Guides

Cashflow API guides for lenders, fintech, and finance teams

Underwriting, embedded finance, treasury, franchise operations, processor reserves, bank integrations, and more—each guide walks through one real-world scenario in plain language, from the business question to the API signals that answer it. There is no required reading order. The live playground runs the same endpoints so you can inspect real JSON next to any topic.

50 guides — browse below

Cash health scores for SMB accounts — built for production APIs
Ship a defensible 0–100 cash health score from bank-grade inputs — structured JSON, narrative text, and drivers for SMB lending, embedded finance, and internal portfolio tools.
Underwriting-grade cashflow signals you can cite in credit memos
Automate SMB cash reviews with structured forecasts, runway warnings, and distress signals — built for lenders who need committee-grade output without hosting customer ledgers.
CFO-grade analytics inside the product your customer already opens daily
Ship in-app cash intelligence — forecasts, runway, burn, and narratives — with one POST contract so product teams ship faster than bespoke data science projects.
Liquidity runway without rebuilding Monte Carlo stacks in-house
Programmatic runway warnings and 30-day cash position forecasts for teams that need defensible JSON in memos, dashboards, and covenant monitoring.
Collections intelligence from the aging schedule you already sync weekly
Rank receivable buckets and surface collections priorities — structured rows and narratives for RevOps, CRM automation, and specialty finance programs.
Cash signals for BaaS programs that outgrow raw transaction feeds
Add cash health, runway, and distress layers on top of BaaS card and ACH data — JSON-first for programs that need differentiation without a quant team.
Close the books with fewer cash surprises for SMB clients
Surface proactive cash warnings at close — structured signals for teams that need faster controller review without another manual workbook.
Burn and distress signals engineers can wire in a sprint
Operational burn levers and early warning payloads — structured JSON for weekly operating reviews, investor reporting, and risk escalation.
Treasury dashboards that stay aligned with the bank feeds you already trust
Programmatic cash health and runway context for treasury teams building internal dashboards, alerts, and liquidity ladders without bespoke quant stacks.
Working capital programs powered by structured cash intelligence
Combine cash health, AR acceleration signals, and payables context for teams optimizing net working capital across subsidiaries.
Invoice finance decisions backed by API-grade cash evidence
Structured cash health and AR signals for invoice finance programs that need repeatable JSON for credit memos, limits, and portfolio surveillance.
RBF underwriting that respects both revenue quality and cash timing
Cash health, runway, and burn endpoints for RBF programs evaluating MRR-driven businesses with lumpy cash conversion.
Commercial portfolio surveillance without another analyst row per borrower
Programmatic cash health, distress, and runway for commercial lenders running surveillance across hundreds of operating companies.
Embedded lending that still passes model risk review
Cashflow endpoints for embedded lending products that need fast decisions inside checkout, invoicing, or banking journeys.
Onboarding flows that show both identity and cash plausibility
Combine identity milestones with cash evidence using structured endpoints — useful for onboarding flows that must explain decisions to compliance.
Cash conversion intelligence beyond textbook CCC formulas
Operational cash endpoints for teams optimizing CCC components with structured outputs tied to real bank movement.
Consolidated cash views without a monolithic ledger merge in v1
Run per-entity envelopes then merge structured outputs — a playbook for holding companies and PE-backed rollups using Cashytics routes.
When payroll dominates outflows, cash risk shows up in patterns
Burn and health endpoints tuned for payroll-heavy businesses — structured signals for HR-linked finance and PEO platforms.
Seasonal businesses deserve forecasts that say what was adjusted
Forecast and health routes for seasonal retail, hospitality, and agriculture — explainable JSON for committees that distrust naive linear projections.
Bridge spreadsheet unit economics to what the bank account feels
Structured cash endpoints for growth teams bridging PL unit economics to bank-reality cash tension.
AP timing is a cash event, not only a liabilities line
Structured endpoints for finance teams modeling how AP timing shifts affect runway and distress signals.
Supply chain finance programs anchored on explainable cash JSON
Cash health and AR/AP endpoints for SCF platforms connecting buyers, suppliers, and funders on one data contract.
Portfolio heatmaps powered by structured cash signals
Cash distress and health endpoints for ISOs monitoring merchant cash advances with repeatable JSON snapshots.
Factoring decisions when buyer concentration dominates risk
AR and health routes for factors evaluating buyer concentration and cash stability beyond headline advance rates.
Cash runway context next to protection products
Runway and health endpoints for insurance-adjacent products that embed cash guidance alongside policies or claims cashflows.
Marketplace risk when payouts, reserves, and velocity interact
Cash health and distress for marketplaces balancing seller payouts, reserves, and float — structured JSON for risk ops.
Earned wage and payroll-linked credit with evidence-based JSON
Health and burn endpoints for payroll-linked credit products that must explain affordability without storing unnecessary ledger replicas.
When MRR looks great but the bank account disagrees
Bridge subscription metrics to cash endpoints for SaaS lenders and vertical platforms evaluating churn, expansion, and timing risk together.
Ecommerce cash risk beyond GMV charts
Cash health and runway for ecommerce platforms modeling processor holds, refunds, and payout cadence.
Project economics meet bank balances for professional services
Cash signals for firms with work-in-progress revenue recognition — health, runway, and AR for project-based businesses.
Construction cash risk across draws, retainage, and float
Runway and health endpoints for construction finance programs tracking draws, retainage, and subcontractor payment timing.
Hospitality portfolios need seasonality-aware cash evidence
Seasonality-aware cash endpoints for hospitality lenders and operators managing peak/trough cash cycles.
Logistics working capital when fuel and freight move faster than invoices
Cash conversion and health endpoints for logistics operators and their lenders evaluating fuel spikes and payment terms.
Covenant monitoring that stores evidence, not just booleans
Structured JSON for covenant desks watching minimum liquidity and runway triggers with reproducible artifacts.
QoE appendices grounded in reproducible cash JSON
Cash endpoints for diligence teams attaching structured cash evidence to QoE workstreams without rebuilding internal models.
Board-ready cash slides sourced from API-grade JSON
Automate cash metric slides with structured outputs for CFO teams tired of screenshotting spreadsheets.
IR narratives that align with internal cash models
Cash health and runway for public and late-stage private companies standardizing investor communications.
Beyond the fragile 13-week spreadsheet
Move weekly cash reviews from fragile spreadsheets to API-backed signals while keeping human ownership of assumptions.
Reliable pipelines from bank feed normalization to cash scores
Architecture notes for turning normalized bank feeds into Cashytics envelopes at scale — for data teams wiring ingestion.
Cash intelligence as a sidecar to core banking systems
Patterns for banks attaching Cashytics outputs next to core deposits and loans without duplicating ledger of record.
The pragmatic integration playbook for cashflow POST APIs
End-to-end engineering guide: auth, envelopes, error handling, retries, and observability for teams shipping cash endpoints to production.
Collections automation grounded in explainable distress JSON
Wire distress outputs into CRM and dialer workflows — patterns for collections leaders automating without being predatory.
Venture-backed startups need cash signals that fit their chaos
Cash endpoints for platforms serving startups — lightweight signals for runway and burn without enterprise bloat.
Growth equity surveillance with comparable JSON across portcos
Portfolio surveillance patterns for growth equity funds combining health, runway, and distress across operating companies.
When activation charts need a cash reality check
Join activation metrics with cash endpoints for product-led growth teams proving revenue quality to finance.
Revenue share programs and hidden cash timing risk
Cash endpoints for partnership programs where revenue share timing creates working capital tension.
Churn shocks show up in cash before they finish showing up in NRR decks
Cash health for subscription businesses modeling churn shocks against payroll and marketing spend.
Tax timing is a cash provisioning problem, not only an accounting accrual
Model estimated tax and remittance timing with cash endpoints for finance teams provisioning liquidity.
Processor reserves as first-class cash risk
Cash signals for platforms navigating processor reserves, chargebacks, and settlement delays — structured JSON for risk ops.
Franchise systems need comparable cash signals without centralizing every bank login
Patterns for franchisors aggregating per-location cash signals while preserving franchisee autonomy over raw bank credentials.

Contract reference: Endpoint reference · Playground · Pricing