A cash flow forecast that knows when your customers really pay
Cadence, from CadenceFi, is cash flow forecasting software for UK businesses that predicts when each invoice will really be paid. It learns from each customer’s paid invoices how late they usually pay and places their open invoices in that week, not on the due date, so the weeks where cash runs short show up while there is still time to act.
Why due dates mislead
- A forecast built on due dates assumes every customer pays on time.
- If your largest customer usually pays two weeks late, a due-date forecast shows cash you will not have that week.
- Overdue invoices are either left out or assumed to arrive today, and neither is right.
What Cadence does
Each customer’s usual delay
From a customer’s paid invoices (at least two), Cadence works out how many days after the due date they pay on average, and moves their open invoices by that much.
Every plan
Overdue invoices kept in view
An overdue invoice is expected 14 days from today, so it is neither dropped from the forecast nor counted as paid already.
Every plan
Your date wins
When a customer tells you when they will pay, set the expected date on the invoice and the forecast uses it.
Every plan
Overdue alerts and late payment claims
Alerts for overdue invoices, with the statutory interest and compensation you could claim shown on each one.
Every plan
The chance of running short, and who it comes from
Cash risk works out how likely you are to drop below your buffer from how each customer really pays, and names the customers behind it.
Professional
Chase emails and payment promises
Chase emails drafted for you to review and send. Paste a customer’s reply and the promised date moves your forecast; a broken promise is flagged.
Enterprise
One late payer, two forecasts
A worked example.
- Bank balance on Monday: £25,000. Payroll and supplier payments that week: £22,000. Cash buffer: £10,000.
- A £12,000 invoice to your largest customer is due on Tuesday.
- By due date, the week closes at £15,000 (£25,000 + £12,000 − £22,000), above the buffer.
- That customer has paid about 18 days late on average, so Cadence expects the money nearly three weeks later. The week closes at £3,000 (£25,000 − £22,000), £7,000 below the buffer, and it is flagged.
Illustrative figures.
The facts
Checked against official sources on 7 November 2026.
- About £26 billion is owed to UK businesses in late payments at any one time (London Economics for the Department for Business and Trade and the Office of the Small Business Commissioner, July 2025).
- When another business pays late, the law lets you claim statutory interest of 8% a year plus the Bank of England base rate, and fixed compensation of £40, £70 or £100 per invoice depending on its size, unless your contract sets its own reasonable terms.
Short answers
How does Cadence predict when a customer will pay?
It looks at the customer’s paid invoices and works out how many days after the due date they pay on average. Once a customer has at least two paid invoices, their open invoices are placed that many days after the due date. Customers without that history are placed on the due date.
What happens to invoices that are already overdue?
They are expected 14 days from today, unless you set an expected date on the invoice yourself.
Does it work with Xero?
Yes. Cadence reads your invoices and bills from Xero, read-only, and keeps the forecast up to date every day. You can also import a spreadsheet.
See your own next 13 weeks.
Connect Xero or import a spreadsheet, and the forecast builds itself. No card needed.