finban is a liquidity management platform that connects bank accounts, invoices, and accounting data to provide real-time forecasts and scenario analysis for small businesses, replacing spreadsheet-based cash flow planning.
What is finban?
finban is a cloud-based tool that automatically syncs bank transactions, open invoices, and recurring contracts to generate a rolling 12-month liquidity forecast. It takes data from integrations like Lexware Office, sevdesk, Stripe, PayPal, Shopify, Excel/Google Sheets, and Qonto, and outputs interactive dashboards showing current cash position, future projections, and “what-if” scenarios. Developed by finban.io, it is designed for German-speaking SMEs and startups.
Key Features
- Real-time liquidity dashboard — Aggregates all connected bank accounts, PayPal, and payment platforms into a single view, updated automatically with each transaction as seen on the Liquiditätssteuerung page.
- Scenario analysis — Model the impact of hiring, delayed payments, or new investments on cash flow using actual financial data, not estimates. See Szenarien & Forecasts.
- Multi-banking — Connect multiple business accounts from different banks (e.g., Qonto) and see combined balance instantly.
- Integration with accounting tools — Syncs outstanding invoices and offers from Lexware Office, sevdesk, and Buchhaltungsbutler to avoid manual data entry. All integrations.
- Automatic contract recognition — Identifies recurring payments (rent, subscriptions, insurance) from bank statements and tracks cancellation deadlines.
- Budget tracking — Compare planned budgets against actual spending in real time, with automatic categorization of expenses.
- Employee cost simulation — Calculate total employer cost (including social contributions) for new hires and see effect on liquidity forecast.
- 12-month rolling forecast — Automatically generated based on historical income/expenses and updated with each new transaction.
Who is it for?
- Small business owners and freelancers who need to know whether they can afford a new hire, an office move, or a delayed payment without manually maintaining spreadsheets.
- Agency managers juggling multiple projects with varying payment schedules — use finban to see project-level liquidity impact.
- Startup founders managing multiple bank accounts and payment platforms — finban centralizes all cash positions and forecasts for fundraising and board reporting.
- E-commerce operators using Shopify and Stripe who want to tie payment inflows to upcoming tax payments and salaries.
What can you do with finban?
- Hiring decision: Model the total cost (salary + employer contributions) of a new employee and see the effect on monthly liquidity for the next 12 months.
- Cash flow stress test: Create a “worst-case” scenario where a key customer delays payment by 60 days; finban recalculates the forecast in seconds.
- Contract review: Automatically detect all recurring subscriptions from bank statements, view total monthly liability, and see renewal dates so you can cancel unused tools.
- Budget vs. actual: Set monthly budgets for categories like marketing or payroll; finban flags overspending the moment a transaction posts.
How does finban work?
After signing up for a 14-day free trial, connect your business bank accounts via open banking and choose your accounting integrations. finban imports historical transactions and open invoices, then generates a 12-month liquidity forecast. You can create “scenarios” (e.g., add a salary, delay an invoice) to see immediate impact. The dashboard updates continuously as new data arrives.
