Financial Health

Your Business Financial Health. At a Glance

AI-powered cash flow prediction, revenue forecasting, risk assessment, and liquidity analysis. Know your financial future before it happens

Financial Health Engine🟢 Strong (87/100)
Cash Flow
Positive
₺340K/mo
Revenue
Growing
↑ 12%
Risk
Low
Score: 8
Liquidity
Healthy
4.2 mo
Cash Flow Forecast (Next 90 Days)
Apr 1Apr 30May 31Jun 30
Optimistic Expected· Conservative
Prediction: ₺380K net cash flow (±15%)· Confidence: 82%
Risk Indicators
Chargeback exposure
🟢 Low (₺12K)
Refund pipeline
🟢 Normal (₺8K)
Provider dependency
🟡 Moderate (65% via HyperPay)
Seasonal risk
🟢 Low (Q2 is strong)
Upcoming Obligations
Mar 28Salaries₺320,000
Mar 30Rent₺180,000
Apr 1Tax filing₺45,000
Apr 5Insurance₺28,000
Apr 10Marketing₺95,000
Total next 30 days₺668,000
Current balance₺890,000
Coverage1.33x ✅
After all obligations, remaining₺222,000

🤖 AI Financial Advisor

Your cash flow is healthy but provider concentration is a risk. If HyperPay has an outage, 65% of your revenue stops. Recommendation: route at least 20% of SA traffic to Moyasar as backup. Also: Q3 historically sees a 15% revenue dip for your category — consider building a ₺200K cash reserve by June to maintain healthy liquidity

What We Track

💰
Cash Flow Prediction

AI predicts net cash position for the next 30/60/90 days, considering all known obligations and predicted revenue. Updated daily

📈
Revenue Forecast

ML-based revenue forecast using your data, seasonal patterns and market trends. Accuracy ±8% (30-day window)

⚠️
Risk Score

Composite risk based on chargeback rate, refund pipeline, provider concentration, churn, fraud exposure and market risk. Scale 0 (safe) to 100 (critical)

🏦
Liquidity Runway

How many months you can operate at current burn rate without new revenue. Your runway: 4.2 months

📉
Burn Rate

Monthly expenses vs revenue growth — are you growing faster than you spend? Track the trajectory. Your burn: ₺840K/mo

🔮
Scenario Planning

"What if revenue drops 20%?" "What if I add 2 employees?" "What if USD/TRY changes 10%?" — AI simulates

Zyrix — The Payment Operating System