Core modules

1) Cash Flow Statements — Direct method

Finoko supports the direct cash flow method to give teams the clearest operational view: what cash came in, what cash went out, and where exactly it went (customers, suppliers, payroll, taxes, lenders, capex, etc.).

To make the direct method realistic at scale, Finoko relies on bank data loaders: cash movements are loaded from bank statements/feeds and mapped to your cash flow structure, so you don’t build the statement “by hand.” This is especially valuable when you have many bank accounts, multiple entities, or high transaction volumes—because the direct method is only useful when the underlying cash transactions are complete and consistently classified.

What you get in practice:

• Faster close for cash: load bank data, reconcile, and produce a direct cash flow view without “Excel glue.”
• Transparent cash categories: receipts/payments are structured in a repeatable format for daily/weekly monitoring.
• Better payment control: direct cash flow aligns naturally with payment scheduling and approvals (cash execution discipline).

2) Cash Flow Statements — Indirect method (linked to P&L and working capital)

Finoko also supports the indirect cash flow method, which starts from net income and then adjusts for non-cash items and working capital changes (receivables, payables, inventory), giving management a strong explanation layer: “profit is X, but cash changed by Y—here’s why.”

This approach is especially useful when you need to:

• explain cash movements to owners, lenders, or boards using familiar financial logic,
• connect cash performance to operational drivers (DSO/DPO, stock build-up, timing effects),
• analyze liquidity as a result of both profitability and working capital discipline.

Result (for both methods): you can standardize the cash flow statement format and reuse it every period for actual vs plan analysis and decision-making—so cash flow becomes a consistent management cycle, not a one-time report build.

3) Multi-company, multi-currency cash control

If your group operates across legal entities or currencies, exchange-rate volatility and intercompany flows can distort a “simple” cash picture. Finoko is designed to consolidate cash flow across entities and help you manage currency effects and group-level visibility.

4) Payment calendar

Cash flow is not only reporting — it’s execution discipline. A strong cash process starts with a payment calendar that turns “accounts payable” into a clear, controllable schedule.

In Finoko, the payment calendar (payment schedule) provides day-by-day visibility into upcoming commitments so finance can see the real picture of liquidity, not just balances “as of today.”

What the payment calendar helps you do:

• Plan funding in advance: identify days/weeks where cash outflows peak and align financing, collections, or payment rescheduling proactively.
• Reduce late fees and operational disruptions: maintain predictable payment timing, avoid overdue invoices, and keep supplier relationships stable.
• Prioritize payments: focus on critical vendors, payroll, taxes, and strategic obligations, while controlling discretionary spending.
• Synchronize with forecast and budget: the calendar becomes the “execution layer” that closes the gap between a cash forecast and what actually happens.

This is the practical bridge between forecasting and reality: you can forecast a shortage — but the calendar is where you prevent it.

5) Approval workflow for invoices and payments

A payment calendar gives visibility — but approval workflow gives control. Finoko formalizes the approval chain (submission → review → approval → authorization → processing) so every payment is controlled, traceable, and aligned with policy.

What the approval workflow improves:

• Clear accountability: every payment has an owner and an approver, reducing “gray-zone” spending and last-minute decisions.
• Consistency of rules: approvals follow the same logic every time (thresholds, categories, departments/projects), so control doesn’t depend on who is online today.
• Auditability and transparency: you can always explain who approved what, when, and why — making internal control and external audits easier.
• Fewer payment errors: a structured process reduces duplicates, wrong counterparties, and “urgent” payments that bypass governance.
• Better cash predictability: once approvals are inside the system, finance can separate “planned” vs “approved” vs “executed” cash outflows — which significantly improves forecast accuracy.

Together, the payment calendar and approvals turn cash management into a governed operational process: see the commitments early, approve them correctly, and execute them on schedule.

5) Forecasting, budgeting, and gap prevention

Finoko forecasting models estimate incoming and outgoing cash for a selected horizon so you can spot shortages before they happen. It supports real-time updates, “what-if” scenarios, and reporting that makes trends easy to interpret.

You can also run cash flow budgeting (planned inflows/outflows) to identify future shortages/surpluses and prioritize spending decisions.For businesses with seasonality or uneven revenue, gap forecasting & gap management becomes critical: Finoko helps monitor statements and forecasts to pinpoint potential gaps early.