Always know where your cash is and what's committed.
Real-time cash position reporting gives you a clear snapshot of your available cash, committed payments, and expected receipts. You're never caught off-guard by a shortage, and you can make confident decisions about spending and investment.
The short answer
A real-time cash position is an up-to-date view of the money a business actually has available to spend — its current bank balances, less the payments already committed, plus the receipts expected to arrive — rather than just the headline balance shown by the bank. It’s one function of Cash Flow Reporting within your Finance Hub — part of a connected back office.
The Challenge
Common problems we solve
You judge what you can spend by the bank balance, which overstates what is actually available
Committed payments like payroll and tax are not visible until they hit, causing avoidable squeezes
Cash sits across several accounts, making the true overall position hard to see
Tight weeks arrive without warning, leaving no time to arrange credit or accelerate collections
What's Included
Here's what you receive
Current Cash Balance
Your actual cash position across all accounts, drawn from daily bank feeds and consolidated into a single figure.
Committed Payments View
Known obligations—payroll, loan repayments, scheduled bills, tax—identified so you can see what is already spoken for.
Expected Receipts
Invoiced amounts not yet paid tracked as expected inflows, giving a forward sense of what is coming in.
Available-Cash Calculation
Available cash shown as balance less commitments, so you know what can safely be spent rather than just what is in the account.
Multi-Account Consolidation
Cash across all your accounts brought together into one total available position.
Early Shortfall Warning
Tight periods flagged in advance, giving time to arrange credit, accelerate collections, or adjust timing.
Why It Matters
How it works
The balance shown in your bank account is not the same as the cash you can safely spend. Some of that money is already committed—payroll due next week, a loan repayment, a supplier payment, the next BAS—while more is on its way in from invoices not yet paid. Real-time cash position reporting separates the two, showing your actual balance, what is committed against it, and what is expected to arrive, so the figure you make decisions on reflects reality rather than today's bank statement. We build this from daily bank feeds and your known commitments and receipts, and keep it current so the picture does not go stale. The practical benefit is fewer surprises: you can see a tight week coming before it arrives, and you can commit to spending knowing the cash is genuinely there once obligations are accounted for.
Current cash balance across all accounts
Committed payments and obligations identified
Expected receipts tracked
Operating reserve visibility
Early warning of cash shortfalls
Confidence in financial decisions
The Process
How real-time cash position works
Daily bank feeds provide actual cash balance
Committed payments (scheduled bills, loans) identified
Expected receipts (invoiced, not yet paid) tracked
Available cash calculated = balance minus commitments
Cash position updated daily
Reported in real-time dashboard
Best For
Who this service is ideal for
Owners who make spending or investment decisions and want to know what cash is genuinely available
Businesses with committed outgoings like payroll, loans, and tax that need to be seen ahead of time
Businesses running multiple accounts that want a single consolidated cash position
Complementary Services
Related services to explore
Accounts Receivable
Accounts receivable management gives you complete visibility into customer invoices, payment status, and aging. We track who owes you money, identify overdue accounts, manage follow-up, and analyze payment patterns so you can optimize credit terms and collection efforts.
Management Reporting
Management reporting goes beyond raw numbers. We provide comprehensive financial reports with expert commentary explaining what the numbers mean, highlighting trends, identifying anomalies, and surfacing opportunities for action.
Ready to get started with real-time cash position?
We can help you implement real-time cash position and start seeing results. Book a consultation to discuss your specific needs and explore how this service can transform your business.