Commons
Commons interactive finance tools
Thirteen interactive finance tools for UK small businesses: cash flow, working capital, valuation, CAC and LTV, KPIs, director’s loan accounts, year-end planning and more.
Estimates and drafts to help you think, not financial, tax or legal advice. Check anything that matters with your accountant.
All 13 tools
- 13-week cash flow forecasterA weekly cash forecast over 13 weeks that shows your lowest cash position, the week it lands in, and whether the outlook is healthy, watch or critical.
- Working capital health checkWorking capital, current and quick ratios, debtor, creditor and stock days and the cash conversion cycle, graded against sector norms.
- Business valuation toolAn indicative valuation range from revenue, profit and net assets, adjusted for recurring revenue, customer concentration, trading history and growth.
- CAC and LTV calculatorCustomer acquisition cost, customer lifetime value, the LTV to CAC ratio and payback period, set against sector benchmarks.
- KPI dashboard builderTurns one month of figures into a one-page dashboard with commentary and a short list of priority actions.
- Director’s loan account trackerLogs money drawn out and paid in, then shows the closing balance, peak debt, and an estimated s455 charge and benefit-in-kind flag.
- Tax year-end planningA checklist of year-end actions with a countdown to 5 April and a running count of what is done and what is left.
- Accounts preparation packProfit and loss, balance sheet and cash flow in one pack, with a corporation tax estimate and a plain-text accounts export.
- Invoice chase trackerA ledger of unpaid invoices showing age, status and the next chase step, with outstanding, overdue and average days-to-pay totals.
- Invoice generatorBuild a printable invoice with line items and VAT.
- Finance proposal templateDrafts a finance proposal for a funding request: the facility sought, purpose, security offered and the applicant’s strengths.
- Bank statement AI demoA demonstration of what AI bank-statement analysis could return. It runs on a built-in sample, not on a statement you provide.
- Form-to-email handlerA guide and builder for sending website form submissions to email through Formspree, with copy-ready HTML.
Each tool runs in your browser. Nothing is sent to us until you choose to save a result with your details, using the form at the bottom of a tool page. Nothing is emailed to you automatically. Some tools save your work in this browser only.