I didn’t start out trying to build software. I’ve spent years working as a CFO and advisor to growing SMEs, and one issue kept appearing again and again — forecasting models that looked right but were structurally broken underneath. Most companies forecast in spreadsheets. That works for a while, but as the business grows things get messy: working capital timing, VAT, payroll, debt, invoice finance, multiple scenarios. Eventually the model stops behaving properly. The balance sheet stops balancing. Cash doesn’t reconcile. Working capital timing breaks. At that point someone usually steps in and “fixes” it manually — plugging retained earnings, overriding formulas, or adjusting the cash line just to make the numbers work again. The forecast still looks believable, but it’s no longer telling the truth. After seeing that happen so many times across different businesses, I started building FinForecast to solve that structural problem. The idea is simple: a forecasting engine designed for SMEs that keeps the three financial statements connected properly — profit & loss, balance sheet, and cash flow — so forecasts stay reliable as the business grows. Right now I’m focused on improving the model logic and learning how founders and finance teams actually use forecasts in real life.

FinForecast Financial Forecasting App

Forecast cash flow, p&l and balance sheet in one model

Forecast cash flow, p&l and balance sheet in one model