Liquidity
Cash position analysis and liquidity forecasting
Overview
The Liquidity dashboard gives you a complete picture of your cash position and future cash flow. Know exactly where you stand today and project where you'll be in the coming weeks.
This is often the first dashboard finance leaders check each day.
Key Metrics
Header Metrics
| Metric | What It Shows |
|---|---|
| Total Cash | Sum of all bank account balances right now |
| Accounts Receivable | Total outstanding customer invoices |
| Accounts Payable | Total outstanding vendor bills |
| Net Position | Cash + AR - AP (your true liquidity) |
| Cash Runway | Weeks you can operate at current burn rate |
| Weekly Burn Rate | Average weekly cash outflow |
Runway Status Indicators
| Status | Meaning | Action |
|---|---|---|
| Healthy (Green) | 8+ weeks runway | Normal operations |
| Warning (Yellow) | 4-8 weeks runway | Monitor closely, prioritize collections |
| Critical (Red) | Under 4 weeks | Immediate action required |
| Sustainable (Blue) | Cash flow positive | No runway concern |
Dashboard Sections
Cash Position Summary
The top section shows your current cash position with:
- Total cash across all bank accounts
- Breakdown by individual bank account
- Comparison to prior periods
Weekly Cash Flow Forecast
The main chart projects your cash position week by week:
- Blue bars — Projected cash inflows (collections)
- Red bars — Projected cash outflows (payments)
- Line — Running cash balance
The forecast uses multiple prediction methods:
- Historical payment patterns by customer
- Vendor payment schedules
- Recurring transactions
- Seasonality adjustments
Accounts Receivable Aging
See outstanding receivables organized by age:
| Bucket | Description |
|---|---|
| Current | Not yet due |
| 1-30 days | Recently past due |
| 31-60 days | Moderately past due |
| 61-90 days | Significantly past due |
| 90+ days | Severely past due |
Click any bucket to see the specific invoices.
Accounts Payable Aging
Similar breakdown for vendor bills:
- See what's due now vs. upcoming
- Identify opportunities to optimize payment timing
- Spot vendors requiring immediate attention
Top Customers and Vendors
Quick view of:
- Largest outstanding receivables
- Largest outstanding payables
- Click any name to see details
How Forecasting Works
Gantry predicts future cash flow using several methods:
For Receivables
- Historical patterns — When does this customer typically pay?
- Invoice terms — What payment terms apply?
- Recent behavior — Any change in payment timing?
- Weighted average — Combines methods based on reliability
For Payables
- Scheduled payments — Bills you've already scheduled
- Vendor patterns — Your typical payment timing with each vendor
- Terms optimization — Suggests optimal payment dates
Accuracy Improvement
Forecasts become more accurate over time as Gantry learns your patterns. New customers/vendors use industry defaults until enough history accumulates.
Using the Dashboard
Daily Review
- Check current cash position
- Review any new critical receivables
- Confirm upcoming payments are appropriate
- Note forecast trend direction
Weekly Analysis
- Review weekly forecast for the next 4-6 weeks
- Identify any projected cash shortfalls
- Prioritize collection calls based on AR aging
- Adjust vendor payment timing if needed
Monthly Planning
- Compare actual vs. forecast from prior month
- Adjust payment priorities based on runway
- Identify customers consistently paying late
- Review vendor payment terms for optimization
Configuration Options
Access via Settings → Liquidity:
Bank Accounts
Select which accounts to include in cash analysis. Exclude accounts used for restricted purposes.
Payment Forecasting
| Setting | Purpose |
|---|---|
| Volatility Threshold | When to flag uncertain forecasts (default: 15% variance) |
| Overdue Push Days | How far to push overdue AR in forecasts (default: 30 days) |
| History Lookback | How much history to analyze (default: 12 months) |
| Default Days-to-Pay | Assumption for new customers (default: 30 days) |
Preservation Mode
When enabled, Preservation Mode helps during cash crunches:
- Flags all non-essential payments
- Highlights vendor prioritization
- Suggests payment deferrals
- Enables weekly payment caps
Activate via toggle in Settings when cash is tight.
Payment Categories
Organize vendors into categories for better analysis:
- Essential (utilities, rent, payroll)
- Strategic (key vendors, growth investments)
- Deferrable (can be pushed if needed)
Best Practices
Monitor Daily
Cash position can change quickly. Make the Liquidity dashboard part of your daily routine.
Set Realistic Targets
Configure thresholds based on your industry and business cycle. What's critical for one business may be normal for another.
Act on Aging
Receivables aging is an early warning system. Follow up on 30+ day items before they become 90+ day problems.
Optimize Timing
Don't pay early if you don't need to. Use Gantry's insights to optimize payment timing while maintaining vendor relationships.
Review Forecast Accuracy
Periodically compare forecasts to actuals. If consistently off, adjust your configuration settings.
Common Questions
Why doesn't my cash match my bank statement?
Gantry may include pending transactions or exclude certain account types. Check your bank account configuration in Settings.
Why is a customer showing as "Current" when they're late?
The aging is based on invoice due dates. Check if the invoice has the correct terms applied.
Can I forecast beyond 6 weeks?
Yes, but accuracy decreases over time. Short-term forecasts are most reliable.
How do I handle expected one-time receipts?
Large expected payments (loans, investments, etc.) aren't automatically predicted. Factor these into your planning manually.
Related Dashboards
- Profitability — Understand what's driving cash flow
- Revenue Intelligence — Customer payment behavior analysis
- Procurement — Vendor payment optimization