Cash Runway Analyst
Forecasts the money that is actually coming, and names the money that is not
- 8hard rules
- Things it must never do, enforced in every run
- 5handover rules
- Conditions where it stops and gives the work to a person
- 12output fields
- A structured result, not a paragraph you have to re-read
- ≤6steps per run
- Bounded work: at most 4 tool calls, enforced by the runtime
Read-only by design. This agent has no path to sending, spending, publishing or committing anything. Where that limit is the product, removing it would remove the reason to trust the output.
Overview
Every cash forecasting tool makes the same two mistakes. It assumes invoices are paid on the terms printed on them, and it counts pipeline as income. Both push the forecast in the same direction, and a business that plans against it discovers the gap in the month it cannot make payroll.
This agent forecasts what is genuinely committed. Each receivable is aged by how that specific customer has actually paid you — not by the terms on the invoice — so a customer who has taken sixty days for two years is modelled at sixty days. Contracted recurring income counts. Signed orders count. Anything unsigned goes into a separate list, labelled as not cash, with what it would be worth if it landed.
What comes back is a week-by-week position, the date the balance first goes below your floor, and the specific things that would move that date — which invoice, which cost, which decision. It moves no money and sends no chase; it tells you what is true and hands the decision to you.
Benefits
A forecast that does not flatter you
The optimistic version is the one that surprises you in the month it matters.
The runway date, weekly
Rather than a quarterly guess assembled by hand.
You know which lever is real
Chasing one invoice often beats cutting three costs.
What it does
Ages by how the customer actually pays
Not by the terms on the invoice. A customer at sixty days for two years does not pay at thirty because the invoice says so.
Unsigned is not cash
Pipeline sits in its own list, labelled. Counting it is why forecasts are optimistic in the same direction every time.
Names the date, not a chart
The week the balance first goes below your floor. That is the number the owner actually needs.
Says what would move that date
Which invoice, which cost, which decision — with how many days each buys.
Separates committed cost from discretionary
Payroll and rent are not the same kind of number as a subscription you could cancel on Friday.
Moves nothing
No payments, no chasing, no transfers. It tells you what is true.
What this changes
What this changes about your week
- It takes over
- Rebuilding the cash position in a spreadsheet to find out how long the money lasts.
- Done today by
- The owner, on a Sunday, and not often enough.
- How often
- Weekly in a tight month; monthly in a good one.
- Typical manual effort
- A forecast worth trusting is half a day, and it is out of date by Wednesday.
Why Finance & Accounting in particular. Every tool assumes invoices are paid on their printed terms and counts unsigned pipeline as income. Both errors push the same way, and the owner finds the gap in the month they cannot make payroll.
Runs unattended
Started by you or by an event, and it finishes on its own. Nothing waits for someone to be at a desk.
The same standard every time
The two-hundredth item is held to the bar the first one was. Consistency is the part people cannot sustain.
It cannot act on its own
Cash Runway Analyst has no path to sending, spending or committing. That limit is why its output is safe to act on.
How it runs
This agent runs server-side through the PROMIVO runtime. Each run is logged step by step and every tool call is permission-checked before it executes.
- 1InputValidated against the agent input schema
- 2Modelclaude-opus-5 with automatic fallback
- 3Toolsextract_structured_data
- 4PermissionsRuns READ actions automatically; anything higher waits for approval
- 5OutputStructured result matching the output schema
- 6LoggingTokens, duration and every step recorded
Demo
Demo dataIllustrative sample output, abridged.
Input
{
"floor": 40000,
"weeks": 13,
"currency": "USD",
"receivables": [],
"openingBalance": 148000
}Output
{
"notCash": [
{
"why": "Not signed. Excluded from the forecast; if it signs before week 6 the breach does not occur.",
"item": "Renewal expected from Meridian",
"wouldBeWorth": 60000
}
],
"escalate": true,
"disclaimer": "Arithmetic on your own records with the assumptions stated. Not financial, funding, tax or accounting advice, and no statement about solvency.",
"assumptions": [
"Receivables aged on median days to pay from 14 prior invoices, except where marked unproven.",
"Pipeline excluded entirely."
],
"concentration": "Northwind is 46% of receivables. Their payment behaviour decides this forecast more than any cost decision.",
"breachesFloorOn": "Week ending 2026-11-06",
"mostSensitiveTo": "Northwind paying at 58 days rather than 30. That single assumption moves the breach by 19 days.",
"escalationReason": "The balance falls below the floor in week 6, inside the warning window.",
"receivableAgeing": [
{
"basis": "their-history",
"amount": 42000,
"customer": "Northwind",
"expectedOn": "2026-10-28"
},
{
"basis": "terms-unproven",
"amount": 18000,
"customer": "New client A",
"expectedOn": "2026-10-14"
}
],
"forecastHoldsUntil": "13 weeks. Beyond that no committed income exists in the data.",
"leversThatMoveTheDate": [
{
"action": "Collect the Northwind invoice at terms rather than at their usual 58 days",
"buysDays": 19
},
{
"action": "Defer the equipment purchase in week 4",
"buysDays": 11
}
]
}Requirements
Integrations
No integrations required.
Before you start
- Your receivables and payables with dates
- Payment history per customer, where you have it
- Committed costs, the current balance, and the floor you will not go below
- Requires the All-Access plan or higher
Use cases
Weekly cash review
The position, the date, and what changed since last week.
Before hiring
What the commitment does to the runway, on committed cash only.
A tight month
Which specific actions buy the most days.
Pricing
All-Access
Billed monthly through your PROMIVO subscription. Cancel at any time.
Runs consume your plan allowance for agent executions and tokens. See plan limits
FAQ
Why not include the pipeline?
Because it is not money. It is listed separately with what it would be worth, so you can see it — but a forecast that mixes signed and unsigned is the reason owners are surprised by their own bank balance.
Where do the payment behaviours come from?
Your own payment history. A customer with no history is modelled on terms and flagged as unproven, rather than quietly assumed to be reliable.
Does it move money or chase anyone?
No. It has no payment access and sends nothing. It produces the position and the options; acting on them is yours.
Is this financial advice?
No. It is arithmetic on your own records with its assumptions stated. It gives no advice on funding, tax or accounting treatment.
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