CashIntel
Singapore Cash Decision Intelligence
Open Toolbench
CashIntel business tools are now open to public users.
Use the toolbench for deeper business cash decisions: runway, breakeven, working-capital pressure, viability, expansion readiness, payback, support pathways, and saved local drafts.
Public Access
Not more data. Deeper business decision support.
CashIntel's business toolbench is open for public use while the site focuses on utility, trust, and email growth. Use the tools freely, save local drafts, and pressure-test real business decisions before acting.
Open Access
Public users can run the full toolbench without a preview lock.
Local Drafts
Reports can be copied and saved locally on this device while the public product grows.
Boundary
Decision support only, not financial advice.
Quick find
Find the tool by situation, not by scrolling.
Search for terms like runway, working capital, expansion, payback, saved drafts, or grants, then jump straight to the matching tool.
Tool directory
8 results
Cash Runway & Breakeven
Check survival runway, breakeven, and immediate cash pressure before making another move.
Business Viability Snapshot
Pressure-test whether the business is still repairable, stable, or too fragile.
Franchise / Expansion Readiness
Model upfront capital, lease risk, royalty load, and readiness before signing terms.
SWOT & Risk Note Generator
Turn the tool output into a short risk memo and next-action note.
Singapore Support Pathfinder
Map business needs to official Singapore support or advisory pathways.
Saved Reports Center
Reopen, copy, email, and export drafts saved on this device.
Investment / Payback Decision
Test whether a renovation, expansion, or software spend survives the cash buffer.
Working Capital Gap Planner
Find cash trapped in receivables, inventory, and supplier timing.
First run
Use the toolbench in this order.
New users should not start with a random calculator. Pick the path, run the first tool, then save or export only when the result is clear enough to act on.
Best for first-time users
Pick one path, not every tool.
Choose the decision path
Start with the situation first so CashIntel can suggest the right tool order instead of making you guess.
Open guided pathRun the first tool only
Do not try to use every tool. Start with the first one in the path, then follow the next-step prompts from the result.
See first toolSave, export, or continue later
Use saved drafts, copy, email, or PDF export once the output is clear enough to review with someone else.
View saved draftsQuick start
Choose the fastest starting point.
If you already know the situation, jump straight into the matching starting point. If not, open the guided path first and let the sequence tell you what to run next.
Business feels tight
Start with runway, breakeven, and working-capital pressure before doing anything else.
Start with runwayFranchise / expansion
Check readiness, upfront capital, lease risk, and payback before signing terms.
Check expansionShould I spend cash?
Test investment payback and whether the cash buffer survives after the spend.
Test the spendMonthly review
Use a repeatable monthly operating check instead of rethinking cash from scratch.
Run monthly reviewStart Here
Choose the decision path first.
CashIntel business tools should not feel like a spreadsheet folder. Select the situation, then run the tools in the recommended order.
You are here
Business feels tight
Use this when sales look okay but cash still feels strained, or when payroll, rent, suppliers, and collections are creating pressure.
Run this first
Cash Runway & Breakeven
Check survival runway, breakeven, and immediate cash pressure.
Open first toolWhy this path
Do not jump to Working Capital Gap Planner before Cash Runway & Breakeven.
CashIntel orders the tools so you check the immediate constraint first, then move into the next tool only when the first result says it is worth going deeper.
Recommended Flow
Find the cash leak before adding commitments.
Use this when sales look okay but cash still feels strained, or when payroll, rent, suppliers, and collections are creating pressure.
Stop here if
Runway is short, the cash gap is widening, or the viability read says the business is too fragile to add anything new.
Next recommended move
After the runway result, open Working Capital Gap Planner before trying grants, expansion, or a fresh spend decision.
Open Working Capital Gap PlannerExport or share when
Copy, save, or export the draft once the runway, gap, and viability picture are clear enough to discuss with a co-founder, spouse, or ops lead.
Tool 1
Cash Runway & Breakeven
Runway, breakeven, stress case, weak point, and a reusable cash decision report.
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Tool 1
Cash Runway & Breakeven
Runway, breakeven, stress case, weak point, and a reusable cash decision report.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the runway noteTool 1
Cash Runway & Breakeven
Enter a simple operating picture. CashIntel returns runway, breakeven revenue, pressure level, weak point, and the next cash decision.
Revenue and cost inputs are:
Cash on hand and desired cash buffer are one-time balances. All output figures are shown monthly.
Additional monthly cost boxes
Add any monthly cash pressure not covered above, such as utilities, platform fees, insurance, supplier retainers, or ad spend.
CashIntel Verdict
Preserve cash before expanding.
Cash runway
4.1 mo
Before buffer is touched
Breakeven
$74,545
Monthly revenue needed
Base cash flow
-$13,500
Current month
Stress cash flow
-$17,625
-15% revenue stress case
What Runway Means
Cash runway uses only the cash above your desired buffer. It shows how many months the business can absorb monthly cash burn before that buffer is touched.
Monthly Cost Breakdown
Fixed costs
$12,000
Payroll
$18,000
Rent
$8,000
Loan payments
$3,000
Scenario Stress Test
Compare what happens if revenue moves from base case to downside and severe pressure.
Base
Stress revenue unchanged
Revenue
$50,000
Cash flow
-$13,500
Cash runway
4.1 mo
Downside
Stress revenue -15%
Revenue
$42,500
Cash flow
-$17,625
Cash runway
3.1 mo
Severe
Stress revenue -26%
Revenue
$36,875
Cash flow
-$20,719
Cash runway
2.7 mo
Weak Point
Payroll is the largest pressure point at 44% of monthly cash costs.
Next Action
Freeze non-essential spending, renegotiate the largest cost, and rebuild at least three months of usable cash.
Cash Decision Report
Cash preservation report
Preserve cash before expanding. Runway is 4.1 mo; breakeven revenue is $74,545 per month. Base cash flow is -$13,500; stress cash flow is -$17,625. Weak point: Payroll is the largest pressure point at 44% of monthly cash costs.
Decision summary
What this result says
Cash preservation report
Preserve cash before expanding. Runway is 4.1 mo; breakeven revenue is $74,545 per month. Base cash flow is -$13,500; stress cash flow is -$17,625. Weak point: Payroll is the largest pressure point at 44% of monthly cash costs.
What to do next
Pause expansion, hiring, and discretionary spending until usable cash is rebuilt.
Renegotiate the largest pressure point identified in the weak-point section.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Pause expansion, hiring, and discretionary spending until usable cash is rebuilt.
Renegotiate the largest pressure point identified in the weak-point section.
Set a 30-day recovery target: improve cash flow or add buffer before taking new commitments.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Why this helps
Later versions can save scenarios, compare branches, generate a SWOT note, and match the weak point to Singapore support pathways.
Tool 2
Business Viability Snapshot
Viability score, cash coverage, margin of safety, risk flags, and recommended actions.
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Tool 2
Business Viability Snapshot
Viability score, cash coverage, margin of safety, risk flags, and recommended actions.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the monthly checklistTool 2
Business Viability Snapshot
A fast viability read for Singapore operators. It checks whether the business has enough margin, cash coverage, and safety distance above breakeven before expansion or new commitments.
Revenue and cost inputs are:
Cash on hand is a balance. Largest customer share is a risk percentage. All outputs are monthly.
Additional monthly cost boxes
Add any extra recurring cost that affects viability, such as director fees, software subscriptions, insurance, utilities, or contractor retainers.
CashIntel Viability Read
Fragile but repairable.
Monthly cash flow
-$11,800
After listed cash costs
Breakeven
$85,345
Monthly revenue needed
Safety distance
-31%
Revenue above breakeven
Cash coverage
1.8 mo
Cash on hand vs monthly costs
Decision Read
The business can be repaired, but the safety margin is not strong yet. Safety distance is -31%, and cash coverage is 1.8 mo.
Monthly Cost Breakdown
Fixed costs
$10,000
Payroll
$22,000
Rent
$9,000
Loan payments
$2,500
Owner draw
$6,000
Risk Flags
Monthly cash flow is negative at -$11,800.
Revenue is too close to breakeven. A small sales drop can create pressure.
Cash covers only 1.8 mo of monthly costs.
Recommended Actions
Repair one weak point before expansion: margin, rent, payroll, debt, or customer concentration.
Raise the cash buffer or reduce fixed cost until safety distance improves.
Run a 10-20% sales-drop scenario before signing new commitments.
Business Viability Report
Repair-before-expansion report
Fragile but repairable. Score is 55/100. Monthly cash flow is -$11,800; breakeven revenue is $85,345 per month. Safety distance is -31%; cash coverage is 1.8 mo.
Decision summary
What this result says
Repair-before-expansion report
Fragile but repairable. Score is 55/100. Monthly cash flow is -$11,800; breakeven revenue is $85,345 per month. Safety distance is -31%; cash coverage is 1.8 mo.
What to do next
Repair one weak point before expansion: margin, rent, payroll, debt, or customer concentration.
Raise the cash buffer or reduce fixed cost until safety distance improves.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Repair one weak point before expansion: margin, rent, payroll, debt, or customer concentration.
Raise the cash buffer or reduce fixed cost until safety distance improves.
Run a 10-20% sales-drop scenario before signing new commitments.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Tool 3
Franchise / Expansion Readiness
Upfront capital breakdown, rental deposit, royalty load, breakeven sales, payback period, and lease-signing readiness.
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Tool 3
Franchise / Expansion Readiness
Upfront capital breakdown, rental deposit, royalty load, breakeven sales, payback period, and lease-signing readiness.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the business cash noteTool 3
Franchise / Expansion Readiness
Test whether a new outlet, franchise, or expansion plan has enough cash buffer, payback quality, and monthly operating strength before you sign a lease or commit capital.
Revenue and recurring costs are:
Upfront cost buckets and available cash are balances. Rental deposit is calculated from monthly rent. Royalty and marketing fees are percentages of revenue.
Additional upfront items
Add custom one-time cost boxes such as signage, agency fees, deposits, insurance, training travel, or opening marketing.
CashIntel Expansion Readiness
Do not sign yet.
Upfront capital
$251,000
All one-time buckets
Monthly cash flow
-$9,600
After fees and fixed costs
Payback
No payback
Upfront capital recovery
Breakeven sales
$102,778
Monthly revenue needed
Post-upfront cash
-$1,000
Before operating buffer
Upfront Capital Breakdown
Franchise fee
$60,000
Renovation
$85,000
Rental deposit
$42,000
Recruitment
$8,000
Hardware
$18,000
Software
$6,000
Inventory
$20,000
Legal / training
$12,000
Decision Read
The expansion is too fragile from these inputs. Payback is No payback, and post-upfront buffer covers <1 mo of fixed costs.
Risk Flags
Expected monthly cash flow is not positive after fees and fixed costs.
Post-upfront cash covers only <1 mo of fixed monthly costs.
Recommended Actions
Do not sign the lease or franchise agreement until monthly cash flow is positive.
Reduce upfront capital or increase available cash before committing.
Ask for more location data, sales evidence, and support terms before proceeding.
Franchise / Expansion Report
Do-not-sign-yet report
Do not sign yet. Score is 40/100. Upfront capital is $251,000; payback is No payback. Monthly cash flow is -$9,600; post-upfront cash is -$1,000.
Decision summary
What this result says
Do-not-sign-yet report
Do not sign yet. Score is 40/100. Upfront capital is $251,000; payback is No payback. Monthly cash flow is -$9,600; post-upfront cash is -$1,000.
What to do next
Do not sign the lease or franchise agreement until monthly cash flow is positive.
Reduce upfront capital or increase available cash before committing.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Do not sign the lease or franchise agreement until monthly cash flow is positive.
Reduce upfront capital or increase available cash before committing.
Ask for more location data, sales evidence, and support terms before proceeding.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Tool 4
SWOT & Risk Note Generator
Generate a structured SWOT, risk note, and next-action memo from business context and cash posture.
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Tool 4
SWOT & Risk Note Generator
Generate a structured SWOT, risk note, and next-action memo from business context and cash posture.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the business cash noteTool 4
SWOT & Risk Note Generator
Convert business context into a concise decision memo. Use it before expansion, lease renewal, hiring, borrowing, or a major supplier commitment.
CashIntel Risk Read
Proceed only after risk guardrails.
Strengths
- Repeat customers and known menu
- F&B outlet already has a clearer base to build from than a new concept with no operating history.
Weaknesses
- Rent and payroll are rising
- The decision should not proceed unless this weak point is quantified in cash terms.
Opportunities
- Nearby offices are returning to higher weekday traffic
- The opportunity is only useful if it improves cash flow without trapping the business in fixed cost.
Threats
- Sales may soften if consumer spending tightens
- External pressure should be treated as a cash-stress trigger, not just a market comment.
Risk Note
F&B outlet should not treat this as a clean yes. Convert the weak point into a measurable guardrail before committing.
Recommended Actions
Turn the weakness into a measurable threshold before proceeding.
Run a downside cash case and decide what action is triggered.
Negotiate terms that reduce fixed commitments or preserve exit flexibility.
SWOT & Risk Note Report
Risk-guardrail report
Proceed only after risk guardrails. F&B outlet should not treat this as a clean yes. Convert the weak point into a measurable guardrail before committing.
Decision summary
What this result says
Risk-guardrail report
Proceed only after risk guardrails. F&B outlet should not treat this as a clean yes. Convert the weak point into a measurable guardrail before committing.
What to do next
Turn the weakness into a measurable threshold before proceeding.
Run a downside cash case and decide what action is triggered.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Turn the weakness into a measurable threshold before proceeding.
Run a downside cash case and decide what action is triggered.
Negotiate terms that reduce fixed commitments or preserve exit flexibility.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Tool 5
Singapore Support Pathfinder
Map business needs to official Singapore support pathways, grant-readiness checks, and document preparation steps.
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Tool 5
Singapore Support Pathfinder
Map business needs to official Singapore support pathways, grant-readiness checks, and document preparation steps.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the monthly checklistTool 5
Singapore Support Pathfinder
Map your situation to official Singapore support pathways and prepare the documents before applying or speaking to an adviser.
CashIntel Support Read
Prepare documents before applying.
Suggested Pathway
Start with GoBusiness and Productivity Solutions Grant style pathways for pre-scoped productivity or digital tools.
Preparation Checklist
Prepare latest ACRA profile, financial statements, bank statements, and CPF/payroll records where relevant.
Write the business problem clearly: what cost, productivity, market, or cashflow issue needs support.
List quotations, project scope, implementation timeline, and expected business impact before applying.
Check official eligibility, sector limits, and claim rules directly on the official portal before committing spend.
Recommended Actions
Shortlist the relevant official pathway and confirm eligibility.
Prepare documents before contacting vendors or signing quotations.
Model the cash impact first because grants may reimburse later, not solve immediate cash pressure.
Singapore Support Report
Grant-readiness report
Retail / F&B / Services is at operating business stage and is looking for productivity or digital solutions support. Start with GoBusiness and Productivity Solutions Grant style pathways for pre-scoped productivity or digital tools.
Decision summary
What this result says
Grant-readiness report
Retail / F&B / Services is at operating business stage and is looking for productivity or digital solutions support. Start with GoBusiness and Productivity Solutions Grant style pathways for pre-scoped productivity or digital tools.
What to do next
Shortlist the relevant official pathway and confirm eligibility.
Prepare documents before contacting vendors or signing quotations.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Shortlist the relevant official pathway and confirm eligibility.
Prepare documents before contacting vendors or signing quotations.
Model the cash impact first because grants may reimburse later, not solve immediate cash pressure.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Tool 6
Saved Reports Center
Review draft reports saved from the toolbench on this device.
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Tool 6
Saved Reports Center
Review draft reports saved from the toolbench on this device.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the monthly checklistTool 6
Saved Reports Center
Review draft reports saved from the business tools on this device. Copy them, email them, or clear them after each decision cycle.
Saved Drafts
0
Local drafts stay on this browser so you can compare scenarios, copy the summary, or come back later before clearing them.
CashIntel Saved Output
No saved drafts yet.
Cash Runway & Breakeven
0No saved drafts for this tool yet.
Business Viability Snapshot
0No saved drafts for this tool yet.
Franchise / Expansion Readiness
0No saved drafts for this tool yet.
SWOT & Risk Notes
0No saved drafts for this tool yet.
Singapore Support Pathfinder
0No saved drafts for this tool yet.
Investment / Payback Decision
0No saved drafts for this tool yet.
Working Capital Gap Planner
0No saved drafts for this tool yet.
Tool 7
Investment / Payback Decision
Test whether a renovation, equipment, marketing, software, or expansion spend pays back fast enough without damaging cash buffer.
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Tool 7
Investment / Payback Decision
Test whether a renovation, equipment, marketing, software, or expansion spend pays back fast enough without damaging cash buffer.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the business cash noteTool 7
Investment / Payback Decision
Test whether a business spend deserves cash. The tool compares payback, 12-month return, stress case, and post-spend buffer before giving a clear cash decision.
Revenue and recurring costs are:
Available cash, protected buffer, and investment amount are one-time balances. Output figures are shown monthly.
Additional recurring cost boxes
Add new ongoing costs created by this investment, such as maintenance, software, extra manpower, delivery, utilities, or marketing.
CashIntel Spend Verdict
Deploy cash with controls.
Payback
6.5 mo
Base case
Stress payback
10.2 mo
-20% revenue case
12M return
85%
Before tax and financing
Post-spend surplus
+$45,000
After protected buffer
Monthly benefit
+$5,400
Added cash contribution
Stress benefit
+$3,420
Downside case
Monthly Benefit Breakdown
Gross benefit
$9,900
Recurring costs
$4,500
Net benefit
$5,400
Decision Read
Outlet renovation can move to controlled approval. Payback is 6.5 mo, stress payback is 10.2 mo, and post-spend surplus is +$45,000.
Risk Flags
No critical red flag from these inputs. Keep approval tied to measured results.
Recommended Actions
Proceed only with a written budget, owner, and monthly measurement target.
Keep the protected cash buffer separate from operating cash after spending.
Set a stop-loss trigger if the expected revenue benefit does not appear within two review cycles.
Investment / Payback Report
Deploy-with-controls report
Outlet renovation can move to controlled approval. Payback is 6.5 mo, stress payback is 10.2 mo, and post-spend surplus is +$45,000.
Decision summary
What this result says
Deploy-with-controls report
Outlet renovation can move to controlled approval. Payback is 6.5 mo, stress payback is 10.2 mo, and post-spend surplus is +$45,000.
What to do next
Proceed only with a written budget, owner, and monthly measurement target.
Keep the protected cash buffer separate from operating cash after spending.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Proceed only with a written budget, owner, and monthly measurement target.
Keep the protected cash buffer separate from operating cash after spending.
Set a stop-loss trigger if the expected revenue benefit does not appear within two review cycles.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Tool 8
Working Capital Gap Planner
Estimate cash trapped in receivables, inventory, and supplier timing before the pressure becomes visible in profit.
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Tool 8
Working Capital Gap Planner
Estimate cash trapped in receivables, inventory, and supplier timing before the pressure becomes visible in profit.
Want the reasoning first? Read the matching Decision Note, then run the tool with your own numbers.
Read the business cash noteTool 8
Working Capital Gap Planner
Estimate how much cash gets trapped between customer collection, inventory holding, and supplier payment terms. This is where profitable SMEs can still feel cash pressure.
Revenue and fixed cash costs are:
Cash on hand, desired buffer, and locked cash items are balances. Collection, inventory, and supplier terms are day assumptions.
Additional locked cash boxes
Add deposits, prepayments, minimum stock commitments, platform reserves, or other cash locked outside daily operations.
CashIntel Working Capital Read
Cash gap can choke growth.
Cash gap
$117,180
Receivables + inventory - suppliers
Stress gap
$159,180
With collection delay
Cash cycle
42 days
Collection + stock - supplier days
Funding shortfall
$67,180
After protected buffer
Gap coverage
0.4x
Usable cash vs cash gap
Monthly burn cover
1.6 mo
Usable cash vs fixed costs
Working Capital Breakdown
Receivables cash
$105,000
Inventory cash
$48,720
Supplier offset
$36,540
Locked cash
$0
Decision Read
F&B supplier is exposed to cash pressure. The cash gap is $117,180, and funding shortfall is $67,180.
Risk Flags
Usable cash does not cover the working capital gap. Shortfall is $67,180.
A slower collection case creates a shortfall of $109,180.
Usable cash covers only 1.6 mo of fixed cash costs after buffer.
The working capital gap is larger than cash available above buffer.
Recommended Actions
Do not chase growth until collection and inventory cash lock-up improves.
Ask for deposits, milestone payments, faster invoicing, or shorter credit terms.
Reduce inventory commitments or secure supplier support before accepting larger orders.
Working Capital Gap Report
Working-capital pressure report
F&B supplier is exposed to cash pressure. The cash gap is $117,180, and funding shortfall is $67,180.
Decision summary
What this result says
Working-capital pressure report
F&B supplier is exposed to cash pressure. The cash gap is $117,180, and funding shortfall is $67,180.
What to do next
Do not chase growth until collection and inventory cash lock-up improves.
Ask for deposits, milestone payments, faster invoicing, or shorter credit terms.
Continue from here
Do not stop at the draft. Open the next logical tool or the matching Decision Note so the result turns into a cleaner decision.
Do not chase growth until collection and inventory cash lock-up improves.
Ask for deposits, milestone payments, faster invoicing, or shorter credit terms.
Reduce inventory commitments or secure supplier support before accepting larger orders.
Share this result
Pass the cleaner decision on.
Send the short result to a co-founder, operator, or finance reviewer before the discussion turns back into spreadsheet noise.
Guardrail
These are decision-support tools, not financial, legal, tax, grant, or credit advice. Official terms and eligibility must always be verified with the relevant source.
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