Headroom

What cash is coming, what is going out, and what the organisation is paying for without noticing.

The problem

The software bill went up again. Nobody knows who uses half the tools, one contract renewed itself for another year last week, and the board wants to know if the business can afford two more hires.

Who it is for

Any organisation with a finance lead or an owner who watches the money: SMEs, charities, agencies, schools, practices.

What it does

• A 13-week cash forecast built from invoices, bills, payroll, VAT and loan dates.
• Scenarios: see the effect of losing a client, hiring two people or a late payment before it happens.
• Spend audit: every subscription and recurring supplier, with an owner, seats paid for against seats used, duplicates and price rises.
• Renewal radar: notice periods and auto-renewals flagged well before the deadline.
• Money owed: who is late, and what it does to cash.
• A one-page board view each month, which can drop straight into a Quorum pack.

Why it is different

Forecasting tools and spend tools are sold separately. Headroom puts what is coming in next to what is being wasted, so savings show up in the forecast the same day. Financial data stays in the client's own system.

AI and automation

AI sorts every transaction and subscription, spots unused seats, duplicate tools and price rises, and reads contracts to pull out notice periods and renewal dates. It explains forecast changes in plain English, such as why cash dips in week seven, and answers questions like whether two hires in March are affordable by running the scenario. The forecast refreshes daily from accounting links, renewal alerts go out on their own, and the monthly board page builds itself.

First release

Forecast from an accounting export, a subscription register and renewal alerts.

Good to know

Headroom is a planning tool, not financial advice.