Financial Signals & Alerts
finban monitors your finances and alerts you to critical signals before they become problems. Learn what each signal means and how to respond.
High Burn Rate
Your company is spending cash faster than it is generating revenue. A high burn rate shortens your runway and puts the business at risk if not addressed promptly.
Learn moreCash Runway Critical
Your remaining cash runway has fallen below a safe threshold. With less than three to six months of operating expenses covered, immediate action is required to extend your financial lifeline.
Learn moreNegative Operating Cashflow
Your business is consistently spending more cash than it generates from operations. Persistent negative cashflow erodes reserves and threatens long-term viability.
Learn moreOverdue Receivables
Your customers are consistently paying late. Overdue receivables create cashflow gaps, increase working capital requirements, and may indicate deeper collection or customer relationship issues.
Learn moreLiquidity Gap Detected
A forthcoming period where your projected cash outflows exceed your projected inflows has been identified. Without intervention, your account balance will drop below the minimum required to cover obligations.
Learn moreRevenue Decline
Your revenue is trending downward over consecutive periods. A sustained decline reduces your ability to cover costs, invest in growth, and maintain financial stability.
Learn moreHigh Fixed Costs
Your fixed cost ratio exceeds a healthy threshold. When too large a share of your expenses is locked in regardless of revenue, your business becomes fragile and unable to adapt quickly to changing conditions.
Learn moreSeasonal Fluctuation Detected
A recurring seasonal pattern has been identified in your cashflow. Predictable peaks and troughs require proactive planning to avoid shortfalls during low-revenue periods.
Learn moreCustomer Concentration Risk
Too much of your revenue depends on a small number of customers. If one major client leaves or delays payment, your entire cashflow could be severely disrupted.
Learn moreUnfunded Growth
Your business is growing faster than your cash reserves can support. Revenue is increasing, but the cash required to fund that growth — inventory, hiring, infrastructure — is outpacing available funds.
Learn moreMissing Tax Reserves
Insufficient cash has been set aside to cover upcoming tax obligations. When tax payments come due, the shortfall will create an immediate liquidity crisis if not addressed in advance.
Learn moreCredit Line Near Limit
Your revolving credit facility is approaching or has reached its maximum limit. When your credit line is maxed out, you lose your financial safety net at precisely the moment you may need it most.
Learn moreMargin Erosion
Your profit margins are declining over time. When the gap between revenue and costs narrows progressively, your business generates less cash from every euro of revenue, threatening long-term viability.
Learn morePlan vs. Actual Deviation
Significant variance has been detected between your financial forecast and actual results. When plans consistently diverge from reality, either the plan needs recalibrating or the business is off track.
Learn morePayment Default Risk
High-risk receivables have been identified in your portfolio. Certain outstanding invoices show patterns associated with potential non-payment, threatening your expected cashflow.
Learn moreFinancial Signals & Alerts
finban monitors your finances and alerts you to critical signals before they become problems.
Learn moreGet alerted before it's too late
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