Industry

Liquidity Planning for Trades & Crafts

Long payment terms, material pre-financing, and fluctuating order volumes — finban gives trades businesses the planning certainty they need.

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Challenges

Long payment terms — customers often pay 30 to 60 days after invoicing

Material costs must be pre-financed before the job is completed and paid for

Order fluctuations — full order books alternate with quiet periods and uncertain pipelines

Skilled worker shortage makes staffing expensive and long-term personnel planning difficult

Unexpected costs from material price swings and scope changes on active projects

How finban helps

Spot Liquidity Gaps Early

finban shows you day by day when shortfalls are looming. You see weeks in advance whether incoming payments will cover material costs and payroll — and can take action in time.

Scenario Planning for Orders and Investments

Simulate different scenarios: What happens if a large contract comes in? What if a customer does not pay on time? Plan investments in tools or vehicles with a clear view of the liquidity impact.

Plan Material Costs and Pre-Financing

Enter planned material purchases and see immediately how they affect your cashflow. This helps you avoid nasty surprises at the bank and time your orders strategically.

Simple and Fast — No Accounting Knowledge Needed

finban is made for master craftspeople, not bookkeepers. Connect your bank account and you are ready. No complicated tables or business school required.

Key Features

Automatic Bank Connection

Business account connected in real time

Cashflow Forecasting

Automatic forecasts that highlight shortfalls early

Scenario Planning

Model order and investment scenarios with ease

Contract Management

Leases, insurance, and supplier contracts in one place

Easy Setup

Ready to go in under 15 minutes

Accounting Integration

Connected to lexoffice, sevDesk, and DATEV (coming soon)

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“I am a tradesman, not a finance expert. finban makes it easy for me to keep my liquidity in check — and I can focus on my actual work on site.”

Andreas B., Master Craftsman

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level