Cashowa
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Food, hospitality and lifestyle
Cashowa turns your bank statements into a clear picture of the business. Made for coffee shops, and for the specific way money moves in this trade.
Free plan, 10 credits a month, no card required.
Alex M.
hello@draytoncoffee.co
Your business at a glance.
Revenue (90d)
$14,762.00
Operating costs (90d)
$8,693.00
Net profit (90d)
$6,069.00
Monthly net
$1,524.00
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
Running a coffee shop business means the money never behaves as neatly as the advice suggests. Food businesses run on a percentage, not a number. What matters is not that you spent four thousand on stock, it is that stock was thirty two percent of what you took. Two percentage points either way is the difference between a good year and a year where you worked incredibly hard for nothing.
Waste is the cost nobody sees, because it does not appear anywhere. It looks exactly like food you sold, right up until you compare what you bought with what you took. The gap is the story.
Delivery platforms changed the shape of this business completely. A thirty percent commission on a dish priced for eat in is not a small dent, it is often the entire margin. Seeing platform payouts separately from till takings is the only way to know whether that channel is actually earning you anything.
Money in
$4,978.00
Money out
$1,459.00
Left over
$3,519.00
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 coffee shops.
Platform payouts arrive net of commission. Categorise them separately from card takings and you can compare what a delivery order actually nets against an eat in one.
Trade swings hard with weather, school holidays and local events. A monthly chart shows the pattern clearly enough to staff and order against it rather than guessing.
Put takings before and after a price change against covers or transaction counts. If takings rose and volume fell by more, the rise cost you. It is a comparison almost nobody does and it takes two minutes here.
Switch between monthly, quarterly and yearly to see the pattern.
December is enormous for most hospitality and January is brutal. Summer depends entirely on whether you are somewhere people go when the sun is out.
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.
If you hold stock or materials, Cashowa tracks what you have, what it cost and what is running low. Enter a count once and it counts down as things get used, so you are not retyping numbers every week.
Add a lead time and it warns you before something runs out, rather than after.
Reorder now
Takeaway boxes, Cooking oil will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Takeaway boxes | 44 | $2,027.52 | $18.00 | 2 |
| Cooking oil | 18 | $1,077.12 | $22.00 | 4 |
| Napkins | 22 | $1,613.92 | $28.00 | 69 |
| Coffee beans | 8 | $508.48 | $28.00 | 27 |
| Flour sacks | 28 | $891.80 | $13.00 | 22 |
Built around how coffee shops work, not around a generic business.
What did I spend with the butcher last quarter. Answer comes back with the transactions behind it.
The cost that has moved most in hospitality, tracked properly.
The second ratio that decides whether the business works.
Did the increase hold, or did volume fall further than the price rose?
The number that runs the business, updated every time you upload a statement.
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 food, hospitality and lifestyle categories Cashowa is built for.
See all food, hospitality and lifestyleBrowse 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.