For Small Business

Simple Cash-Flow Forecasting For Solo Ventures & Dealerships.

Stop guessing if next Tuesday's revenue covers Friday's equipment overhead. See your future cash position before expenses land.

Two worlds, one tool

Whether you run routes or run a lot, the math is the same.

Revenue in, obligations out, visibility forward. Balance On Hand maps your cash position week by week so nothing sneaks up on you.

The Service Provider

Barbers, landscapers, cleaners, mobile detailers, and solo contractors mapping weekly routes against tool loans and fuel costs.

  • Map irregular client payments against fixed weekly costs
  • See which week your tool loan payment overlaps low-revenue days
  • Plan equipment purchases around strong cash weeks
  • No spreadsheet — just income in, bills out, visibility forward

The Independent Asset Vendor

Automotive dealers managing subprime risk portfolios, lot insurance, and recovery agent fees against bi-weekly buyer payment cycles.

  • Forecast lot overhead against incoming buyer payments
  • Spot default-risk weeks before they become repo expenses
  • Align contract payment dates with buyer cash-flow reality
  • Give buyers a free visual tool that protects your asset

Explore the BHPH Dealership Hub →

Why this, not that

Built for real-world operators, not accountants.

No bank logins

Your credentials stay with you. We never connect to your bank, pull transactions, or touch your accounts.

No double-entry accounting

No chart of accounts, no journal entries, no reconciliation. Just income in, expenses out, balance forward.

5-minute setup

Open the app, add your balance, plug in your recurring income and bills. You're forecasting in minutes, not days.

See your cash position before it happens.

Open the app in your browser. No download, no login walls, no credit card. Works on any device.