Cashowa
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Clothing and accessories
Cashowa reads your statements, categorises everything automatically and shows you the numbers that matter to scarves and wraps sellers. No spreadsheets, no manual tagging, no accounting degree needed.
Free plan, 10 credits a month, no card required.
Alex M.
hello@pembertonscarvesan.co
Your business at a glance.
Revenue (90d)
$16,666.00
Operating costs (90d)
$9,596.00
Net profit (90d)
$7,070.00
Monthly net
$1,921.00
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
If you run a scarves and wraps seller business, you already know the numbers do not sit still. Clothing has a returns problem no other category has to deal with at the same scale. People order two sizes intending to send one back, and every one of those returns costs you the outbound postage, the return postage, the handling and sometimes the item itself if it comes back marked. A twenty percent return rate does not reduce your revenue by twenty percent, it reduces your profit by a great deal more.
Then there is the size curve. You buy a run and the middle sizes sell out in three weeks while the ends sit there for a year. The sold out sizes feel like a success. The leftovers are where your money actually went, and they usually end up discounted to clear.
Buying happens seasons ahead. You are paying for autumn stock in spring, which means the cash goes out long before anything comes back. That gap is the reason clothing sellers who are profitable on paper still run out of money.
Money in
$4,030.00
Money out
$1,281.00
Left over
$2,749.00
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 scarves and wraps.
Last year's monthly chart shows when the money actually arrived rather than when you remember it arriving. Buying against real numbers is considerably safer than buying against optimism.
Take your postage category, your return postage and your refund rate together. That combination is the real cost of returns, and in clothing it is usually a bigger number than the discount you were agonising over.
The products view ranks what sold and what did not over sixty days. Buying against that is a different exercise from buying against what you liked when you picked the range.
Switch between monthly, quarterly and yearly to see the pattern.
The autumn and winter buy is the biggest cash commitment of the year and it happens months before Christmas pays for it. January is clearance and February is usually the quietest month.
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
Starter scarve, Large scarve will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Starter scarve | 56 | $4,341.12 | $34.00 | 4 |
| Large scarve | 34 | $3,098.08 | $34.00 | 0 |
| Premium scarve | 54 | $4,186.08 | $34.00 | 81 |
| Compact scarve | 34 | $4,173.84 | $44.00 | 46 |
| Classic scarve | 24 | $2,959.20 | $45.00 | 42 |
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 scarves and wraps sell, not around a generic business.
See what has not sold in sixty days so you can clear it before it ties up another season of cash.
Add what each item costs you and Cashowa works out gross profit line by line rather than lumping everything together.
Both are per order and both are easy to underestimate until you see the annual figure.
Twelve months of charts so the next buy is based on what happened rather than what you hoped happened.
Refund rate, outbound postage and return postage in one picture.
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 clothing and accessories categories Cashowa is built for.
See all clothing and accessoriesBrowse 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.