What's new
At financial institutions where Autobooks Capital is enabled, small businesses that are prequalified, approved, or have a Capital application in progress can now see a Cash Flow Forecast card on their Autobooks dashboard. The card predicts whether a business’s expenses are likely to outpace its incoming payments over the next 30 days and presents a Capital offer to help bridge the gap.
The forecast is personalized. It uses each business’s actual invoice history, average customer payment time, and recent spending patterns from linked bank accounts to generate the prediction. It refreshes each time the user logs in.
When a cash gap is detected, the card displays three figures: expected money coming in, estimated money going out, and the projected shortfall. Businesses can expand the card to see the underlying data behind the forecast. A Capital offer tailored to the business’s current status appears at the bottom of the card, with a direct path to apply, draw funds, or check application status depending on where they are in the Capital process.
Why it matters
Cash flow timing is one of the most persistent challenges for small businesses. Many owners are profitable on paper but still struggle when invoices collect slowly and expenses keep moving. By the time a shortfall becomes visible, options are often limited.
The Cash Flow Forecast changes that dynamic. It surfaces a forward-looking view of cash position directly inside the banking experience, and pairs it with a Capital offer at the moment a gap is detected. Rather than waiting for a business to recognize a problem and seek outside financing, financial institutions can now present a relevant, timely solution before the situation becomes urgent.
For financial institutions, this update turns the business checking account into a proactive tool for Capital engagement. When a prequalified business sees a projected shortfall alongside an offer to act on it, the path to a completed application or a working capital draw becomes much shorter.
How it works
The forecast card appears on the dashboard when three conditions are met:
- The financial institution has Autobooks Capital enabled
- The small business is prequalified, approved, or has a Capital application in progress
- The system detects a projected cash gap with medium or high prediction confidence based on invoice history and linked bank account activity
When all three conditions are met, the forecast card replaces the standard dashboard metrics at the top of the payments summary area. Businesses that do not meet these criteria see the standard dashboard view as usual.
The Capital offer within the card reflects the business’s current status. Prequalified businesses see their offer amount with a prompt to apply. Approved businesses can access available funds directly. Businesses with an application in progress can check their status. The forecast card and the Capital prequalification banner are never displayed at the same time.
Availability
The Dashboard Cash Flow Forecast is available to financial institutions on the Autobooks Plus, Pro, and Smart Checking packages that have Autobooks Capital enabled. The forecast card is visible only to capital-eligible small businesses with a detected cash gap.
If you are interested in offering Autobooks Capital to your small business customers, please visit autobooks.co/packages to learn more about Autobooks Plus, Pro, and Smart Checking.