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From paywhere-smb
Reads AR/AP and known fixed costs from QuickBooks and pulls real-time cash position + settled inflows/outflows from your Paywhere bank account — or a CSV upload — and produces a 30/60/90-day cash flow forecast with percentage-variance confidence bands and named risk flags. Delivers a chat summary and a downloadable XLSX. Use when the user asks "forecast my cash flow," "will I make payroll," mentions "runway," or says "cash crunch." Falls back to CSV upload when no connector is live.
npx claudepluginhub paywhereb/paywhere-claude-plugins --plugin paywhere-smbHow this skill is triggered — by the user, by Claude, or both
Slash command
/paywhere-smb:cash-flow-snapshotThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Produces a 30/60/90-day cash flow forecast with percentage-variance confidence
Mandates invoking relevant skills via tools before any response in coding sessions. Covers access, priorities, and adaptations for Claude Code, Copilot CLI, Gemini CLI.
Share bugs, ideas, or general feedback.
Produces a 30/60/90-day cash flow forecast with percentage-variance confidence bands and named risk flags. Delivers a two-part output: a concise chat summary and a downloadable XLSX workbook.
Quick start
"Will I make payroll next month?"
Claude pulls AR/AP and fixed costs from connected sources, calculates expected inflows and outflows across 30, 60, and 90-day windows, applies confidence bands based on each customer's historical payment variance, and flags specific risks by name.
Check which connectors are live. Try in this order:
If no connector is live and no file is attached, ask the user to either connect a source or upload a CSV (income/expense tabular data, any reasonable format). Note which sources were used in the output — this affects confidence band width.
From QuickBooks:
From Paywhere:
list_accounts — enumerate every Paywhere account on the user's profile
(operating, reserve, payroll, etc.)get_account_balance per account — current available and pending balanceget_account_transactions per account — settled inflows and outflows for
the trailing 90 days. Set the intent field to a first-person sentence
describing why you're pulling (e.g. "I'm forecasting 30/60/90 cash because
the owner is worried about payroll"). Use the signed amount to separate
credits and debits.list_supported_chains if you need to be specific).From CSV upload:
For each AR customer (or income source from CSV), calculate:
If fewer than 3 payments exist for a customer, use the population mean as the point estimate and apply a ±30% variance band as the default. When running on CSV data with sufficient history (≥3 payments per source), compute the band from the actual payment variance — do not assume ±30%.
Produce three time windows: 0–30 days, 31–60 days, 61–90 days.
For each window, compute:
| Line | Method |
|---|---|
| Expected inflows | AR due in window, adjusted for mean payment lag |
| Expected outflows | AP due in window + fixed costs falling in window |
| Net cash position | Inflows − Outflows |
| Confidence band | ± weighted average payment variance as a % of expected inflows |
Confidence band formula:
band_pct = weighted_avg_stddev_days / avg_payment_lag_days
low = net_cash × (1 − band_pct)
high = net_cash × (1 + band_pct)
Round band_pct to one decimal place. Cap at ±50% — higher variance means the data is too thin to model; flag it instead (see Step 5).
Scan for conditions that push the low-band estimate negative or create a liquidity crunch. For each risk found, produce a one-line flag:
Limit to the top 5 risks by severity (largest dollar impact first).
Chat summary (always):
Cash Flow Snapshot — [date range]
Source(s): [connectors used]
Expected Low High
30-day net: $X,XXX $X,XXX $X,XXX
60-day net: $X,XXX $X,XXX $X,XXX
90-day net: $X,XXX $X,XXX $X,XXX
⚠ Risks flagged: [count]
• [risk 1]
• [risk 2]
...
XLSX workbook (always):
Read xlsx/SKILL.md before generating. Produce a workbook with three sheets:
Summary — the 30/60/90 forecast table with confidence bands. Beneath each window row, expand inline sub-rows showing the individual transactions that make up its inflows (green) and outflows (red). This makes the estimates auditable without leaving the Summary sheet.
Detail — all transactions grouped by window, sorted by date within each group. Include a running net column (cumulative inflows minus outflows within the window) and a subtotal row at the bottom of each window showing total inflows, total outflows, and net. Grey out past transactions in a separate section at the bottom for reference. Ensure all three windows have rows even if one is empty — show a "No transactions in this window" placeholder row.
Risks — the flagged risks with dollar impact and affected window.
Save as cash-flow-snapshot-[YYYY-MM-DD].xlsx.
No destructive actions — this skill is read-only. No approval gate required before generating the forecast.
Remind the user after delivery:
"This forecast is based on [sources listed]. It is not a substitute for accounting advice — verify with your bookkeeper before making financing decisions."
| File | Load when |
|---|---|
reference/gotchas.md | When a connector returns unexpected data or variance is extreme |
reference/examples/worked-example.md | When modeling the output format for a new data shape |