cashstream.ai
CashStream
Turn every job into an instant deposit.
Summary
CashStream is a cash flow automation platform for bookkeepers managing multiple trades businesses. It uses AI to predict payment delays, automates invoice reminders via SMS/email, and includes QR codes on invoices for one-tap payment, turning the end-of-month scramble into a steady cash stream.
Target Audience
Community-run bookkeepers who manage 5-50 trades businesses (electricians, plumbers, HVAC contractors), typically using spreadsheets and WhatsApp to coordinate payments.
Economic Engine
Usage-based pricing: $0.50 per invoice processed (includes automated reminders and payment links), plus a 0.5% fee on payments collected through the platform. For bookkeepers managing a portfolio, a flat monthly fee per client (e.g., $20/client/month) for up to 50 invoices.
Point of Difference
Unlike generic invoicing tools, CashStream is designed specifically for the trades industry's project-based billing, uses AI to predict which invoices need urgent attention, and integrates a physical QR code on printed invoices for immediate mobile payment.
Problem Statement
Trades businesses (plumbers, electricians, HVAC) often face cash flow instability due to slow invoice payments, forcing owners to chase payments manually. Their bookkeepers rely on spreadsheets and WhatsApp to track what's owed, leading to missed follow-ups and delayed revenue.
Solution
API platform integrating with QuickBooks/Xero for invoice data, payment gateways (Stripe, Square) for collection, and Twilio for communications. Case management system organizes each invoice with status and automated workflows. Computer vision scans job completion photos to auto-generate invoices. Contract intelligence extracts net terms and late fees. Predictive model scores payment risk. QR codes printed on invoices allow instant payment via mobile.
Core Value Proposition
Bookkeepers can reduce average payment time from 45 days to 7 days without manual chasing, increasing client cash flow by 30% and reducing their own workload by 10 hours per week.
Killer Features
- Late-Pay Predictor: scores each invoice and highlights risky ones before they become overdue
- Job-to-Invoice button: bookkeeper snaps a photo of a completed job, computer vision recognizes work and generates an invoice instantly
- QR Pay Tag: printed on invoices, when scanned opens a payment page with exact amount and client details pre-filled
- Auto-Pilot Mode: for recurring maintenance contracts, automatically sends invoices and payment links on schedule with no manual input
Pros
- Dramatically reduces days sales outstanding
- Automates the most painful part of bookkeeping
- Works with existing accounting software
- Easy for end clients to pay via QR code
- Provides predictive insights to prioritize follow-ups
Cons
- Requires integration with client's accounting software which may have friction
- QR code payment requires client to have a smartphone
- Predictive model accuracy depends on data volume
- Bookkeepers may need to train trades clients to use QR code
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