Cash Flow & Predictive Analysis

Cash is oxygen. Kolva's cash flow tools help you monitor your current position, predict where it's heading over the next 13 weeks, and identify risk windows before they become emergencies.

The Cash Flow Dashboard

Navigate to Finance > Cash Flow to access the dedicated cash management view. The dashboard shows:

• Current Cash Position — Real-time balance aggregated from your connected bank accounts and ERP cash entries.
• Inflows vs. Outflows — A stacked chart showing money coming in (customer payments, other income) versus money going out (supplier payments, payroll, taxes).
• Receivables Aging — Breakdown of outstanding customer invoices by age bucket (0-30, 31-60, 61-90, 90+ days).
• Payables Schedule — Upcoming supplier payments organized by due date.

13-Week Predictive Forecast

Kolva's AI analyzes your historical payment patterns — how long each customer typically takes to pay, when suppliers expect payment, recurring expenses, seasonal patterns — to project your cash position 13 weeks into the future.

1. The forecast chart displays a projected cash line with a confidence band (lighter shading for higher uncertainty).
2. Risk windows are highlighted in red — these are weeks where your projected cash may drop below your safety threshold.
3. Click on any week to see the detail: expected inflows, scheduled outflows, and the resulting projected balance.
4. The forecast updates automatically with each ERP sync, incorporating the latest payment data.

Risk Windows

Risk windows are periods where your cash position is projected to be tight. Kolva identifies them by combining three signals:

• Projected balance below threshold — Your cash drops below the minimum you configured.
• Large outflow clusters — Multiple significant payments due in the same week (payroll + supplier + tax).
• Receivable delays — Customers whose payments the AI predicts will arrive later than their due dates, based on their historical behavior.

For each risk window, Kolva suggests actions: accelerate collections on specific invoices, negotiate payment extensions with suppliers, or draw on credit facilities.

Payment Pattern Analysis

Understanding how your customers and suppliers actually pay — versus their stated terms — is critical for accurate forecasting. The Payment Patterns section shows:

1. Customer payment profiles — Average days to pay for each customer, compared to their contracted terms. Sorted by deviation so the worst offenders appear first.
2. Supplier payment behavior — Your own payment patterns to suppliers, highlighting early payment discount opportunities you may be missing.
3. Seasonal trends — Monthly heatmap showing which months historically have the strongest inflows and heaviest outflows.