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A product of Apoyo Integral

Your CFO, one message away.

Let your numbers talk to you. Over WhatsApp: what you have, what you'll have and whether you can afford it.

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CifraApoyo Integral
Monday
Monday cash
Bank balance$412,300
Coming in this week$186,000
Going out this week−$231,500
• Expected payment from Eventos Norte, Thursday: $120,000
• Payroll, Friday: $148,000
Estimated end-of-week cash: $366,800.
One thing pending: Banquetes Sur was due to pay $58,000 last Tuesday.
Thanks. I'll write to Banquetes Sur today.

This is how it reaches your WhatsApp. Illustrative example; messages are in Spanish today.

This is how you decide today.

Cashflow_2026_FINAL_v7 (2).xlsx · Saved by Accounting 3 weeks ago
ABCD
4Sales=Sales!F12=Sales!G12=Sales!H12
5Payroll=-Pay!B7*B9=-Pay!C7*C9#REF!
6Vendors=-SUM(Vend!B:B)=-SUM(Vend!C:C)=-SUM(Vend!D:D)
7Closing cash=B3+B4+B5+B6=B7+C4+C5+C6#REF!
CashflowSalesPayVendAssumptions (old)Sheet3

Every question means rebuilding the file

And only the person who built it understands it.

The numbers arrive late

When you've already filed your taxes and nothing can be done.

Nobody warns you

You find out cash is short on payroll day.

Your numbers tell you three things.

Every Monday

What you have

Your balance as of the last bank statement you send us, what's coming in and the payments due this week.

The 25th

How your month will close

Estimated sales and profit, before it ends. And on the 10th, the monthly report.

When you ask

Whether you can afford it

To hire, buy or pay: your cash for the next 4 weeks and the 13-week trend, with that expense and without it.

And we warn you when we see it coming: if a payment in the coming days takes your cash below your minimum, or if a customer should have paid you already.

How it works.

  1. You send your data

    Your bank statement, every week. Nothing to install.

    Bank statementsInvoicesStripe

  2. The system does the math

    The same way every time, and every figure keeps how it was calculated.

    4-week cash flow and 13-week trendRecurring paymentsMonth close

  3. The team reviews

    No report goes out without review.

    Monday cashPre-closeMonthly report

  4. It reaches you on WhatsApp

    You and whoever you choose, up to three people.

    Every MondayThe 25thThe 10th

↺And when you have a question, you ask on the same WhatsApp.

Ask whether you can afford it.

This is what the answer looks like. Illustrative example: move the sliders.

CifraWorking on your cash flow
Can we afford to hire two salespeople?

With your data as of Friday

BanksSAT invoicesStripe
  • Pulled your bank balances
  • Estimated your 13 weeks of cash
  • Added the two salaries
  • Compared against your minimum
Your cash for the next 13 weeks, with and without the two salespeople. After week 4 it is a trend.

Scenario

Hire two salespeople

Lowest cash—
Cash in week 13, estimated—
Against your minimum—
With the two salespeopleCurrent planYour minimumDotted: trend, weeks 5 to 13

Beyond 4 weeks it is an estimate: it is recalculated every week.

The message alerts you. The dashboard gives you the detail.

Your online dashboard, up to date with your latest bank statement. Illustrative example.

Dashboard · Your businessAs of: Friday
Cash today$412,300
September sales$1,284,000
Gross margin38%
Operating profit$186,400

Your cash over the next 13 weeks

Next 4 weeks: figure · Weeks 5 to 13: trend (estimate) · Gray line: your minimum

Who owes you

Banquetes Surwas due last Tuesday$58,000
Eventos Norteexpected on Thursday$120,000
Hotel Laguna21 days late$34,500

Every figure shows its math.

Estimated end-of-week cash

$366,800 bank balance $412,300
+ expected collections and other inflows $186,000
− going out this week $231,500

Expected collection = invoice date + how long that customer usually takes to pay. If they are new, how long the others take.

The system does the math

The same way every time, from your bank transactions and your invoices.

Our team reviews the report

No report goes out without review.

Read-only

We never move your money.

All you need is your bank statement.

Step 1

Subscribe

Month to month, no minimum term. If it doesn't work for you, cancel with a message.

Step 2

Send your bank statement

Three months from your bank, in Excel or CSV.

Step 3

Get your first Monday cash

With your numbers, reviewed by our team.

Excel or CSV from your bankXML invoicesStripeNothing to install

One plan. One price.

Cifra

$2,900Mexican pesos per month, plus VAT

  • Online dashboard: cash, sales, margin, expenses and profit
  • Monday cash every week
  • Pre-close on the 25th, before the month ends
  • Monthly financial report, reviewed by our team
  • Ask over WhatsApp. Your cash, your month, your collections and whether you can afford it are answered on the spot; everything else, within one business day
  • Budget vs. actual
Get started

Add-ons

+$1,500per additional company, per month, plus VAT

  • Another legal entity on the same subscription
  • Taxes and bookkeeping: handled by Apoyo Integral and quoted separately
Ask about an add-on

Advisory with your CFO

$2,500per hour, plus VAT

  • Fundraising
  • Strategic decisions
  • 5 hours for $11,000
Book an hour

Separate work

Taxes and bookkeeping, with Apoyo Integral. Calls and advisory, by the hour. Fundraising.

What we don't do

We don't move your money or make payments for you. We don't recommend investments. We don't replace your accountant.

No minimum term. Up to 3 people on WhatsApp. Calls are advisory, billed by the hour. Monthly payment by bank transfer, invoiced by Apoyo Integral. Prices in Mexican pesos. Messages, reports and the dashboard are in Spanish today.

Let your numbers talk to you.

contacto@apoyointegral.net · +52 33 1653 3973

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