Cashowa
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General merchandise and mixed retail
Upload a bank statement and Cashowa sorts every line, works out what is actually making you money, and answers questions about your own numbers in plain English. Built for the way boats sellers really get paid.
Free plan, 10 credits a month, no card required.
Alex M.
hello@willowboats.co
Your business at a glance.
Revenue (90d)
$14,864.00
Operating costs (90d)
$9,547.00
Net profit (90d)
$5,317.00
Monthly net
$1,817.00
Average of closed months
Cash flow
Money in and out, last 12 months
Top costs
Biggest expense categories, last 90 days
Top suppliers
Where the money went, last 90 days
The money side of boats sellers is rarely as tidy as the accounting software assumes. Carrying a wide range is a reasonable strategy and it creates a specific problem, which is that averages stop meaning anything. When you sell across many different types of product, your overall margin is a blend of things that are doing very well and things that are quietly losing money, and the blend hides both.
Cash gets spread thin. A little money in a lot of lines feels safer than a lot of money in a few, but it makes each line harder to judge and makes the total tied up in stock surprisingly large.
Because the range is broad, seasonality gets muddled too. Different parts of the range peak at different times, so the overall chart looks flatter than any individual line actually is, which makes planning harder rather than easier.
Money in
$5,307.00
Money out
$1,537.00
Left over
$3,770.00
Where the money went
Upload a statement and Cashowa does the sorting. Free to start, no card needed.
Three situations that come up constantly in boats.
Slow movers plus thin margin lines gives you a defensible list of what to drop. Narrowing usually improves cash position more than adding lines improves revenue.
A broad range flattens the overall chart. Looking at categories separately usually reveals sharp seasonal patterns the total was hiding.
Enter unit costs and Cashowa reports profit per product rather than one blended figure. In a broad range that is the only way to find out which parts are actually carrying the business.
Switch between monthly, quarterly and yearly to see the pattern.
Usually a fourth quarter lift, though a broad range tends to flatten the overall picture even when individual lines are highly seasonal.
Upload twelve months and the pattern stops being something you half remember. You can switch between monthly, quarterly and yearly, which matters when income arrives in lumps and a single month tells you very little.
Import your sales file and Cashowa works out profit per product, what is selling, and what has not moved in sixty days. Enter what each item costs you once and the margins stop being guesswork.
Add a lead time and it warns you before something runs out, rather than after.
Reorder now
Mini boat, Deluxe boat will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Mini boat | 13 | $411.32 | $14.00 | 0 |
| Deluxe boat | 14 | $1,375.92 | $42.00 | 0 |
| Starter boat | 22 | $1,702.80 | $30.00 | 73 |
| Large boat | 30 | $1,096.20 | $14.00 | 72 |
| Premium boat | 54 | $945.00 | $7.00 | 54 |
Import an order export and Cashowa works these out on its own.
Net revenue
$18,420
after refunds
Gross profit
$7,905
after unit costs
Average order
$46.10
Repeat buyers
31.4%
of customers
Refund rate
4.2%
Lifetime value
$92.30
per customer
Built around how boats sell, not around a generic business.
Which matters when the range spans light and heavy goods.
To find the seasonality the overall chart is hiding.
Ranked by margin, not just by sales.
Slow and thin, together.
By looking at categories rather than the total.
These get recognised and sorted on their own when they turn up on your statement. If something specific to your setup gets filed wrongly, you fix it once and it sticks.
Export a statement, upload it, and the categorising happens on its own.
The things worth knowing before you sign up.
Other general merchandise and mixed retail categories Cashowa is built for.
See all general merchandise and mixed retailBrowse other use cases
No bank login
You upload a statement. Cashowa never asks for your banking credentials.
No card to start
The free plan gives you credits every month without payment details.
CSV or PDF
Whatever your bank exports. No special format needed.
Your data stays yours
Stored against your account only, and you can delete it whenever.
Cashowa reads your statements and tells you straight. Free plan, no card required.