Master Your Cash Flow
Like Never Before
Built for Australian tradies and small business owners. See money in, money out, and know if you can cover the BAS, all without living in a spreadsheet.
Current Balance
$247,350
90-Day Forecast
$312,480
Runway
18 months
Cash Flow Trend
+12.5% vs last monthWorks with CSV and Excel statements from any Australian bank. No accounting software required.
CommBank, ANZ, Westpac & NAB recognised automatically — every other bank works too
Everything you need to master cash flow
From AI-powered forecasting to seamless integrations, cashflowIQ gives you complete visibility and control over your business finances.
Stop guessing. Start knowing.
Transform your business with data-driven cash flow insights that help you make confident financial decisions.
See the gap before it hits
Forecast up to 12 months ahead so a quiet month, a big BAS bill or a late payer never catches you by surprise.
Save 10+ Hours Per Week
Automate manual processes and get instant insights instead of spending hours in spreadsheets.
Predict Problems Early
Get alerts 30-90 days before cash flow issues, giving you time to take action.
Cash Flow Health Score
Two plans. No surprises.
Know if you can cover the BAS, the wages and the ute repayments, all without a spreadsheet. Every plan starts with a 14-day free trial. All prices in AUD and include GST.
14-day free trial on both plans. You won't be charged a cent until the trial ends, and you can cancel anytime.
Cash flow kills good businesses
Most businesses that fail aren't bad businesses. They just run out of cash before the money they've earned arrives. The numbers tell the story.
of Australian small businesses felt cash flow strain in the past year
And 27% dipped into personal savings or skipped their own pay to cope (Xero, 2025)
construction businesses became insolvent in a single year, up 23%
ASIC names cash flow, especially around tax time, as a leading cause (year to March 2025)
is how late the average invoice is paid
Late payments cost the average small business around $29,000 a year (Xero Small Business Insights, 2026)
small businesses have little or no cash buffer at all
Which means one late progress payment or a big BAS bill can be the end (CommBank SME research, 2025)
None of this happens because owners are bad at their trade. It happens because nobody can see the cash gap coming.
cashflowIQ exists to give you that visibility: upload a bank statement, see exactly where your money is going, and know weeks ahead whether you can cover the BAS, wages and the next quiet month, before it becomes a crisis.
Integrations coming soon
Accounting sync (Xero, MYOB and QuickBooks) is on our near-term roadmap, with connections for trade business tools to follow. In the meantime, a CSV or Excel statement from any Australian bank gets your numbers in today.
cashflowIQ works straight from your own bank statements. You keep control of your own money — no new bank account, no trust account, no handing over your income. Perfect for sole traders who don't want to switch banks.
Already using one of these? A CSV export brings your data across today, while we build the direct connections.
Don't see your tool? We're constantly adding new integrations.