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For business owners
An AI analyst that finds the leaks — and reminds itself to look again every 90 days.
Cashowa audits your operations, your financials, and your website — then keeps doing it on a schedule. Quarterly Business Reviews run automatically and tell you what changed since last time.
See it in action
Toggle between a fast Quick analysis and a full Analyst Pro engagement on any business you add.
Quick analysis
Plain-language for side hustles and small businesses: profit leaks with the dollar impact, quick wins for this week, growth ideas, and a website audit.
Analyst Pro
A full, document-driven engagement: upload your numbers and get requirements, process maps, forecasts, a costed business case, and ready-to-paste website fixes.
Two ways to use it
Start with a fast, plain-language analysis. Step up to Analyst Pro when you want a full, document-driven engagement.
Quick analysis
For side hustles, Shopify stores, and small businesses. A jargon-free review of your business in minutes — no documents needed.
- ✓Quick wins you can do this week
- ✓Where money is leaking — with a $ estimate
- ✓Concrete growth ideas
- ✓30 / 60 / 90-day to-dos scored by impact × effort
- ✓Website SEO, conversion & trust audit
Analyst Pro
Senior / CBAP-gradeUpload your financials, data exports, and process docs. The analyst reads them, runs the real numbers, and produces consultant-grade deliverables on demand.
- ✓Business Requirements Doc (BRD) + user stories
- ✓As-is / to-be process maps, RACI, SIPOC
- ✓Data analysis & forecasts from your own data
- ✓Strategy, SWOT & a costed business case with ROI
- ✓Stakeholder analysis & communication plan
- ✓Ready-to-apply website fixes (paste & go)
How an audit works
Three steps. Five minutes. Real numbers.
- 1
Tell Cashowa about your business
Industry, stage, monthly revenue and costs, your goals, your acquisition channels. A paragraph of context goes a long way.
- 2
Add your website (optional)
Drop a URL and Cashowa crawls your sitemap, fetches a sample of pages, and runs SEO + conversion + trust signals on each.
- 3
Get a structured report
Financial leaks, ops to fix, acquisition channels working vs leaking, prioritised to-dos by horizon, plus risks. Every number is computed and inspectable.
What gets analysed
Five lenses, all in one report.
Financials
Gross margin, runway, unit economics. Cashowa flags anything off — like negative margin lines or bloated overhead.
Leaks
Subscriptions you forgot, channels with high cost-per-acquisition, pricing anomalies, refund spikes — all listed with a fix.
Acquisition
Channels labelled 'working', 'leaking', or 'untested', so you know where to double-down and where to cut.
SEO
Title tags, meta descriptions, structure, internal linking, technical issues. Severity-rated and actionable.
Conversion
Above-the-fold messaging, social proof, friction in CTAs, missing trust signals. Heuristics from real teardowns.
Trust
Privacy and contact info, brand consistency, testimonials, secure transport — the things buyers check before clicking buy.
Set it and forget it: Quarterly Business Reviews
The audit you keep meaning to run? Cashowa runs it for you — automatically — and writes the comparison narrative.
Re-audit every 90 days. Automatically.
Toggle QBR on for any business. Cashowa picks the most overdue one each day, runs a fresh audit (with the website crawl if you have a URL), and writes a quarter-over-quarter comparison: what improved, what slipped, and what needs urgent attention. You wake up to a finished report instead of a calendar reminder you keep snoozing.
Included on Starter and Pro plans. Free users can still run audits manually.
- Numeric deltas — gross margin %, channel performance shifts, audit-score changes.
- Plain-English narrative — what improved, what got worse, what to do about it.
- Auto-disables on downgrade — no surprise credit drain if you ever switch back to Free.
- Stored in your account — every past QBR stays browsable. Build a longitudinal view of your business.
Cut your operating bills, too
Cashowa isn't just analysis — it acts. Two tools that pay for themselves on the first run.
Negotiate vendor bills
Your internet, your business phone line, your SaaS subscriptions. Cashowa researches the provider, finds 2–3 cheaper competitors live, drafts a retention call script, and writes the cancellation email. You execute — or just paste.
Find zombie subscriptions
Upload your business bank CSV. Cashowa flags every recurring charge, classifies the cadence, and surfaces 'stale' ones — trials that auto-renewed, services you forgot you signed up for, vendors who quietly raised prices.
Who runs audits with Cashowa
Indie founders
Solo SaaS, niche shops, bootstrapped startups looking for the next 10% of growth.
Operators
COOs and ops leads who want a fast, structured second opinion on the business.
Agencies
Run audits on prospect sites before pitches. The website report doubles as a deliverable.
Investors / advisors
Get a structured read on a portfolio business in minutes instead of hours.
Cashowa vs hiring an analyst
Cashowa
A consultant or analyst
- Costs 75 credits (~$15) per full audit$500–$5,000 per engagement
- Returns the report in minutesDays to weeks
- Re-runs whenever you change the inputsPay again for each round
- Numbers are computed and inspectableNumbers from the consultant's spreadsheet — trust them
- Available 24/7Calendar tetris
Not a replacement for human strategy on bet-the-company decisions — but plenty for the everyday improvements you should be making this quarter.
Frequently asked
What kind of website can it audit?
Any public site reachable by HTTP. The crawler is HTTP-only — sites that need a full headless browser to render content (heavy SPAs without server-side rendering) return less detail. We flag this in the report when we see it.
How accurate are the financial numbers?
As accurate as the inputs you give us. Cashowa runs the math on the figures in your business profile — if you say $20k monthly revenue, that's the basis. For numbers that need transactions (e.g., real expense breakdowns), upload a CSV in Cash Flow first.
Can I export the report?
Yes. Every saved audit has a Download PDF button — branded, paginated, ready to share with your accountant or co-founder. A full JSON export of your whole account is also available in Settings → Export.
How often should I re-run an audit?
Toggle on Quarterly Business Review and Cashowa handles it — re-audits every 90 days, automatically, with a comparison narrative. Or re-run manually any time you make a real change (new pricing, new channel, redesigned landing page). The credit cost is small (75 with a site, 30 without) so iteration is cheap.
What's in the quarter-over-quarter narrative?
Numeric deltas (gross margin %, channel shifts, audit-score changes) plus a plain-English read of what improved, what slipped, and what needs urgent attention. It anchors to your most recent prior audit, so the second QBR is when comparison starts.
Can Cashowa actually negotiate my bills for me?
It drafts the work — researches your provider and live competitors, writes a retention call script, and drafts the cancellation/negotiation email. You either paste & send, or follow the script on the call. We don't place calls or send emails on your behalf — you keep control of the relationship.
Why owners run audits here
A handful of the early users who put Cashowa on real businesses.
I asked it to find leaks in my agency and it pointed at three things I'd been ignoring for months. The audit took five minutes — and I could click every number to see how it got there.
Marcus T.
Agency owner
Finally a money app that shows me where the numbers come from. I click any figure in the chat and the math expands. Nothing feels hand-wavy.
Ada O.
Software engineer
I used to avoid looking at my bank statements. Now I upload a CSV once a month and Cashowa just tells me what changed and where I'm leaking.
Priya R.
Project manager
It built me a 5-year plan to buy my first place. The action steps were specific — not 'save more', actual amounts and dates tied to my real income.
Daniel L.
Product designer
The website audit on top of the business analyst is the unfair advantage. It flagged four conversion issues my agency had missed.
Sandra K.
Founder, e-commerce
I asked about my freelance taxes for last quarter. It pulled the right numbers from my uploaded CSVs and gave me an honest answer — with the calculation right there.
Jaime V.
Freelance writer
Audit your business this afternoon
10 free credits — enough to run a no-website audit and see if the report's worth your time.