Free AI Small Business Financial Analysis & Forecast Tool

⚡ Quick Start — Upload Your Data

Upload a CSV file to auto-fill all fields instantly. Or fill in the form below manually.

📂

Drop your CSV here or click to browse

Supports QuickBooks, Wave, Xero exports
or use our template below

or fill in manually

Tell us about your business

We match you to similar companies in our dataset to give you relevant benchmarks and comparisons.

Business name (optional)

What type of business do you run?

How many people work in your business?

Which state?

How long have you been in business?

Legal structure

Which of these apply to you?

Have an accountant / bookkeeper Use accounting software Have an SBA loan Accept Medicaid / Medicare Immigrant-owned business

Takes about 3 minutes

Money coming into your business

Round numbers are perfectly fine — we need the big picture, not exact figures.

Average monthly revenue (total sales)

$

Total money customers pay you, before any expenses.

Cash in your business bank account right now

$

Money you could spend today if you needed to.

How has revenue changed vs. last year?

Does your business have busy / slow seasons?

What it costs to run your business

Think about what you spent last month. Estimates are fine.

Monthly payroll (you + your team)

$

Include your own salary or owner's draw.

Monthly cost of products / materials

$

Inventory, raw materials, wholesale goods. Put $0 for service businesses.

Monthly rent for your business location

$

Other monthly costs (utilities, insurance, software, marketing)

$

Do you have business loans or credit lines?

Monthly loan payment

$

Total loan balance outstanding

$

Business credit score (if you know it)

How confident are you managing your business finances? 5 / 10

Not confidentVery confident

Be honest — this helps us give you the right depth of explanation.

Your most important question or concern (optional)

Your Business Forecast

📈 12-Month Revenue Forecast

Based on your growth trend and seasonal patterns.

🎯 Business Health Radar

You vs. industry average from our dataset.

About ClaritySMEFinance: Analysis uses benchmarks from 30,000 SME records and live economic data via FRED® API. Educational guidance only — not professional financial advice. Consult a licensed advisor for major decisions. Free resources: SBA.gov · SCORE.org · CFPB.gov
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

📋 Trailing 12-Month Cash Flow Forecast

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✏️

Please review and edit this forecast before use. The figures below are auto-generated from the numbers you entered in Steps 2 and 3. They are a starting point, not a final statement. Adjust any line item by clicking on it directly — the totals and cash balance recalculate instantly. In particular, review: revenue figures for seasonality, expense categories that may not apply to your business, and the assumptions panel above. Do not rely on this forecast without first tailoring it to your actual situation.

⚙️ Forecast Assumptions — Adjust to match your plans, table recalculates instantly

Revenue Growth/mo %

Payroll Growth/mo %

Cost Inflation/mo %

Opening Cash Balance $

Tax & Owner Draw %

📝 Notes & Key Observations

Click any number in the table to edit it. Changes recalculate all totals and the closing cash balance instantly. Negative values show in red with parentheses ( ). Export to CSV opens in Excel or Google Sheets.

🤝 Help us improve ClaritySMEFinance

Scroll down to rate your experience — it takes 60 seconds and shapes what we build next for entrepreneurs like you.

🤝

Help us understand you.

Every small and medium-sized business deserves the same powerful financial tools, forecasting intelligence, and strategic clarity that large enterprises use to stay competitive. ClaritySMEFinance is built to level that playing field — and your experience tells us how well we are delivering.

Rate each section and share a thought. It takes 60 seconds and shapes what we build next for entrepreneurs like you. Everything is optional.

📍 Business Forecast

How useful were the health assessment, benchmark comparisons, and action steps?

Tap to rate

📋 Cash Flow Forecast

How useful was the 12-month cash flow table, assumptions panel, and CSV export?

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🔍 Fraud Risk Assessment

How useful were the fraud risk flags and protective action recommendations?

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💡 What would make ClaritySMEFinance more useful for you? (optional)

📧 May we follow up with you? (optional)

Leave your email if you would like us to respond or notify you of new features. Never shared or used for marketing.

✅

Thank you — this genuinely helps.

Every response shapes what ClaritySMEFinance becomes next.
If you left your email, we will be in touch within a few days.

Know another small business owner who could benefit? Share ClaritySMEFinance with them. It is free.

Your business forecast,
grounded in real data.

Your Business Forecast

Would you like a Payment Fraud Risk Assessment?

🔍 Payment Fraud Risk Assessment

Would you like a Trailing 12-Month Cash Flow Forecast?

📋 Trailing 12-Month Cash Flow Forecast

Help us understand you.

Thank you — this genuinely helps.

Your business forecast,grounded in real data.

Your Business Forecast

Would you like a Payment Fraud Risk Assessment?

🔍 Payment Fraud Risk Assessment

Would you like a Trailing 12-Month Cash Flow Forecast?

📋 Trailing 12-Month Cash Flow Forecast

Help us understand you.

Thank you — this genuinely helps.

📊 Help improve small business tools

Your business forecast,
grounded in real data.