Cash decisions with working capital protected first.
Freemix analyses your cash position and helps you compare options only after essential cover is set aside — so allocation choices stay grounded in what the business can afford.
From £1 Decision support for UK small businessesAlways first
After cover
Per scenario
| Commitment | Cover | Status |
|---|---|---|
| Supplier run | Reserved | Covered |
| Discretionary spend | Conditional | Check timing |
Illustrative layout showing format and logic only — not a prediction, guarantee or advice. Directors remain responsible for final decisions.
Cover first, then choose.
Many cash problems come not from lack of data, but from deciding in the wrong order. Freemix reverses that by establishing required cover before modelling any allocation.
Your analysis separates money needed to keep the business operating — suppliers, payroll timing, tax reserves and buffers — from any surplus that could be allocated. Options are then compared on the same basis, with trade-offs made explicit.
Practical advantages for day-to-day decisions
Built for directors who need clarity before committing cash — not complex dashboards or generic forecasts.
Working capital is never treated as spare
Every output starts from required cover. If cover is tight, that is stated plainly and allocation options are constrained accordingly.
- Essential commitments identified before surplus is discussed
- Timing pressure shown, not averaged away
- No allocation suggested without cover context
Options compared side by side
Instead of a single answer, you see structured alternatives with assumptions and risks.
- Same inputs applied consistently
- Trade-offs in plain language
- Record you can revisit and explain
Decision optimisation, not just reporting
Analysis is framed around the choice in front of you — pay now or schedule, hold or allocate, proceed or pause.
Lightweight to start, structured to use
From £1, with no new system to install. You bring the cash position and the decision; Freemix provides the structured analysis.
How this differs from usual approaches
Spreadsheets and instinct have their place. Freemix adds a consistent, cover-first check before you commit.
| Aspect | Freemix | Spreadsheet alone | Gut feel |
|---|---|---|---|
| Order of analysis | Required cover calculated first; only the remainder is considered allocatable. | Often mixes operating cash and surplus in one balance. | Cover assessed informally and can be overlooked under pressure. |
| Scenario handling | Options modelled on identical assumptions for fair comparison. | Scenarios possible but manual, inconsistent and time-consuming. | Difficult to hold multiple timings and amounts in mind at once. |
| Decision record | Structured output showing inputs, cover, options and risk context. | Formulas and versions vary; rationale is rarely documented. | No auditable trail for later review. |
| Risk framing | Risks and timing constraints stated alongside numbers. | Risk usually separate, if noted at all. | Risk felt rather than articulated. |
Share position
Provide your current cash position and upcoming commitments.
Set cover
Required working capital is separated and protected in the model.
Compare options
Alternatives are tested against the same cover and timing.
Decide with context
You receive a clear, explainable basis for your decision.
Used responsibly
Freemix provides data analysis and decision-support software. It does not provide financial advice and does not replace director judgement.
- Illustrative outputs show format and logic, not predictions.
- Ensure adequate working-capital cover before allocating funds.
- Consider independent advice for significant or regulated decisions.
When it is most useful
The advantages matter most when timing is tight and choices compete for the same cash.
Pay now or schedule?
See the effect on cover before bringing a payment forward.
Hold or allocate?
Check what remains truly allocatable after tax and buffer cover.
Capital at risk. Examples describe use cases, not outcomes.
Check your cash position with cover first.
Send your current position and the decision you are weighing. You will receive a structured, cover-first analysis to support your next step.
From £1. No obligation. Directors should ensure adequate working-capital cover before allocating funds.