GlassJar
GlassJar provides an AI-powered cash flow and savings coach for small and medium-sized businesses, connecting directly to bank feeds to classify transactions and project cash positions. The platform offers a 13-week rolling cash schedule, DSCR computation from bank-verified data, and automated revenue sweeps into FDIC-insured reserve accounts. Its transparent AI explains the data and reasoning behind every recommendation, helping owners prepare for lender conversations.
- Financial Technology
- Artificial Intelligence
- Data & Analytics
- AI Agents
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Small and medium-sized businesses struggle to understand their true cash position because traditional accounting reports are backward-looking and forecasts are opaque. Lenders underwrite on trailing bank-verified cash flow, not projections, leaving many SMBs unprepared for financing conversations and vulnerable to cash flow gaps that force expensive reactive decisions.
Solution
Cashflow Coach connects directly to business bank feeds through aggregators to classify every transaction into operating inflows, operating outflows, and debt service, producing a bank-verified picture of net operating cash flow. The platform then rolls forward a 13-week cash schedule that surfaces timing gaps between payables and receivables, and computes a debt service coverage ratio from actual bank data. It also provides automated savings mechanisms like standing 10% revenue sweeps into separate FDIC-insured reserve accounts, with quarterly expense checks to keep the reserve target current. The coach explains the data, assumptions, and reasoning behind every recommendation, so owners understand the evidence rather than relying on opaque scores.
Target Audience
Primary customers are small and medium-sized business owners who need to understand cash flow, build savings reserves, and prepare for financing conversations with lenders.
Features
- Direct bank feed integration via aggregators with automatic transaction classification into operating inflow, operating outflow, and debt service buckets
- 13-week rolling cash schedule projecting weekly cash positions from observed inflow and outflow patterns, adjusted for upcoming obligations
- DSCR computation from trailing 12-month bank-verified data with scenario modeling to identify which lever closes a ratio gap
- Automated revenue sweep functionality that transfers a fixed percentage of every incoming deposit into a separate FDIC-insured reserve account on deposit day
- Transparent AI recommendations showing underlying data sources, assumptions, and reasoning behind each suggestion
- Knowledge base and blog offering practical guides on cash buffer management, DSCR preparation, and reserve building strategies