Cashowa
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Clothing and accessories
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 tools and accessories sellers really get paid.
Free plan, 10 credits a month, no card required.
Alex M.
hello@sterlingtoolsand.co
Your business at a glance.
Revenue (90d)
$12,568.00
Operating costs (90d)
$7,595.00
Net profit (90d)
$4,973.00
Monthly net
$1,418.00
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
Money in a tools and accessories seller business has a shape of its own, and most tools ignore it. 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
$4,786.00
Money out
$1,601.00
Left over
$3,185.00
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 tools and accessories.
Upload your sales file and Cashowa works out your refund rate as a percentage of orders. Set that against your postage and platform fee categories and you can see what returns take out of the business rather than guessing at it.
The products area shows what has sold in the last sixty days and what has not moved at all. In clothing that list is usually longer than people expect and it is the first place to look for trapped cash.
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.
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
Large tool, Premium tool will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Large tool | 32 | $2,670.72 | $39.00 | 3 |
| Premium tool | 39 | $994.50 | $10.00 | 4 |
| Compact tool | 10 | $737.80 | $31.00 | 13 |
| Classic tool | 51 | $2,006.34 | $14.00 | 29 |
| Everyday tool | 34 | $2,726.46 | $27.00 | 40 |
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 tools and accessories sell, not around a generic business.
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.
What sold, what did not, and what is still sitting there after two months.
Basket size against postage cost, before and after.
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.
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.