Cash-flow forecasts for the SME clients of banks and guarantee funds
CassaChiara reads a business's Italian e-invoices and every morning tells it how much it can spend today and what its cash will look like over the next 90 days. A bank or guarantee fund (confidi) can offer it to its SME clients as a service, starting with a pilot.
Propose a pilot Try it with sample data
What the business client gets
- One answer every morning: how much it can spend today without going into the red in the coming days.
- A 90-day balance forecast built from the due dates written in its Italian e-invoices, with overdue receivables to chase.
- Risk alerts: a supplier changing IBAN between invoices, invoices received twice, supplier price increases.
- A two-page cash report PDF carrying the name you choose.
What the bank or guarantee fund gets
- A concrete service for SME clients, tied to their working day rather than to a financial product.
- Needs spotted earlier. If the business chooses to share its report, the relationship manager sees weeks ahead when an overdraft, invoice advance or loan will be needed.
- Cleaner credit applications: a clear 90-day cash forecast to attach to the request.
Privacy: the data stays with the business
Invoices are read in the business's browser and are not uploaded to any server. The business decides whether and when to send its report to the bank. Technical details on the Security page.
How we start: a pilot
A pilot with a small group of business clients chosen by you. During the pilot we adapt the name, report and messages to your network together. After the pilot, an annual licence based on the number of businesses involved, at an agreed price.
Let's talk by email
Tell us what kind of institution you are and how many SME clients you'd like to involve: we'll reply with a pilot proposal. Meanwhile you can try the app with sample data.
Propose a pilot Try it with sample data