action. Use the Quick Actions panel or Ask Noya to understand what is driving the score. |
What goes into the score
The score is calculated from seven underlying metrics drawn directly from your accounting software data. Each metric contributes to the overall number:
• Days Cash on Hand: how many days your current cash balance can sustain your operating expenses if no new income arrives. Fewer days means higher risk.
• Cash in Bank: your current bank balance as recorded in your accounting software at the time of the last sync.
• Burn Rate: how fast your business is spending cash each month. A rising burn rate reduces the score.
• Projected Money In: invoices due to be paid to you in the next 30 days. Higher projected income improves the score.
• Projected Money Out: bills and scheduled expenses due in the next 30 days. Higher projected outgoings reduce the score.
• Overdue Invoices: the total value of invoices past their due date. High overdue balances are one of the heaviest negative signals in the calculation.
• Net Cash Flow Trend: whether your cash balance has been improving or declining over recent periods.
What you see on the Cash Flow Health screen
The Cash Flow Health screen shows your score alongside the key metrics that drive it. Directly below the gauge you will see:
• Cash in Bank Today: your combined bank balance at the time of the last sync.
• Runway: the projected date your cash will reach zero at your current burn rate, assuming no new income. This is a worst-case signal, not a prediction.
• Monthly Burn Rate: your average monthly operating expenses.
Below those three cards you will see a Receivables and Payables section showing Invoices due in 30 days, Unpaid Bills due in 30 days, and Overdue Invoices.
On the right side of the screen, the Noya Says panel automatically generates a written analysis of your current position every time data syncs. Below that, Quick Actions shows five pre-built questions relevant to your current situation that you can send directly to Ask Noya with a single click.
Related article: Your Forecast screen explained (Article 2) for your 30, 60, and 90 day projected cash flow health |
Why the score changes week to week
Your score updates every week when Finoya syncs with your accounting software. The most common reasons for a score movement are:
• Invoices becoming overdue because they were not paid on time
• A large invoice being raised or collected, which shifts the projected money in figure
• Bills being entered or paid, which changes the projected money out figure
• Your bank balance moving up or down between syncs
A score that drops week on week without any obvious change in operations is usually a sign that overdue invoices are accumulating. The business may be generating revenue, but collection discipline is not keeping pace.
What to do with the score
The score tells you severity. The metrics tell you cause. If your score drops, look at which specific metric is driving the decline, then act on that metric. The Noya Says panel will usually identify the primary driver automatically. The Quick Actions below it give you targeted questions to investigate further through Ask Noya.
The three habits that move the score most
• Invoice promptly. Every day between completing work and raising the invoice delays payment and increases overdue risk. Build a habit of invoicing the same day work is delivered.
• Chase overdue invoices consistently. Overdue Invoices is one of the heaviest factors in the calculation. Collecting outstanding amounts improves your score faster than almost anything else.
• Enter bills as soon as they arrive. The accuracy of Projected Money Out depends on bills being in your accounting software before they are due. Entering bills at the time of payment means Finoya cannot warn you about upcoming cash pressure.