Overview

Dashboard

Cash Flow Table

10.x Features

10.2 Mobile Money

10.3 FX Stress Test

10.4 Multi-Entity

10.5 Seasonal Curves

10.6 USSD Summary

10.7 Scenarios

10.8 Runway Meter

10.9 SME Cash Tips

Cash Forecast

Mobile Money · FX Stress · Multi-Entity · Seasonal Curves · USSD · Runway · SME Tips

6-Month Cash Flow Projection

Inflows

Outflows

Net Position

Cash Waterfall — Next 30 Days

Cash Flow Projection Table

Direct method · All entities consolidated · FX translated at selected rate

10.2 Mobile Money Cash Flows

M-Pesa · MTN MoMo · Airtel Money · Orange Money · Wave — projected inflows, outflows, and GL reconciliation status

Mobile Money Position — March 2026

Auto-reconciled via API

30-Day Mobile Money Projection

10.3 FX Stress Test

Model NGN, KES, UGX, GHS depreciation scenarios — impact on consolidated USD cash position

Parallel Market vs Central Bank — Impact Analysis

Stress Test — Cash Position Under Each Scenario

10.4 Multi-Entity Cash Consolidation

Intercompany eliminations · FX translation · Pooling · Cash concentration

Intercompany Cash Flows — Eliminate Before Consolidation

Cash Concentration — Notional Pooling

10.5 Seasonal Cash Curves

Coffee harvest (Oct–Jan) · Cocoa season (Oct–Mar) · Maize planting (Mar) · Ramadan retail · December holiday surge

12-Month Seasonal Cash Pattern

Seasonal Events Calendar

10.6 USSD Cash Summary

Feature phone accessible · Dial *384*1# on any mobile network · Works without internet

USSD Menu Tree

*384*1# — NovaLedger Cash

1. Cash Balance (All Accounts)

2. Today's Cash In/Out

3. 30-Day Forecast Summary

4. Low Cash Alert Status

5. M-Pesa Balance

6. Runway (months remaining)

0. Exit

SMS Alert Rules

Cash below $10,000 🔴 CRITICAL SMS

Cash below $25,000 🟡 WARNING SMS

Large inflow > $50,000 🟢 INFO SMS

Daily 8AM summary 📱 DAILY SMS

Live USSD Preview

NovaLedger · *384*1#

10.7 Cash Flow Scenarios

Base case · Best case · Worst case · Custom — model revenue delays, FX shocks, and expense spikes

Scenario Builder

Scenario Comparison — 6-Month Cash Position

10.8 Cash Runway Meter

How many months can the business survive at current burn rate? Critical for fundraising and survival planning.

Runway by Entity

Burn Rate Analysis

10.9 SME Cash Flow Optimization

Practical cash flow improvement tactics for African and emerging market SMEs

Recommended Actions

Est. impact: +$38,400/month