Cash Flow Page Key Metrics

The Cash Flow Page Key Metrics sit directly around the cash flow health score on your dashboard home screen. They are the building blocks of your score and the fastest way to understand what is driving your current cash position.

You will see six metrics displayed as cards: Days Cash on Hand, Cash in Bank, Burn Rate, Invoice due in 30 days, Unpaid Bills due in 30 days, and Overdue Invoices. Each card shows the current value and a percentage change indicator compared to the prior period.

Days Cash on Hand answers the question: if no new money came in from today, how many days could I keep running my business before I ran out of cash?

It is calculated by dividing your current cash balance by your average daily operating expenses. If your business holds $60,000 in cash and spends an average of $2,000 per day on operating expenses, your Days Cash on Hand is 30 days.

There is no universal right number. It depends on your industry, your revenue consistency, and your risk tolerance. However, some broad guidelines:

• Under 15 days: High risk. You have very little buffer if a large customer pays late or an unexpected expense arrives.

• 15 to 30 days: Moderate risk. Manageable but worth monitoring closely. One slow payment from a major client could create real pressure.

• 30 to 90 days: Comfortable. You have a reasonable buffer and time to plan if revenue slows.

• Over 90 days: Strong. You have significant runway. The focus should shift to whether that cash is being deployed productively.

Businesses with lumpy or seasonal revenue, such as agencies that work on project cycles or retailers with peak seasons, should target higher Days Cash on Hand than businesses with consistent monthly recurring revenue. The buffer needs to be large enough to cover the longest realistic gap between major income events.

Days Cash on Hand improves when your cash balance increases or your average daily expenses decrease. It declines when your cash balance drops, your expenses rise, or both. If this number is declining week on week, your burn rate is outpacing your income.

Your current bank balance as recorded in your accounting software. This is the raw figure: the actual dollar amount sitting in your business bank account minus what you owe for your credit card at the time of the last data sync.

Cash in Bank is a snapshot, not a complete picture. A business can have a healthy bank balance and still be in a cash flow crisis if a large payment is due tomorrow and there are no invoices coming in to replace it. Always read Cash in Bank alongside Days Cash on Hand and Invoices due in 30 days to understand what the balance actually means in context.

If your Cash in Bank has been declining week on week even while your revenue looks stable, the cause is usually one of three things: expenses are growing faster than revenue, customers are paying later, or you are drawing more from the business than the cash flow can support.

Burn Rate is the rate at which your business is spending its cash each month. It is calculated from your total monthly operating expenses. If your business spends $30,000 per month on staff, rent, software, and other operating costs, your burn rate is $30,000 per month.

Burn rate does not account for revenue. It is purely the outgoing side. The relationship between burn rate and revenue is what determines whether your cash balance grows, stays flat, or declines.

Burn rate is the denominator in the Days Cash on Hand calculation. A business that reduces its burn rate immediately extends its runway without earning a single additional dollar. This is why expense reviews during difficult periods are so impactful. Cutting $5,000 per month from your burn rate adds roughly 2.5 days of runway for every $100,000 of cash held.

A rising burn rate that is not matched by rising revenue is one of the clearest early warning signals in the Finoya dashboard. If you see the burn rate percentage change showing red and climbing, investigate the cause before it compounds.

Projected Money In is the total value of invoices you have issued that are due to be paid to you within the next 30 days. It represents the income you are expecting to receive in the near term based on the invoices already in your accounting software.

This number only reflects invoices that have been raised. If you have completed work, delivered a product, or provided a service but have not yet issued an invoice, that revenue is invisible to Finoya. Your Projected Money In will look lower than your actual expected income, and your 30-day cash flow projection will be understated.

This is the most important data quality habit you can build: raise your invoices promptly. The closer your invoicing habits are to real-time, the more accurate and useful this metric becomes.

Projected Money Out is the total value of bills you owe to suppliers and vendors that are due to be paid within the next 30 days. It represents your committed cash outflows over the near term based on bills recorded in your accounting software.

Like Projected Money In, this number only reflects bills that have been entered in your accounting software as payables. If you regularly pay expenses directly by credit card or bank transfer without entering them as bills first, your Projected Money Out figure will be understated.

A business that enters all bills promptly into their accounting software gets a highly accurate picture of upcoming cash pressure. A business that enters bills only when they pay them is always flying blind on the next 30 days. The Finoya dashboard can only be as accurate as the underlying accounting data.

Overdue Invoices shows the total dollar value of all invoices you have issued that are past their due date and have not yet been paid. This is money you have earned, work you have done, but cash you have not collected.

High overdue invoices are the single most common cause of cash flow problems in small businesses that are otherwise generating solid revenue. The business is profitable on paper. The bank account is declining. The gap is sitting in unpaid invoices.

Finoya flags overdue invoices prominently because collecting them is often the fastest way to improve your cash position without selling more or borrowing money. Before you consider a loan or a credit facility, check whether there is meaningful overdue invoice value that could be collected first.

A rising overdue invoice balance, shown as a positive percentage change in red, means either your customers are getting slower at paying, your payment terms are not being enforced, or both. A declining balance means you are actively collecting or your customers are paying on time.

A positive percentage change on overdue invoices is one of the signals that will push your Cash Flow Health score down. Conversely, reducing your overdue balance is one of the fastest ways to see your score recover.

Every metric card shows a percentage change compared to the prior period alongside the current value. The direction of the arrow and the colour of the indicator are important context that can be counterintuitive on some metrics.