FinanceOS · Cash forecasting
A 13-week cash forecast that keeps itself current.
VeytIQ connects directly to your banks, builds the 13-week model from actual cash behavior, and uses AI to explain every variance — so leadership always sees where liquidity is heading.
Cash forecast
Actual through Sep 14 · Projected through Dec 14
| USD thousands | 9/14 | 9/21 | 9/28 | 10/5 | 10/12 | 10/19 | 10/26 | 11/2 |
|---|---|---|---|---|---|---|---|---|
| Beginning cash | $4,822 | $4,967 | $4,684 | $4,778 | $4,502 | $4,623 | $4,441 | $4,512 |
| Receipts | $612 | $487 | $721 | $534 | $678 | $498 | $752 | $561 |
| Payroll | ($286) | — | ($291) | — | ($294) | — | ($298) | — |
| AP | ($138) | ($164) | ($212) | ($180) | ($196) | ($221) | ($205) | ($188) |
| Debt payments | — | — | ($84) | — | — | — | ($84) | — |
| Other disbursements | ($43) | ($606) | ($40) | ($630) | ($67) | ($459) | ($94) | ($373) |
| Ending cash | $4,967 | $4,684 | $4,778 | $4,502 | $4,623 | $4,441 | $4,512 | $4,512 |
Forecast vs actual
+$142K favorableAI variance explanation
Cash finished $142K above forecast. Faster collections from Atlas and Meridian offset a $38K infrastructure overage.
View underlying transactionsThe problem
Spreadsheet forecasts are stale the week they're built.
Most 13-week models depend on someone exporting bank activity, chasing AR and AP updates, and rebuilding formulas by hand. The moment the work stops, the forward view goes dark — right when cash decisions need it most.
Automated bank connections
Balances and transactions flow in from every bank and account daily — no CSV exports, no manual updates, no stale data.
Living 13-week model
Receipts, payroll, AP, debt service, and other disbursements roll forward every week, anchored to actual cash activity.
AI variance analysis
When cash lands above or below forecast, VeytIQ AI explains which customers, vendors, and timing drove the difference.
Thresholds and alerts
Set minimum cash thresholds and get ahead of low points weeks before they arrive — not the week they happen.
Scenario planning
Compare base, upside, and downside cases side by side — hiring plans, collections timing, and spending decisions included.
Auditable by design
Every projected line traces back to connected accounts, open invoices, scheduled payments, and documented assumptions.
Automated bank integrations
Connected to the accounts where cash actually lives.
VeytIQ maintains secure, read-only connections to your banking, credit card, and treasury accounts. Balances refresh daily and every forecast line reconciles to the underlying account activity.
- Read-only access with bank-grade security
- Multi-entity and multi-currency consolidation
- Daily balance and transaction refresh
- Reconciled to the general ledger and close
Mercury · Operating
Northstar Labs, Inc.
JPMorgan · Treasury
Northstar Labs, Inc.
Wise · Global · USD/EUR
Northstar UK Ltd.
SVB · Money market
Northstar Canada
01
Connect
Link banks, credit cards, and treasury accounts through secure, read-only connections across entities and geographies.
02
Consolidate
Balances and transactions are standardized and consolidated across every entity, bank, and currency into one cash position.
03
Forecast
The 13-week model builds from actual inflow and outflow patterns — payroll cycles, AP timing, collections, and debt service.
04
Explain
AI reviews forecast vs actual each week, explains the variance, and updates the forward view — so the forecast improves as it runs.
The 13-week model
Week-by-week liquidity, line by line.
Beginning cash, receipts, payroll, AP, debt service, and other disbursements — each week projected, each variance explained, and each low point visible before it becomes a problem.
Actual vs projected
Actuals through today feed the forward view automatically — the model never drifts from reality.
Weekly cadence
AI in the loop
Why did cash dip in week 6? VeytIQ AI answers from the underlying data: two enterprise invoices slipped nine days, offset partially by early payment from a third customer — and it flags whether the pattern is timing or structural.
Explore the platformCash forecasting
Know your cash position thirteen weeks before you need to.
Start with a finance maturity assessment and see where forecasting fits in the finance function your company needs next.