13-week Cashflow Engine
Know what cash needs before it becomes the problem.
Horizon turns dated cash events into one practical 90-day decision: the first watch week, the amount to protect and the levers to use before cash pressure becomes operational damage.
Not another reporting file
Cash visibility is useful only when it changes the next action.
A forecast that ends in a table still leaves the operator to find the problem. Horizon reads the same cash events through explicit thresholds and produces a deterministic order of action.
Four outputs that matter
Read the decision in minutes.
Horizon keeps the model light on purpose. The output is designed for the weekly cash conversation, not for a finance team to explain after the fact.
Signal
SAFE, CAUTION or ACTION based on minimum safe cash and the caution target.
Watch week
The first week where the selected scenario reaches the relevant pressure threshold.
Protect / Buffer
The amount to protect, or the buffer remaining above minimum safe cash.
First levers
A deterministic order: flexible spend, earlier collections and then the residual funding gap.
A guided product tour
Read the decision first.
Then check the mechanics behind it.
The tour advances automatically. Pause it, choose a step, or open any screen at full size. Nothing here is a mock-up.
Scroll or click for the full screenSee the first watch week, the amount to protect and the first levers before reviewing weekly detail.
The weekly routine
Five minutes when the events are clean.
Horizon is not a monthly reporting ritual. It is a recurring operating discipline.
Update events
Adjust amounts, dates, recurrence and notes.
Read Plan
Start with the current plan, then switch to Stress.
Protect the line
Use Watch week and Protect / Buffer to decide the first lever.
Save the review
Keep a dated conclusion and track how the outlook moves.
Local by design
Your cash data is not the product.
The product opens as a self-contained HTML file in a modern desktop browser.
Data stays local. A guided transfer file moves the full cash plan into a newer Horizon version without retyping.
Horizon receives only the cash events you enter. It does not connect to bank or accounting systems.
Signal thresholds, scenario percentages and cash-event treatment are documented inside the product.
Your figures stay on your device, which also means Mentat Ledger cannot protect them. Anyone with access to the device, the browser profile or a backup file can read them. Browser storage can be cleared by you or by the browser, so the transfer file is the durable copy — keep one somewhere safe.
Who it is for
Small operators who carry the cash risk themselves.
Horizon assumes you already know your business. It does not teach cashflow; it removes the delay between knowing and deciding.
Founders and owner-operators
You sign the payments and you carry the consequence. Horizon puts the next pressure point in front of you before the bank balance does.
Finance of one
No treasury team, no rolling forecast process. One file, one weekly routine, a dated trail of what you concluded.
Advisors and interim finance
Hand a client a readable 13-week view without onboarding them onto a platform or asking for bank access. One licence covers one business, so a licence per client engagement — ask us about a practice licence if you need several.
Anyone leaving a spreadsheet behind
The engine was rebuilt from a working Excel model and revalidated week by week against it. The logic did not change; the fragility did.
Horizon · Launch edition
A cash decision you can act on.
Without another subscription.
Buy the product once and keep it. No seat count, no renewal date, no vendor holding your cash data. The next 13 weeks are readable in minutes, every week, for as long as you use it.
- 13-week forecast from your own dated cash events
- Stress, Plan and Upside on the same events
- Signal, watch week, protection amount and runway
- Deterministic order of levers, not a list of suggestions
- Dated weekly review history
- Self-contained local HTML product, no account
- English and Dutch interface, your currency and number format
- 32 built-in checks you can run yourself
- Snapshots, guided data transfer and JSON backup
- Corrections for confirmed defects within the purchased major version
Checkout and digital delivery through Lemon Squeezy.
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