Cash-flow you can actually run on
Thandi & Pieter van Wyk · Hospitality · Boutique lodge · 11 staff · Banking with us since 2019. All figures are anticipatory forecasts, refreshed hourly.
Balance today
R412 000
Forecast trough
R182 000
Week 7
Minimum buffer
R220 000
Your rule · 22 days payroll
Runway
14 weeks
Confidence 86%
8-week rolling forecast
Cash in, cash out
Confidence: open-banking · Blends settled takings, scheduled outflows and seasonality.
R85.3k outstanding across 3 clients
Two invoices past 7 days. Nudging today typically brings 68% forward within 5 business days.
Cape Explorer Tours (Pty) Ltd · INV-2041
18 days overdue · Reminder sent 3 days ago
Predicted: High — paid within 21 days on 4 of last 5 invoices
Southern Sky Weddings · INV-2047
9 days overdue · No follow-up yet
Predicted: Medium — first-time client
Blue Crane Retreats · INV-2052
Due in 3 days · Invoice viewed yesterday
Predicted: High — consistent payer
Bridge the Week 6–7 dip without touching your buffer
Facility
R150 000
From
12.4% p.a.
Term
4 months
Indicative monthly repayment R39 120 · Origination fee R1 650
Priced on
- 18 months of settled card takings
- Consented cash-flow signals from your Anticipatory account
- Seasonality benchmark vs. 43 boutique lodges (anonymised cohort)
What we'd do this week if we were you
Move VAT payment to W4
Shift your VAT run 3 days later to align with settlement from Cape Explorer Tours. Keeps the buffer intact without borrowing.
Anniversary micro-campaign
3,820 consented anniversary planners match your ideal weekend guest. Fill 6 midweek rooms in W7.
Cover check: seasonal staff
You'll onboard 2 seasonal staff before W8. UIF and public liability need a quick top-up — 4 minutes.
Ready to reach the right guests — without buying data?
Build a privacy-safe campaign using consented cohorts. No individual targeting, ever.