"Should we wait until a better month?". Don't guess – see for yourself.
You're working the cash out in your head again. What's due in. What goes out. The VAT bill. The one who still hasn't paid. You run that sum every time something needs deciding. And you run it from memory, so you pad it a bit to be safe. Underneath it all sits a low hum of hoping you've got it right.
If you could tell, before you committed, whether a decision was financially safe, how many of the moves you've delayed would you make?
Most owners can't tell. There's no report that shows it.
Get my Cash Horizon for £9
Figures you already have to hand. An answer in minutes. The Gameplan included.
You already know time is money. You have an idea what the money figure is. What you've never had is the other half: the time that money buys you. That's what tells you you're safe.
That's what the Cash Horizon is: The tool works it out in minutes.
What your cash is actually telling you.
Three horizons. Each one uncovers more security. Your real position, previously invisible.
Six weeks on its own may feel uncomfortably tight. But seeing your unpaid invoices give you 13 weeks gives greater clarity.
In this example it reveals 7 further weeks of security you probably didn't know you had. Not knowing is stressful. It's why decisions get pushed to next month ... and the next month.
You're doing the whole calculation in your head.
You open the banking app and look at the balance. Then the arithmetic starts. What's due in, and how sure are you about each one. What goes out, and when. Somewhere in all that you arrive at a feeling about whether the spend is affordable, and you act on the feeling.
You're doing it from memory. Memory is hard work, it's unreliable, and the figures move every week, so the work never actually finishes.
The alternative is a cashflow forecast. But reading the spreadsheet isn't always simple, especially if there are doubts about whether it's fully up to date. At which point you're back to memory and mental maths again.
In reality the uncertainty creates the ceiling.
Growth needs decisions. Decisions need clarity about what you can actually afford, and enough confidence to commit to it. Without both of those, the decision gets postponed, and the business stays exactly where it is.
The Cash Horizon settles both, in minutes.
The usual options, and why they don't tell you what you need
- Keeping 3 months of costs in the bank. It sounds prudent, but the line is arbitrary, so any spend that dips below it feels unsafe and gets delayed to protect the balance. Caution feels safe. Too much caution holds the business back. Your horizon replaces the arbitrary line by showing you exactly how much safety you already have.
- Waiting for a better quarter. The quarter arrives. The money gets absorbed. Nothing structural changed, so nothing structural changed.
- Spending anyway and hoping. Sometimes it works out. When it doesn't, it costs you a year and a fair bit of sleep.
- Asking your accountant. Great for confirming last year's figures. No help with a decision you're making this month.
None of these is daft. They're answering a different question from the one you're actually asking, which is whether this decision is safe.
Your horizons, then the one thing keeping them short.
Two facts sit underneath every decision you've delayed: whether it's safe, and what's keeping your horizon short. You get answers to both.
Your horizons
Figures you already have to hand. Out come your 3 numbers, measured in weeks.
The choke point
Every business runs on the same 12 fundamentals. One of yours is where everything backs up.
The Gameplan
The next steps to take, in the right sequence. The one move to make first, and why that one.
Step 2 is why the last three things you tried didn't stick. Most owners fix things upstream or downstream of the real constraint. So, even with those fixes, the overall business stays stuck at the ceiling.
Two tools. An answer in minutes.
The Cash Horizon
A tool inside Multipliable OS that turns figures you already have to hand into weeks: how long your business could keep running with nothing new coming in.
- 3 horizons, full clarity. As it looks today, then after your customers have paid, then including work you've done but not yet invoiced.
- Your chase list, more weeks of cover. You see how much of your security is sitting in unpaid invoices, which is usually the quickest way to extend your Cash Horizon.
- An answer in minutes, and nothing to maintain. Come back and update it when something changes, not every week.
- No spreadsheet, no accountant, no waiting for month end. Working out which figures actually matter was the hard part, and that's already done.
The Gameplan
Knowing your horizon is the first half. The next question follows immediately: how do you make it longer? What actually takes you from 6 weeks to 16?
That answer is specific to your business, so the Gameplan is included to find yours.
- Which of the 12 fundamentals is actually binding you, and it's usually not the one you'd have guessed.
- Why the obvious fix hasn't worked, in terms of your business rather than in general.
- What to do first, as one move rather than a list of 19 possible options.
One payment. No subscription.
£9
Both toolsWhy £9? It's a small amount, and that's deliberate. Knowing whether a decision is safe changes how you feel about your business. Making a hiring decision without the financial worry attached means you can go after better people. Measured against that, £9 seriously underprices both tools. It's priced this way for two reasons: it puts them within reach of anyone thinking seriously about the business, and it means the people who take them are the people who'll use them.
What a number does to a decision
(Creative agency, stuck at £400k for years)
Rich and Dan had run their agency for 20 years, with blue-chip clients and work they were proud of. They wanted to grow the team. But year after year they didn't, because they feared the risk of a dry spell with an extra salary on the payroll.
What changed wasn't nerve. They stopped doing the sums in their heads. Once they could see their Cash Horizon sitting at 24 weeks, the question stopped being whether they were brave enough and became whether 24 weeks was safe enough. It was.
No more stress, no more guessing. They made the hire. Never looked back.
Chris Gardener
Former Chartered Accountant, then a business owner, investor and mentor. 21 years and more than 200 owner-led firms, one to one.
The pattern is nearly always the same. A business grows by the owner doing whatever it takes to survive. So the way it works today is the product of evolution rather than design. It isn't broken. It's just never been looked at as a whole.
The Cash Horizon is the first thing I do with a new client, because it either frees up decision making, or it pinpoints the urgency. Using the Cash Horizon tool you can take this same first step without me.
- 15 years Chartered Accountant, 21 years investor and business owner
- 200+ owner-led B2B service firms mentored directly
- Built for £300k–£1.5m, past start-up and before exit
Reasonable questions
It stops you worrying when you don't need to, and it shows you the urgency when you do.
Say you want to hire someone at £45k. If your horizon is 3 weeks, that hire may not be the right priority. Probably too much risk, and now you know why rather than only feeling it.
But if your horizon is 15 weeks, and after hiring is still 14 weeks, you know the financial risk is low. You can put your attention where it belongs, which is hiring well.
A bank balance tells you where you are and nothing about what's ahead. A cashflow spreadsheet tells you what's ahead, but you can't carry it around in your head and it goes stale within days.
The Cash Horizon does both jobs at once. It looks at everything that's real today and converts your cash into time, as a single number. There's nothing to maintain, and owners who start using it tend to find it becomes the figure they reach for before any financial decision.
Then you found out for £9, before you committed the money, rather than 4 months after.
A short horizon isn't a verdict on you. It's the normal state of a business where most of the work only pays once. It's also the most useful thing you can know right now, because every decision you've parked has been waiting on it.
A few minutes for the Cash Horizon if the figures are to hand, and about the same again for the Gameplan. You can do both in one sitting or come back to the second one later.
Money is half the story. Time is the half you've been missing.
A few minutes and £9 to stop guessing.
Get my Cash Horizon for £9One payment · instant access · the Gameplan included
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