Cash Flow AI Alerts — Avoid Liquidity Crises

Cash flow problems are often invisible until it's too late. A customer pays 2 weeks late. Then an unexpected bill comes. Your overdraft is close to the limit. You can't pay your supplier. The supplier demands prepayment on the next order. You can't deliver to your customer. The customer cancels. Revenue drops. Everything spirals. And it all started with one late payment. The biggest mistake most owners make is looking at the bank account today, not what's coming tomorrow. Cash flow requires forecasts, not just snapshots.

Freja builds a daily forecast of your liquidity based on: (1) Your current cash balance, (2) expected receipts (invoices sent, their historical payment patterns), (3) expected expenses (fixed costs, salaries, VAT, subscriptions), (4) overdraft and limits. Freja calculates a daily forecast for the next 90 days and identifies days where your liquidity gets dangerously low. And here's the difference: Freja also compares with your historical data — if you always have low liquidity on the 20th of each month, Freja takes that into the calculation.

Scenario 1: 'You have 3 large invoices overdue, but those 3 customers are typically 2 weeks late. That pushes DKK 180,000 from April 15 to April 29. Meanwhile, your salary payment is April 30. Risk of overdraft overrun: high.' Scenario 2: 'You expect to pay VAT DKK 45,000 on June 1. Your current cash balance is DKK 32,000. Based on expected income you should have enough, but only with DKK 8,000 buffer. Recommendation: Send reminders on overdue invoices now.' Scenario 3: 'Your overdraft usage has been over 80% for 45 days. That's a red flag. Plan to reduce usage to below 70% to avoid bank renegotiation.'

A warning without action is useless. That's why Freja doesn't just give warnings — it suggests concrete actions. Example: 'Your liquidity drops below DKK 50,000 on April 22. You have 3 overdue debtors with DKK 45,000 total. Click here to send reminders with Interest Act-compliant fees. Alternatively: postpone payment to 2 suppliers (with prior OK), which gives DKK 25,000 of breathing room.' Freja makes the actions as easy as possible — often it's just one click.

A Danish trade business used Freja for 3 months. Before Freja: They had 3 'near crises' per year where they came close to the overdraft limit. After Freja: Zero crises. Freja gave them 30+ days of warning every time, so they could send reminders earlier, negotiate with suppliers, or adjust projects. Result: A reduction of overdraft usage from 85% to 45% average, and DKK 12,000 saved in annual interest. But the biggest value wasn't the money — it was peace of mind. They could sleep at night without worrying.