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Finance & Cash flow

Your cash flow under control, your collections accelerated

Know at any moment what comes in, what goes out and who owes you what. Collect faster, anticipate strain and make every dinar reliable — from accounts to bank reconciliation.

★★★★★ 4.8/5 · trusted by 500+ companies | Conforme TN
new.swifto.io/tresorerie
Cash flow & payment collection
Available balance
132 480 TND
To collect (30d)
65 700 TND
EL MAZRAA12 400 TND
SOTUMAG8 950 TND
BUFFET CONCEPTCollected
Cheque collected
N°214 880 · 8 950 TND
Due tomorrow
Promissory note · 12 400 TND
Why cash flow matters

The area that decides your SME's survival

A profitable company can go bankrupt for lack of cash. Swifto automatically links your sales, purchasing and payments to give you a clear, forward-looking view of your cash — with no spreadsheet or re-keying.

Real-time visibility

Balance of each account, customer receivables, supplier due dates and outstanding balances consolidated on a single screen, up to the second.

Accelerated collections

Spot late payments, launch your follow-ups and clear unpaid invoices faster. Each payment collection updates the outstanding balance automatically.

Reliable cash flow

Bank reconciliations, tracked post-dated cheques and a tamper-proof history: a balance you can confidently base decisions on.

new.swifto.io/encaissements
New payment collection
SY000324
Cash
Cheque
Bank transfer
Promissory note
Vouchers
Invoice amount4 200,000 TND
Collected4 200,000 TND
Outstanding balance0,000 TND
Payment collection

All your payment methods, linked to the invoice

Record each payment in the method actually used. The outstanding balance and cash flow update instantly, with no duplicate accounting entry.

  • Cash, cheque, bank transfer, promissory note and vouchers — each method with its own details.
  • Partial collections and multi-invoice: settle several documents in one operation.
  • Outstanding-balance tracking per customer, in real time, on every invoice.
new.swifto.io/echeancier
Due-date schedule — cheques & promissory notes
EL MAZRAA
Cheque N°214 880
12 400 TND
Tomorrow
SOTUMAG
Promissory note N°009 412
8 950 TND
In 6 d
COMPTOIR DU SUD
Cheque N°552 107
5 300 TND
In 14 d
Due (30d)
26 650 TND
In portfolio
9 cheques
Due dates

Post-dated cheques and schedules, never a missed due date

Track the portfolio of cheques and promissory notes from receipt through to collection. Swifto alerts you to upcoming due dates so you can present at the right time.

  • Post-dated cheques recorded with a due date and tracked through to settlement.
  • Customer and supplier schedules to anticipate cash inflows and outflows.
  • Due-date alerts: never present a cheque too early or too late.
new.swifto.io/rapprochement
Bank reconciliation
Balanced
Swifto balance
132 480 TND
Bank statement balance
132 480 TND
Bank transfer received — SOTUMAG+8 950
Cheque issued — Supplier−3 120
Bank charges−45
Accounts & statements

Reliable balances and statements ready to send

Manage your cash accounts, reconcile them with the bank and produce any customer's or supplier's statement in one click, with the remaining balance due up to date.

  • Multiple cash accounts: cash registers and banks each with their own balance.
  • Bank reconciliation to detect discrepancies and make the balance reliable.
  • Complete customer/supplier statements: invoices, payment collections, credit notes, outstanding balance.
Built for the CFO

The financial cockpit of your Finance department

Swifto gives the CFO the levers to protect cash flow, speed up cash and decide on reliable figures — without depending on a month-end accounting export.

Anticipate

Cash forecast

  • Upcoming inflows and outflows
  • Consolidated schedules
  • Strain detected early
Accelerate

Reduce unpaid invoices

  • Receivables per customer
  • Targeted follow-ups
  • Outstanding balance tracked
Make reliable

Trustworthy balances

  • Bank reconciliations
  • Tracked post-dated cheques
  • Tamper-proof history
Real time
of cash flow visibility
5 methods
of collection handled natively
-40%
of time on payment tracking
Frequently asked questions

Finance & cash flow — your questions

Swifto handles every payment method used in Tunisia: cash, cheque, bank transfer, promissory note and vouchers. Each payment collection is linked to the relevant invoice and updates the outstanding balance and cash flow in real time.
Post-dated cheques are recorded with their due date and tracked through to collection. Swifto alerts you to upcoming due dates and keeps the full history for your bank reconciliations.
When a customer pays an advance or a deposit, Swifto turns it into a reserve that is drawn down gradually through successive drawdowns on their subsequent invoices or notes, in one or several instalments. The remaining balance of the advance is tracked continuously and each drawdown is linked to its original advance, with no double-counting of cash flow and no duplicate entry. You collect the cash as early as possible and the matching of subsequent invoices happens automatically.
Yes. Swifto supports multi-payment: a single invoice can be settled in one operation with several payment methods, for example a cheque, cash and a bank transfer. Each payment line carries its own amount and attachment, faithfully reflecting the reality of Tunisian customer payments and saving you from entering several separate payment collections.
Yes. Post-dated cheques are tracked in a portfolio by due date, with alerts before presentation and bank deposit slips. On the advances side, Swifto models each advance as a reserve that you draw down through successive drawdowns across several invoices or notes, with the remaining balance tracked continuously. You can also settle a single payment collection with several methods at once (cheque, cash, bank transfer) to match reality on the ground.
Yes. Swifto lets you reconcile your account entries with actual bank transactions to make your balance reliable and quickly spot discrepancies.
Swifto generates a customer's or supplier's account statement in one click, with all invoices, payment collections, credit notes and the remaining balance due, ready to be sent or printed.
Yes. Swifto's financial dashboard projects your upcoming cash flow with four indicators — forecast expenses, forecast income, forecast cash flow and coverage ratio — together with a green, orange or red gauge. You see at a glance whether your upcoming expenses (salaries, suppliers, post-dated cheques) will be covered by expected collections, so you can anticipate strain, avoid overdraft and present your payments at the right time.
Swifto relies on your real data. Forecast expenses add up the payroll of the last pay month, purchases not yet paid, post-dated cheques to be paid out and supplier payment notices. Forecast income combines the amounts still to be collected on your delivery notes, post-dated cheques to be collected and customer payment notices. The coverage ratio equals income divided by expenses: at 100% or more the gauge is green, below 70% it turns red. It is a snapshot at a given moment, recalculated continuously and tailored to your active modules.
Finance & Cash flow in detail

Everything the Finance & Cash flow module covers

From multi-mode payment collection to bank reconciliation, via post-dated cheques, company accounts and schedules: every building block feeds a single, up-to-date cash flow view.

Multi-mode payment collection

Record payments by cash, cheque, bank transfer, promissory note/bill or card. Each payment collection is linked to its invoice and updates the outstanding balance.

Post-dated cheques & slips

Track the portfolio of post-dated cheques with their due date and prepare your bank deposit slips without re-keying.

Bank accounts & positions

Manage the company's bank accounts, view their position and track movements account by account.

Bank reconciliations

Reconcile your account entries with actual bank transactions to make the balance reliable and quickly spot discrepancies.

Schedules & statements

Produce schedules and customer and supplier account statements: invoices, payment collections, credit notes and remaining balance due.

Real-time cash flow

View inflows and outflows, the outstanding balance and amounts to collect to steer your cash and anticipate strain.

Connected modules

Cash flow connected to the rest of your operations

The Finance module feeds automatically from sales, cash registers and accounting — with no duplicate entry or month-end export.

Sales & Invoicing

Customer collections and outstanding balance linked to each invoice.

Cash register management · POS

Cash-register collections consolidated in the company's cash flow.

Accounting

Documents and entries fed by payment collections and settlements.

new.swifto.io/avances
Customer advance — EL MAZRAA
Active reserve
Advance paid
10 000 TND
Remaining balance
3 400 TND
Drawdown — Invoice SY000311−4 200
Drawdown — Invoice SY000318−2 400
Multi-payment — Delivery note N°1042Cheque + Cash
Advances & settlements

Customer advances and multi-payment, without cash flow headaches

Poorly reconciled advances, partial settlements paid in several methods: that's an open door to till errors and customer disputes. Swifto models the advance as a reserve that you draw down through successive drawdowns, and allows several payment methods in a single payment collection.

  • "Reserve + drawdowns" advances: partial draw-down, across several invoices or notes, with the remaining balance tracked continuously.
  • Multi-payment: cheque + cash + bank transfer… settled together in a single payment collection, each with its own details.
  • Full traceability: each drawdown is linked to its original advance, with no double-counting of cash flow.
  • Benefit: accurate cash flow, flexible collections and zero dispute over what has already been paid.
new.swifto.io/encaissements-a-venir
Upcoming collections & reconciliation
Post-dated cheque N°214 880
EL MAZRAA · due tomorrow
12 400 TND
To present
Promissory note N°009 412
SOTUMAG · in 6 d
8 950 TND
In portfolio
Customer statement — balance due
21 350 TND
Reconciled accounts
3 / 3
Due dates & reconciliations

Post-dated cheques and schedules tracked, unpaid invoices under control

A cheque forgotten in a drawer or an unpresented due date is a hole in your cash flow. Swifto tracks every post-dated cheque, promissory note and due date from receipt through to collection, reconciles your accounts with the bank and produces customer/supplier statements in one click.

  • Post-dated cheques & slips: portfolio tracked by due date, bank deposits prepared without re-keying.
  • Customer and supplier schedules to see upcoming collections and anticipate outflows.
  • Bank reconciliations and cash accounts: a reliable balance, discrepancies detected early.
  • Benefit: visibility over what should come in, fewer unpaid invoices and statements ready to send.
new.swifto.io/tresorerie-previsionnelle
Cash flow forecast
Real time
Forecast expenses
86 300 TND
Forecast income
102 750 TND
Forecast cash flow
+16 450 TND
Coverage ratio
119 %
Coverage of upcoming expensesComfortable
0 %70 %100 %+
Forecast

"Will I have enough to pay salaries and suppliers next month?"

Swifto's financial dashboard projects your upcoming cash flow from your real data: payroll, unpaid purchases, post-dated cheques and customer due dates. Four indicators and a gauge answer the question that keeps you awake — anticipate cash flow strain, avoid overdraft and manage your payments with confidence.

  • Forecast expenses = payroll (last pay month) + purchases not yet paid + post-dated cheques to be paid out + supplier payment notices.
  • Forecast income = amounts still to be collected on delivery notes + post-dated cheques to be collected + customer payment notices.
  • Coverage ratio = Income ÷ Expenses, with a green gauge at 100% and above, orange between 70 and 99%, red below 70%. A snapshot recalculated continuously, tailored to your active modules.
4 indicators
expenses, income, cash flow, coverage
Gauge
green / orange / red at a glance
Real time
projection recalculated continuously

Take back control of your cash flow

Request a free demonstration and see how Swifto accelerates your collections and makes your cash reliable.