Join the waitlist
Launching soon · For South African small businesses

Get paid on time. See every rand.

Invoicing, cash flow, SARS estimates, payroll and SA payments in one platform — and an invoice can start with one WhatsApp message.

Join the waitlist See how it works

We're not live yet. Joining the waitlist doesn't create an account and costs nothing.

Example data. Not a real business.

How it works

One message in. Money in the bank.

Follow a single invoice from a WhatsApp chat to “paid”. You answer five questions; the rest runs on its own.

  1. Step 01

    You answer five questions on WhatsApp

    You do this

    Send “invoice” to CashFlow Coach. It asks who the invoice is for, how to reach them, what the work was, the amount and the due date — then shows you a summary to check before anything is sent.

    Prefer a screen? The same invoice can be made in the app.

    Questions shown word for word from the CashFlow Coach WhatsApp flow. Example answers. Also available in isiZulu and Afrikaans.

  2. Step 02

    The invoice is created and sent

    Automatic

    Your client gets a link to a proper invoice: your business name, the work, VAT split out at 15%, and a pay button. It opens in any phone browser, so they don't need to install anything.

    Layout follows the CashFlow Coach invoice page. Example data.

  3. Step 03

    Your dashboard shows it as outstanding

    Automatic

    The invoice lands in your cash flow dashboard straight away, counted in what you're owed. You can see what's coming in this month without opening a spreadsheet.

    Dashboard is on Pro and above. Example data.

  4. Step 04

    Reminders go out on schedule

    Automatic

    No awkward phone calls. Reminders go to your client at 08:00 on a fixed schedule — 3 days before the due date, on the day, then 7, 14 and 30 days overdue — getting firmer each time.

    Example wording. Final reminder messages are awaiting WhatsApp template approval.

    1. 5 Oct3 days before due✓ Sent
    2. 8 OctDue todayScheduled
    3. 15 Oct7 days overdueScheduled
    4. 22 Oct14 days overdueScheduled
    5. 7 Nov30 days overdueScheduled

  5. Step 05

    They pay. It flips to paid.

    Your client pays Then automatic

    When your client pays through the link, the payment gateway confirms it and the invoice is marked paid — on the invoice page and in your dashboard. The reminders still waiting are cancelled.

    1. 5 Oct3 days before due✓ Sent
    2. 8 OctDue todayNot sent — paid
    3. 15 Oct7 days overdueNot sent — paid

    Example data.

Who does what

  • YouAnswer five questions and reply YES. About a minute of typing.
  • Your clientOpens the link and pays.
  • CashFlow CoachCreates the invoice, updates your dashboard, sends reminders, and marks it paid.

Sound familiar?

The work's done. The money isn't.

You did the job and sent the invoice. Now you're also the debt collector — following up by phone, checking the banking app, and trying to remember what's owed to whom.

Meanwhile VAT and PAYE are due on SARS's dates, not your clients'. Late payment of VAT or PAYE attracts a 10% penalty plus interest.

Penalty source: SARS, VAT 404 Guide for Vendors

  • 46%

    of South African small businesses said they were struggling with late payments.

  • 41%

    had some degree of cash flow issues in the past year.

  • 43%

    of owners had sacrificed their own salary as a result.

Online panel of 414 South African businesses with up to 200 employees, surveyed by KLA for Xero, 7–20 March 2025. Source: Xero, The State of South African Small Business 2025, p. 3

The platform

Everything after “send invoice”.

WhatsApp is the quickest way in. Behind it is a full app and web dashboard for running the money side of your business.

Invoicing

Bill a client before you've left the job

  • Start on WhatsApp with five questions, or in the app.
  • VAT worked out at 15% on every invoice.
  • Clients open a web page with a pay button — no app for them.
  • English, isiZulu and Afrikaans.

Cash flow dashboard

Know what's coming in, and what's late

  • Collected, outstanding and overdue at a glance.
  • Every invoice's status, updated when payments land.
  • Reminders on a fixed schedule, so nobody slips through.

Pro and above.

SARS compliance

See VAT and PAYE coming before the deadline does

  • VAT201 and EMP201 estimates built from your invoices and payroll.
  • Upcoming due dates in one view.

Estimates only. CashFlow Coach does not file returns or give tax advice. Always check figures with a registered tax practitioner before you submit.

Pro and above.

Payroll

Pay your people without a spreadsheet

  • Monthly pay runs for your staff.
  • PAYE, UIF and SDL estimates feed the EMP201 view.
  • Approved pay runs are locked, so your records stay consistent.

South African payments

Let clients pay the way they already pay

  • Online payments through Payfast.
  • Payments through the invoice link are confirmed by the gateway and marked paid automatically.

Planned, not yet available: Yoco, SnapScan, PayShap, and EFT with a unique reference.

Pricing

Four plans. Priced in rand.

Every plan starts with a 30-day trial. There's no free plan.

Spaza

For informal traders and solo operators who run everything from their phone.

R79/ month

  • Invoicing on WhatsApp
  • Up to 20 invoices a month
  • English, isiZulu and Afrikaans
  • Planned: SnapScan and PayShap payments (not yet available)
  • Not included: No web dashboard or SARS module
Join the waitlist for Spaza

Recommended

Pro

For owner-run businesses that want the whole picture, not just invoices.

R249/ month

  • Unlimited invoices
  • App and web dashboard
  • SARS module: VAT201 and EMP201 estimates
  • Online payments through Payfast
  • Unlimited WhatsApp reminders
Join the waitlist for Pro

Business

For teams where several people handle invoices and approvals.

R599/ month

  • Everything in Pro
  • Up to 10 team members
  • Approval workflows and role-based access
  • Planned: Sage and Xero sync (not yet available)
Join the waitlist for Business

Enterprise

For groups running more than one entity.

Custom

  • Everything in Business
  • Unlimited team members
  • Multi-entity management
  • API and webhooks
  • SLA and a dedicated account manager
Join the waitlist for Enterprise

Plans aren't on sale yet. Join the waitlist and we'll tell you when they are.

The SARS module gives estimates only — check them with a registered tax practitioner before you file.

Questions

Straight answers.

Is CashFlow Coach live yet?

Not yet. The waitlist is how we'll let you know when it opens. Joining doesn't create an account, start a trial or cost anything.

Is my data safe?

Your data travels over encrypted connections. Each business can only see its own records — that rule is enforced inside the database itself, not just in the app.

We don't sell your data, or your clients' data.

Where is my data stored?

Our database and servers are in Frankfurt, Germany, in the EU.

Do my clients need to install an app?

No. Your client gets a link. It opens as a normal web page on any phone or computer, and they pay from there.

What if my clients don't use WhatsApp?

When CashFlow Coach asks for their contact details, give an email address instead of a number. You also get the payment link back yourself, so you can send it however you like — SMS, email, or printed on a quote.

Does it file my SARS returns for me?

No. CashFlow Coach estimates what you're likely to owe for VAT and PAYE, based on your invoices and payroll, and reminds you when returns are due. It doesn't submit anything to SARS and it isn't tax advice.

Estimates only — always check them with a registered tax practitioner before you or your accountant file.

What happens after the 30-day trial?

To keep using CashFlow Coach after the trial, you choose a paid plan. There's no free plan. We'll publish the full trial terms before launch.

Is my business too small for this?

Probably not. The Spaza plan (R79 a month) is built for informal traders and one-person businesses: invoicing from WhatsApp, up to 20 invoices a month, no dashboard to learn.

Waitlist

Be first in when we open.

CashFlow Coach isn't live yet. Here's exactly what joining means.

  1. 1
    You're joining a list, not opening an account.

    Nothing is set up, nothing is charged, and there's no trial running yet.

  2. 2
    We contact you when early access opens.

    We'll email or WhatsApp you, depending on what you give us. We don't send newsletters in the meantime.

  3. 3
    Then you decide.

    If you want in, you sign up and your 30-day trial begins. If not, ignore the message or ask us to delete your details.

Join the waitlist

For example, you@business.co.za or 082 123 4567

CashFlow Coach collects your name, contact details and business type only to contact you when the product launches. We won't sell them or share them with anyone for marketing. You can ask us to delete them at any time:
privacy@cashflowcoach.co.za

Changed your mind? Email us and we'll delete your details:
privacy@cashflowcoach.co.za