Export your invoices and bills from QuickBooks or Xero, drop the files in, and NextDebit reads them like a CFO would — then answers your questions in plain language. Which weeks are dangerous. Which customer to call today. Whether payroll clears on the 15th.
Free during early access · No credit card · Built in Canada 🇨🇦
Your $18,400 payroll run on Aug 15 is covered, projected balance $23,180 three days before. One warning: it depends on Henderson Contracting paying their $12,000 invoice, now 8 days overdue. If they slip two more weeks, this run goes negative. Call them Monday.
Every cash flow tool gives you charts and leaves you to decode them. NextDebit reads your receivables, payables, and bank activity — then answers the three questions that actually keep owners up at night.
NextDebit schedules every payroll run across 90 days and stress-tests each one against your projected balance. You see the exact pre-payroll balance for every run — and which run is tightest, weeks before it arrives.
PAYROLL STRESS TESTOverdue invoices ranked by what they actually mean for you — not just days overdue. "Call Henderson Monday: 34 days late, your largest outstanding invoice, and your Aug 15 payroll depends on it." Collection coaching, not an aging report.
RECEIVABLES COACHINGSome weeks, everything lands at once — payroll, rent, a supplier bill, the CRA remittance. NextDebit flags danger weeks 6–10 weeks out, while you still have time to move payments, chase invoices, or draw on your line of credit calmly instead of desperately.
DANGER WEEK RADARNo integrations to configure. No chart of accounts to map. No bookkeeper required. If your accounting software can export a file — and they all can — you're two minutes away.
In QuickBooks or Xero, export two reports: your open invoices (who owes you) and your unpaid bills (who you owe). Optionally add 2–3 months of bank statements so NextDebit can spot recurring costs like rent, loan payments, and your actual payroll runs.
Drag your exports into NextDebit. The AI reads them the way an experienced CFO would — identifying every receivable and its realistic payment date, every payable, every recurring expense, and your payroll schedule. Late-paying customers are modelled as late. No wishful thinking.
A full 13-week cash flow forecast — money in, money out, ending balance every week. Payroll stress-tested. Danger weeks flagged. Overdue invoices prioritized with specific actions. Plus a stress test: what happens if your biggest invoice pays two weeks late.
The industry-standard forecast that banks and CFOs rely on — built automatically from your real data. Money in, money out, and ending balance for every single week, with the lowest point of the quarter flagged in advance.
Every payroll run for the next 90 days, checked against your projected balance. Green means covered with buffer. Amber means tight. Red means act now, while there's still time to fix it.
Not an aging report — a call list. NextDebit ranks overdue invoices by consequence to your cash position and tells you who to call, when, and why it matters this week specifically.
CRA payroll remittances. HST/GST installments. The deadlines that blindside owners are baked into your forecast — because a tool built in the UK doesn't know what a CRA remittance is. This one does.
Rent, loan payments, leases, insurance, software subscriptions — detected from your bank activity and projected forward automatically. The costs you forgot about are the ones that hurt.
Your biggest customer pays two weeks late — what actually happens? NextDebit runs the scenario and shows you the specific consequence: which balance drops, which payroll run is exposed, by how much.
Float, Dryrun, spreadsheets, your accountant's quarterly review — they all share the same flaw: they hand you data and leave the thinking to you.
Progress billing in, payroll every two weeks out. The classic squeeze.
Thin margins, seasonal swings, supplier terms that never match revenue.
Project-based income, clients who pay net-60 on net-30 terms.
Inventory paid for months before the receivable lands.
Run forecasts for every client in minutes — advisory revenue, not spreadsheet hours.
For founding users who join the waitlist now. Help shape the product, keep founding pricing for life.
When NextDebit launches publicly. Compare: a fractional CFO runs $2,000+/month. One avoided NSF or one invoice collected a week earlier pays for the year.
Bookkeepers and accounting firms: multi-client pricing is coming — join the waitlist and mention your firm.
The owners who survive cash crunches aren't luckier. They just saw it coming. Join the early access list — free, no card, built in Canada.
Founding users keep founding pricing for life.