Cash flow forecasting for small businesses
See how long your cash lasts.
Fynmerge connects your bank, invoices and accounting software, then shows your runway, who owes you and which tax bills are coming. One dated list, updated daily.
| Date | What happens | Amount | Balance |
|---|---|---|---|
| Today | TodayBank balance | £28,400 | |
| 10 Oct | 10 OctInvoice 1042 paid by Halden Ltd | +£6,200 | £34,600 |
| 17 Oct | 17 OctPayroll and PAYE | −£21,800 | £12,800 |
| 31 Oct | 31 OctVAT return | −£9,150 | £3,650 |
| 7 Nov | 7 NovInvoice 1047 due from Northgate | +£14,400 | £18,050 |
| 30 Nov | 30 NovRent and software | −£6,300 | £11,750 |
Lowest point £3,650 on 31 Oct. Chase invoice 1047 early or move the VAT payment and you stay above £10,000.
Your full financial picture, every morning
Bank balances, invoices, tax, and cash flow — connected and updating automatically.
Your complete financial picture
Finally
Connect every bank account and accounting tool you use. Fynmerge transforms that data into cash visibility, financial reports, and proactive alerts — so you run your business on facts, not guesswork.
Every account
Every tool — One place
Connect your business bank accounts via Open Banking and your accounting software — Xero, QuickBooks, FreeAgent, or Sage. Fynmerge pulls everything together automatically into one financial picture.
See everything
Decide with certainty
Every morning, Fynmerge recalculates the number that matters — how many days of cash you have — from your bank balances and outstanding invoices.
Reports that answer
real questions
A clear financial overview across your connected accounts — revenue, expenses, and net cash movement in one place.
Never miss a deadline
Fewer surprises at tax time
Fynmerge calculates how much to set aside for tax as you earn and tracks your HMRC deadlines (VAT, MTD and Self Assessment) in one place.
Stop chasing.
Let it run itself.
Most tools mark an invoice overdue and stop there. Fynmerge emails your client at 7, 14 and 30 days overdue, with a Stripe payment link on every reminder.
Know the real cost
before you commit
Before your next hire, Fynmerge shows you the full cost — salary, employer NI at 15%, and workplace pension — using 2025/26 rates.
Up and running
in four steps
How we protect your data
Read-only Open Banking
Bank connections are established through TrueLayer, an FCA-authorised AISP. We never see your credentials — access is read-only and can be revoked in seconds.
Encrypted data
Data is encrypted in transit over TLS and at rest by our database provider. Bank and accounting access tokens are additionally encrypted with AES-256-GCM.
You own your data
You can ask us to export or permanently delete your data at any time. We will never sell your data to third parties.
Stop reacting.
Start leading.
Most finance tools tell you what already happened. Fynmerge shows the squeeze before it lands, so you decide what happens next.
- Find out at the bank that cash is shortSee the low point weeks ahead, with the date and the amount
- Chase late invoices when you rememberReminders go out at 7, 14 and 30 days, with a payment link
- Scramble when the VAT bill landsTax is set aside as you get paid