Know your cash position before it becomes a problem.
Cash Hand helps you track overdue payments, predict shortages, and get clear next steps — without complicated software.
“Accounting software tells you what happened. Cash Hand helps you see what could happen next — and what to do about it.”
Collect ₹3,20,000 from Shree Ganesh Traders before 5th Oct to cover raw material advance and GST payout without drawing your CC/OD limit.
Expected cash dip on Oct 7 (-₹4.5L for supplier delivery). WhatsApp reminder draft generated below.
Running a business is hard. Guessing your cash flow makes it harder.
Most Indian business owners manage cash by checking their bank app balance every morning. Here is what keeps them awake at night:
“I know my sales, but I don’t know if I will have cash next month.”
Paper profits look great on GST returns, but bank balances run dangerously thin when advance payments are delayed.
“Customers are not paying on time.”
Uncomfortable follow-ups, delayed 60-day credit promises, and no clear system to prioritise which client to call today.
“I don’t know which expenses are killing my profit.”
Unchecked transport leaks, raw material spikes, recurring subscriptions, and interest charges quietly eating operating margins.
“I can’t decide if I can afford new inventory or staff.”
Hesitating on high-margin purchase orders because you aren't sure if salary or vendor dues next week will bounce.
“You should not need to be a finance expert to make confident business decisions.”
Cash Hand handles the number crunching and gives you simple, actionable guidance in plain language.
Simple in. Clear answers out.
You don’t need an MBA or an IT team. If you know how to use WhatsApp, you can master your business cash flow.
Share basic numbers
Sales, purchases, expenses, and outstanding invoices shared effortlessly through WhatsApp or a simple Google Form. No complex uploads.
Our system analyses your cash flow and receivables
Our AI-assisted financial engine evaluates payment patterns, identifies overdue bottlenecks, and models upcoming cash gaps.
Receive a clear report with practical recommendations
Get a crystal-clear, non-technical PDF and WhatsApp breakdown highlighting who to follow up with and safe spending limits.
Choose monthly monitoring and automated reminders for ongoing support
Stay proactive with continuous weekly updates, overdue customer prioritisation, and polite WhatsApp payment reminders dispatched on time.
Takes less than 2 minutes to initiate • 100% confidential
Your practical finance partner
No confusing reports. No finance jargon. Just clear answers for your next business decision.
Smart Financial Dashboard
A single, clean screen showing cash in hand, receivables due this week, and critical vendor commitments. No digging through complex ERPs.
AI Cash Flow Analysis
AI-powered cash-flow analysis that uncovers hidden patterns in customer payments, seasonal lags, and working capital cycles.
Overdue Invoice & Receivables Tracker
Automatically tags debtors by payment probability, aging bracket, and credit risk so your collection calls target high-yield amounts first.
30 / 60 / 90-day Cash Flow Prediction
Look into your financial future. See exactly when bank balances might dip below safety thresholds so you can act weeks in advance.
Clear Financial Recommendations: what to do next
Zero guesswork. Every report ends with a prioritized 3-step checklist: which client to call, which vendor to hold, and safe buffer.
Automated WhatsApp & Email Payment Reminders
Send polite, professional payment reminder templates via WhatsApp that preserve your business relationships while getting bills cleared.
Working Capital Need Estimation
Know your exact working capital requirement before taking on large manufacturing orders or expanding wholesale distribution routes.
Expense Health Check
Identify silent cost leakages — from logistics markups to unused subscriptions and vendor price creeps before they dent net profit.
“Can I afford this purchase?” decision support
Thinking of buying machinery, bulk raw materials, or hiring new sales staff? Get an instant simulation of its impact on next month's liquidity.
Ready to see your business cash flow with zero guesswork?
Get an actionable diagnostic report within 24 hours of sharing your figures.
Start with clarity. Continue with confidence.
Choose between a one-time deep diagnostic check or continuous ongoing support tailored to your business scale.
One-Time Cash Flow Health Check
A thorough audit of your current cash leaks, receivables, and runway.
Monthly CFO Service
Try Cash Hand CFO for 14 days for just ₹99. Hands-on proactive cash management, weekly check-ins, and direct WhatsApp payment reminders.
₹699/month after the trial if you choose to continue.
Future SaaS Plan
Self-serve intelligent software connected directly into your bank and accounting tools.
Built for businesses where cash flow matters every day
Whether you sell in wholesale markets, run a machine shop, or supply hardware across your district, Cash Hand fits your daily trade realities.
Wholesalers & Distributors
Manage 30 to 60-day credit cycles across retail dealer networks, track payment delays, and avoid supplier hold-ups.
Manufacturers
Balance upfront raw material purchases and factory labor against delayed payments from corporate clients.
Construction Material Suppliers
Cement, steel, sand, and stone traders dealing with project milestone billings and delayed contractor receivables.
Furniture & Material Businesses
Handle seasonal demand surges, high inventory holding costs, and staggered order advance disbursements.
Textile Businesses
Yarn, fabric weavers, and garment houses navigating festive production peaks and extended seasonal collection terms.
Electrical & Hardware Suppliers
Thousands of SKUs, diverse contractor accounts, and high inventory turnaround with tight gross margins.
Automobile Parts Businesses
Distributors supplying garages and workshops with rolling credit limits and daily cash / credit mixed invoicing.
Any small B2B business with recurring invoices
Any enterprise dealing with delayed receivables, vendor payment pressures, and monthly salary or GST obligations.
““If your customers pay on 30–90 days credit while your suppliers demand payment on 15 days, Cash Hand was built specifically for you.””
Helpful technology, with human oversight.
We combine state-of-the-art AI intelligence with seasoned financial analysts so you always receive actionable, error-free advice.
“Recommendations are explainable, practical, and reviewed with human oversight. No black-box decisions.”
Every calculation is double-checked by experienced accountants. You will never receive a robotic or unrealistic recommendation.
Advanced Language Models
Harnessing frontier models such as Claude, GPT-4o, and Gemini to decipher messy ledgers, interpret supplier remarks, and craft natural, polite reminder messages.
Indian MSME Pattern Workflows
Custom financial analysis workflows designed specifically around Indian business realities: 30/60/90 day credit, festive liquidity shifts, TDS, and GST payment schedules.
Google Sheets & Automation
Simple, familiar Google Sheets and secure cloud automation for effortless data intake. No steep learning curves or complicated new software to install.
WhatsApp Business API
Official WhatsApp Business API integration for delivering weekly cash updates and 1-click payment reminders directly where business owners and dealers already chat.
Secure Cloud Storage & Privacy-First
Enterprise-level 256-bit encryption for all your financial numbers. Your numbers remain completely confidential and are never shared or sold.
CA & Financial Analyst Review
Before any action plan reaches your phone, our Indian finance specialists verify supplier terms, credit risk models, and liquidity buffers for sanity.
Built for Indian businesses.
Real feedback from distributors, manufacturers, and traders who replaced financial stress with proactive clarity.
GST-friendly thinking
Synced with Indian filing dates, GSTR-1 & 3B timelines, and tax cash reserves.
Designed for Indian business realities
Built for staggered trade credits, seasonal Diwali demands, and relationship-driven trade.
We never sell or share your financial data
Zero third-party monetization. Strict non-disclosure agreements for every client.
“Earlier, I only found out about cash crunches 2 days before the 20th GST filing deadline. Cash Hand showed me three weeks in advance which 4 retail debtors to follow up with. We collected ₹7.5 Lakhs in 48 hours without losing client goodwill.”
“In the textile trade, everyone works on 60-day credit. Cash Hand understands this reality. Their automated WhatsApp payment templates are respectful and prompt — our average debtor payment cycle dropped from 68 days to 41 days.”
“I was about to purchase a ₹8 Lakh CNC drill on finance. Cash Hand ran a simulation and advised me to defer it by 3 weeks until our major OEM receivable cleared. That single recommendation saved us from bouncing supplier checks.”
Privacy & Bank-Grade Security Visual
End-to-end encrypted storage • Strict NDA protection • Indian data sovereignty
Get Your Business Cash-Flow Health Check
Fill out the quick form below. Our finance team will review your business profile and share actionable recommendations.
Identifies high-priority overdue debtors: Know exactly who to call today to protect your supplier commitments.
30-day forward cash trajectory: See dips before they happen, allowing smart inventory and credit decisions.
Zero software setup: Works smoothly through simple WhatsApp message summaries and Google Sheets.