13-week forecastRuns itself
Cash, week by week, for the next 13 weeks
By hand today
A day in a spreadsheet. Stale the moment a customer pays late.
Lowest week: $42,300, the week of March 16
Your minimum$30,000
RefreshedEvery day
What Tilo does
The money jobs a CFO would do. Done every day.
Each card shows one job: how it gets done by hand today, and what Tilo shows you instead. Tilo reads your books and tells you. You decide what to do.
How to read a card
Runs itselfTilo keeps it up to date. Nothing to do.
You decideTilo flags it with the dollars. You choose.
When you askReady the moment you need it.
The Tilo app never moves money, sends anything for you, or changes your books. Want the work done for you? See the collections agent and bookkeeping.
What do you want off your plate?
Businesses like
Cash and forecast
Know where cash is heading, weeks before it gets there.
Low-cash warningYou decide
A warning before cash dips below your minimum
By hand today
You find out when payroll is two days away.
Cash falls to $18,400 the week of April 6
Below your minimum by$11,600
Biggest reasonTwo large invoices due late
Monday emailRuns itself
Your week at a glance, every Monday at 7
By hand today
Logging in to three systems to piece it together.
Cash stays above your minimum for 13 weeks
Due this week$23,900
Needs a decision3 things
People and payroll
Usually your biggest cost. Watched like it.
Can we afford a hire?When you ask
See what a new hire does before you make the offer
By hand today
A gut call, then a tight month three months later.
Add a hire at $5,000 a month
12-month earnings−$60,000
Loan coverage1.62x → 1.38x
Or just ask Tilo“Can we afford to hire?”
Payroll vs salesYou decide
Payroll growing faster than sales
By hand today
You know the payroll total. Not whether it’s outrunning sales.
Wages up 14% while sales grew 4%
Wages, share of sales34%, up from 31%
Above sales growth$68,000 a year
Payroll weeksRuns itself
Payroll weeks, in the forecast
By hand today
Checking the bank balance the night before payroll.
Your lowest week is a payroll week
Regular bills that week$28,400
Cash after payroll$36,800, above your minimum
Payroll vs budgetRuns itself
Every payroll miss over 5%, explained
By hand today
A budget made in January and never looked at again.
Payroll 9% over budget in March
Over by$14,200
Behind itOvertime on two jobs
Getting paid
Who owes you, how late, and who to call first.
Late payersYou decide
Who is late, ranked by dollars
By hand today
Scrolling the aging report and guessing who to chase.
$96,000 is more than 60 days late
Customers3
Call firstCustomer A · $52,000
Spend and savings
Money leaking out that nobody had time to look for.
Duplicate paymentYou decide
A bill paid twice, caught
By hand today
Found if someone happens to look, often months later.
Possible duplicate: $4,180 fuel bill
Same supplier3 days apart
To get back$4,180
SubscriptionsYou decide
Every subscription, with the yearly cost
By hand today
Card statements, line by line, once a year if ever.
14 subscriptions cost $7,500 a year
Not used in 90 days5
Could save$2,640 a year
Supplier pricesYou decide
Supplier costs rising faster than sales
By hand today
You feel it in the margin but can’t point to it.
Fuel and repairs up 18% while sales grew 4%
Mostly one supplier$35,000 a year
Next stepTake the numbers to them
Missing billsYou decide
Bills that look like they haven’t been entered
By hand today
Profit looks great until the missing bill shows up.
Monthly rent not entered for October
Usually$6,500 a month
Profit overstated by$6,500
UncategorizedYou decide
Spending nobody put in a category
By hand today
It sits in "Ask my accountant" until tax time.
$12,600 of spending has no category
Transactions41
Largest$2,900 · card payment
Profit and margins
Why profit moved, in plain words, every month.
Margin dropYou decide
Why the margin fell, in one sentence
By hand today
An evening comparing two months of reports.
Gross margin fell from 41% to 36%
Most of itFood costs, up 14%
SalesUp 2%
Monthly CFO reportRuns itself
A monthly report, written for you
By hand today
Nobody writes one, so nobody reads one.
October: sales up 6%, profit up 2%
Profit margin11.4%
CommentaryWhen you ask
Ask TiloWhen you ask
Ask anything about your numbers
By hand today
Email your bookkeeper and wait until next week.
“Why am I making more sales but less profit?”
Answer fromYour own books
Figures shownEvery one behind the answer
Customers
Who keeps buying, and how much you lean on a few.
Customer retentionRuns itself
Who came back, and who you lost
By hand today
You notice a regular is gone months after they left.
62 of last year’s 80 customers bought again
Revenue kept94%
Lost18 customers
ConcentrationYou decide
How much rides on your biggest customer
By hand today
You know it’s a lot. You don’t know how much.
Your top customer is 38% of sales
Top 3 customers61% of sales
Lenders often askAbout this number
Borrowing
Walk into the bank knowing the answer.
What you can borrowWhen you ask
The loan your earnings support
By hand today
Apply, wait two weeks, hear the number from the bank.
Up to $1.07M at today’s earnings
Coverage used1.25x
Coverage today1.62x
What if…When you ask
Test a decision before you make it
By hand today
Copy the spreadsheet, change three cells, hope.
Raise prices 3%
12-month earnings+$48,000
Loan coverage1.31x → 1.44x
Lender packageWhen you ask
The package a lender asks for, from your books
By hand today
Weeks of gathering statements, right when you need the money.
Earnings, debts, coverage and a 12-month projection
Send asExcel or PDF
Or shareA private link for 30 days
Nothing for that pair yet.
Figures on these screens are for illustration. Yours fill in from your own books.
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