TrueForecast projects revenue, demand, marketing, cash, profit, expense and tax liability forward from settled deposits — and back-tests every projection against what actually landed, so you commit with the band and the confidence in front of you.
Committed outgoings in the windowPayroll, suppliers, fees and tax already dated−$274,000Connects to every store, processor and account your cash moves through
Amazon AdsWalmart ConnectShopifyStripePayPalKKlaviyo
PlaidMost forecasts push gross sales forward and hope. Truence starts from settled deposits, removes everything that never becomes cash, dates what is left, and hands you a figure you can sign a purchase order against today.
Marketplace settlement timingAmazon pays on a 14-day period, not on order date−$41,400
Agent orders still in reserveScored and held until the deposit actually clears−$21,300Above a cash floor of $186,400 dated Day 72, held at 94% confidence, with the band $1,080k — $1,400k published beside it.
Six stations, six dates. The line narrows every time money leaves, so the distance between what a platform claims and what you can actually commit is something you can see rather than take on trust.
See what arrives, date what is already committed, find the floor underneath both, then commit with the headroom named in dollars.
Every horizon carries a midpoint and a low-to-high band, because a single number would be pretending. The band is built from how your own money has actually behaved.
Reading this screen: the green line is the projected midpoint, the shaded band is the honest spread, and both are built only from deposits that already cleared.
Order placed, payment captured, payout batched, bank deposit — with the value sitting at each stage and the processor rhythm behind it.
Amazon14-day period$208,500Reading this screen: every dollar between the sale and the bank, stage by stage, so you know what is actually on its way.
Each date carries the money already captured or batched behind it, and the confidence Truence attaches to the date itself rather than to the month.
Amazon settlementwindow opens$38,900HighAmazon settlementperiod close$33,600HighReading this screen: cash by the day it is expected to land, dated from your own settlement history.
Payroll, supplier terms, ad spend, processor reserve, tax set-aside and financing are read from your own accounts and dated on the same timeline as your deposits.
Reading this screen: everything already committed, dated against arrival, so the net movement is honest.
Truence models seasonality on deposits you have already banked, including the weeks when clearing slows down and the refund wave that follows a peak.
Reading this screen: your own peak learned from settled cycles, including the days clearing slows down.
Truence names the floor, the date it happens, and how much headroom sits above it — measured on settled burn rather than a budgeted one.
Reading this screen: the lowest point of the next ninety days, the date it happens, and how much headroom sits above it.
Triggers watch the arrival dates, the refund rate, the spend and the agent reserve. When the floor changes, Truence names the single reason it changed.
Truence restates the floor whenever money clears, an obligation is dated, or a processor pays off its usual rhythm — and it names the single reason the number moved.
Reading this screen: the triggers watching your floor, and the one reason the number moved today.
Scale hard, hold steady, buy deeper or do all three — each scenario returns the floor it leaves behind and the confidence behind that floor.
Reading this screen: four real decisions priced against the same confirmed cash, with the floor each one leaves behind.
Inventory, supplier deposits, freight and hires are checked against arriving cash, so the commitment goes in ahead of the stockout instead of behind it.
Arriving deposits cover the deposit and the freight before the floor date, so the reorder lands ahead of the stockout instead of behind it.
Reading this screen: what you can sign today and when to send it, with the floor after every commitment.
The range is drawn from settled history, the trigger metric is named, and the verdict is restated the day the reading crosses the threshold.
The trigger is named, the threshold is published, and the reading is live. When the reading crosses the threshold, Truence restates the verdict the same day.
Reading this screen: how much more you can commit this month without touching the floor, and the trigger behind the verdict.
Inventory, pipeline and reserve are measured as working capital with a real conversion cycle, so a term change is priced against the floor before a facility ever is.
Every facility is modelled against arriving cash: the draw, the repayment dates and the floor it leaves behind. A line you do not need is named as clearly as one you do.
Reading this screen: what your cash is tied up in, when it returns, and whether a facility is worth drawing.
Orders from ChatGPT, Gemini, Copilot and Claude checkouts are scored, reserved, and only enter the arriving-cash band once the money has actually settled.
ChatGPT checkoutRisk scored · reserve held 7 days$14,280High
Gemini shoppingReserve releasing Day 26$7,410High
Copilot commerceBank settled, matched$5,460High
Claude commerceNew channel · learning$2,180MediumReading this screen: agent-channel orders scored and reserved, entering the forecast only when they clear.
Each entity keeps its own floor in its own currency, consolidated at the rate each deposit actually converted at rather than a month-end average.
Reading this screen: each entity and currency on its own floor, consolidated into one group figure.
Each model publishes its own score against settled history, and when a case has too little history Truence holds the call and names the reason instead of guessing.
Reading this screen: the confidence behind every model, and the cases Truence refuses to project.
Truence keeps the bands it published and scores them when the money clears, so accuracy is something you can audit rather than something we claim.
Reading this screen: every band Truence published, graded against the deposit that landed afterwards.
Settled revenue, landed cost of goods, marketing, payroll, fees and overhead are each projected forward on their own rhythm, so the profit line is dated the same way the cash line is.
Reading this screen: revenue, cost of goods, marketing, payroll and overhead projected forward on settled cash, line by line.
Sales tax, VAT, estimated income tax and payroll tax are accrued on settled cash and dated to the filing that pays them, so the safe-to-commit figure is already net of the taxman.
Every liability is dated to the filing that pays it, so the safe-to-commit figure is what remains after the taxman, not before him. No quarter-end surprise, no clawing money back out of inventory.
Reading this screen: every liability dated to the filing that pays it, held back before anything is called safe to commit.
Spreadsheets project what you type. Planning tools extrapolate the ledger. Truence learns how long your money actually takes to clear, removes everything that never becomes cash, and publishes the band and the confidence beside every number it gives you.
One store or five entities — Truence reads what settled and publishes one arriving-cash figure with the confidence on it.
Connect Shopify, Stripe and your bank and the first arriving-cash band publishes the same day, with eighteen months of settled history behind it.
Every channel settles on a different rhythm. Truence learns each one and folds them into a single arriving-cash figure with one confidence score.
Entity-level floors, multi-currency deposits, and one runway figure your board, your lender and your finance team all read the same way.
No forecasting project and no spreadsheet migration. Connect the stores and accounts you already run and Truence reads eighteen months of settled cash back the same day.
Truence partners with Plaid and AWS, so the connection is permissioned and the data is protected from the first minute.
Your bank connection is permissioned and read-onlyTruence connects through Plaid, the same infrastructure your bank already trusts. You grant the permission, you can revoke it in one click, and Truence can only read. It never moves money and never writes to your accounts.
Everything Truence reads is encrypted in transit and at rest on AWS, isolated per business, with access logged. A DPA and a security review are available whenever you want them.
Truence reads Shopify, Amazon and Stripe through their official APIs. Nothing changes in how you sell, how you get paid, or how your accounting is set up.
When the cash arriving is confirmed and the floor is named, planning stops being a debate about assumptions. You commit to inventory a week early, sign the longer supplier term, and take the growth you were holding back from — with a number your bank already stands behind.
Everyone deciding what to commit this month, and how far the cash will stretch.
Everyone who has to defend a runway figure with the working shown behind it.
Everyone who needs a forecast anchored to settled deposits before they commit capital.
Three approaches, three sources. Every line names where the number comes from.
Reads the bank. Every projection is built from deposits that already cleared, and every line carries its confidence.Every question a founder asks before they plan against a number.
Connect your stores, processors and bank. Your first arriving-cash band and your cash floor publish the same day.