Cashowa
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Retail and shop premises
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 garden centres really get paid.
Free plan, 10 credits a month, no card required.
Alex M.
hello@norwoodgardencentr.co
Your business at a glance.
Revenue (90d)
$14,961.00
Operating costs (90d)
$8,759.00
Net profit (90d)
$6,202.00
Monthly net
$1,578.00
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 garden centre business means the money never behaves as neatly as the advice suggests. A shop turns cash into stock and hopes to turn it back into more cash. The awkward part is the middle bit, where a good chunk of your money is sitting on shelves doing nothing. A shop can be profitable on paper and completely out of cash at the same time, purely because it bought too well.
Rent and rates do not care how the week went. That fixed base is the thing every retail decision has to clear first, and knowing it as a weekly number changes how you think about quiet Tuesdays.
Margin varies enormously line by line, and gut feel about which lines are good is often wrong. The lines that feel successful are usually the ones that sell fast, which is not the same as the ones that make money.
Money in
$3,400.00
Money out
$1,244.00
Left over
$2,156.00
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 garden centres.
Cashowa totals rent, rates, utilities, insurance and subscriptions into one recurring figure. That is what you have to take before anything is yours.
Last year's monthly chart tells you when the money actually came in. Buying against that is a lot safer than buying against how you remember the year going.
Last year's monthly chart tells you what the fourth quarter actually earned and how much cash you needed in September to fund it. That is a far safer basis for the buy than how you remember the year going.
Switch between monthly, quarterly and yearly to see the pattern.
The fourth quarter carries most independent retail and January is thin. The buying for Christmas happens in autumn, which is the point of maximum cash strain.
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
Tissue paper, Gift boxes will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Tissue paper | 26 | $452.40 | $6.00 | 4 |
| Gift boxes | 46 | $4,934.88 | $36.00 | 4 |
| Carrier bags | 56 | $3,118.08 | $24.00 | 76 |
| Till rolls | 64 | $5,447.68 | $38.00 | 28 |
| Price labels | 58 | $2,969.60 | $20.00 | 57 |
Built around how garden centres work, not around a generic business.
What the fourth quarter really earned, and what it cost to fund.
The number every quiet Tuesday has to clear.
The clearest early warning that you are buying faster than you are selling.
Rent, rates, utilities and insurance grouped so you know what a quiet week really costs.
Small per sale, significant per year, and usually invisible until you look.
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 retail and shop premises categories Cashowa is built for.
See all retail and shop premisesBrowse other use cases
Cashowa also works for
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.