Running a business is a constant balancing act. Sales. Hiring. Marketing. Product. It is easy to get caught up chasing growth while ignoring the numbers that actually determine if you survive.
The truth is, most founders do not fail because they run out of ideas. They fail because they run out of cash.
If you want to stay in control, you need to stop ignoring these five financial KPIs. They are not complicated. But they are critical.
Here is what you need to watch before it is too late.
1. Cash Flow Health Score
Cash flow is not the same as profit. You can be profitable and still run out of cash.
Your cash flow health score tells you if your inflows and outflows are balanced and sustainable. A healthy business shows positive cash flow most months and can absorb a few bumps without going under.
Finoya gives you a live cash flow health score updated daily based on your real financial data. Green means you are safe. Yellow means caution. Red means act now.
2. Days of Cash on Hand
How long could you survive if no new money came in starting today?
That is what days of cash on hand measures. It is your financial breathing room.
Healthy businesses aim for at least ninety days of cash available. If you are running with less than thirty days, you are living on the edge.
Finoya tracks this automatically so you are never guessing.
3. Burn Rate
Burn rate is how much cash you are spending every month. It is not your profit or loss on paper. It is the real cash leaving your bank account.
Founders often underestimate their burn rate. By the time they realize they are burning too fast, it is usually too late to course correct.
With Finoya, you can see your live burn rate and spot when spending starts creeping up.
4. Receivables Health
Outstanding invoices are not real cash until they hit your bank account.
Receivables health measures how much money you are owed, how overdue it is, and how it impacts your cash flow.
If too much of your cash is stuck in unpaid invoices, you can end up cash poor even if sales look strong.
Finoya highlights overdue invoices automatically so you can act before they cause cash flow problems.
5. Safe Runway Estimate
Runway is how many months you have left before you run out of cash, assuming your current burn rate stays the same.
A safe runway is at least six months. Anything less means you need to either raise cash, cut expenses, or boost revenue fast.
Finoya calculates your safe runway every day so you know exactly how much time you have.
Why Most Founders Ignore These KPIs (Until They Cannot)
It is easy to get distracted by top line growth. More users. More sales. More press.
But when cash gets tight, vanity metrics do not save you. Survival comes down to a handful of simple financial truths.
Ignoring these KPIs is like ignoring the fuel gauge in your car. You might be cruising now. But the crash comes fast when you run empty.
How Finoya Keeps You Ahead
With Finoya:
Your cash flow health is tracked automatically
Your runway, burn rate, and cash in bank are updated live
You get early alerts when trouble is brewing
You can ask Noya for instant advice on improving cash flow
No spreadsheets. No guesswork. Just clear financial visibility when you need it most.
Stay in Control Before It Is Too Late
The founders who survive are not the ones who hustle hardest. They are the ones who see trouble coming early and act fast.
Start tracking the numbers that actually matter.
Sign up for a 7 day free trial at Finoya.ai and keep your business healthy, profitable, and alive.