monbark

Founding pilot open · 10 service businesses

Know what your business can afford next.

Connect your business bank — and your stores, if you sell online — and see the exact day your cash runs short, weeks before it does. Then invoice, get paid and finish receipts in the same place.

Get my date — free to see See a sample business

3-minute setup · see your date free · then $99 a month, paid here with Stripe

PlumbingHVACElectricalCleaningRemodelingShopify storesAmazon sellersEtsy shops

monbarkBUSINESS

MRReyes Plumbing

COVERED THROUGH3 of 3 banks · 6 min ago

Nov 19+5 days this week

Cash on hand covers every bill, payroll run and card statement through Nov 19. One thing: Nov 20 payroll dips $1,200 under your buffer. Henderson's $5,000, expected Nov 17, fixes it.

CASH ON HANDNov 19

WITH EXPECTEDNov 30

IF LATENov 19

Expected in · 30 days$8,5003 customers · Henderson is the one that matters

Going out · 30 days$17,2107 bills · 2 payroll runs · 1 planned

Tax reserved$4,12079% of the Jan 15 target

Cash on hand

$23,410+$1,210 this week

3 accounts · updated 6 min ago

Safe to spend

$4,640

through Nov 7 · above your buffer

Lowest cash

$3,800−$1,200 vs buffer

Nov 20 · $9,000 if Henderson pays

Your cash balance, day by dayWhere the money is headed if nothing changes. Black is what happened; blue is what is coming: every bill, payroll run and card statement already dated.

Cash on handWith expectedIf late

What changed2 need you

⚠

Payroll was $412 over planGusto Oct 24 · overtime on Henderson

Decide

!

Oakwood's $2,200 hasn't arrivedexpected Oct 20 · promised Oct 27

Update

✓

Henderson paid early$5,200 · 5 days early

View

Monday review · about 4 minutes

Next 30 daysEverything ›

FC

Ford Credit · truckNov 1 · monthly

−$812

SM

Smith water heater · materialsNov 3 · planned

−$1,900

PR

Payroll · 2 crewNov 7 · confirmed

−$4,600

HB

Henderson BuildersNov 17 · expected · 6 of 6

+$5,200

PR

Payroll · 2 crewNov 20 · $1,200 under buffer

−$4,600

Works with the bank and tools you already use

ChaseBank of AmericaWells FargoShopifyAmazonEtsyPayPalQuickBooksGustoStripe

SOUND FAMILIAR?

Busy isn't the same as covered.

“Profitable on paper. Short on payroll Friday.The money is coming — just not before the bills. You find out on Thursday night.Monbark shows the dip weeks ahead →

“Chasing invoices by text at 9 PM.You did the job. Now you're the collections department, with no idea who pays late.One-tap reminders. Pay online by bank →

“A shoebox of receipts every April.Your accountant asks for everything at once and you can't find half of it.Snap it once. It's on the job and in the packet →

TRY IT · 20 SECONDS

When does your cash run short?

Three rough numbers. No signup. The real thing reads your bank and does this every morning, payment by payment. Cash in your business account today

$

Going out in a typical month (bills, payroll, materials)

$

Customers usually pay you per month

$

ROUGHLY COVERED THROUGHFeb 3About 14 weeks — if every customer pays on time. One late $5,000 payment pulls it to Jan 11.

A monthly average hides the bad week.Payroll lands every other Friday; customers don't. Monbark dates every payment from your bank — so you see the Thursday you'd be short, not the month.

See my real date

HOW IT WORKS

Three minutes to your date.

1Connect your business bankRead-only through Plaid. We read 90 days and find your bills, payroll and customers.

2Confirm one numberPayroll — or connect Gusto and skip it. Pick the cash you never want to go under.

3See your dateCovered through, the week to watch, and the one payment it depends on. Every morning after that.

KNOW

One date tells you if you're okay.

Monbark reads your business bank and dates every bill, payroll run and card statement against the customers who owe you. You get one answer every morning: how long you're covered.

The week cash runs short — weeks before it does

Can I afford this? for a truck, a hire or a job's materials

Pay yourself without guessing

What changed, every Monday, in four minutes

COVERED THROUGHNov 19Nov 20 payroll dips $1,200 under your buffer. Henderson's $5,000 fixes it.

RP

Invoice #1041 · Henderson BuildersDue Dec 24 · Net 30

$5,000.00

✓

Paid online · Nov 17$4,970 to Chase in 2 days · invoice closed

+$5,000

GET PAID

Invoice from the job. Get paid by bank in one tap.

Invoices draft themselves from the job. Customers pay online by bank or card; the invoice closes the second they do. Late ones get a reminder by email or text — on your tap, never a robot sequence.

Pay button on every invoice · bank 0.8% (max $5), card 2.9% + 30¢, Monbark 0.5%

Know who pays late before you start their next job

Already invoicing in QuickBooks? We read it, read-only

SPEND

Every receipt finished in one photo.

Snap it — it's saved, matched to the bank transaction, put on the job and in your tax packet. Forward a bill and it's in your plan the same minute.

Job cards show what each job actually made

Unpaid bills count before you pay them

Payroll exact from Gusto, or confirmed once

FE

Ferguson · copper fittingsOct 24 · receipt matched · Henderson job

−$612.40

A1

A-1 Subcontracting · billdue Nov 12 · in your plan today

−$1,850

HD

Home Depot · split$199.90 Patel job · $57.40 shop

−$257.30

Henderson — repipe

Contribution before overhead+$3,320 · 41%

Costs vs estimate+$180 · Ferguson fittings

SET ASIDE BY JAN 15$5,210

$4,120 reserved · $270 a week to go

00

00_Summary.pdfperiod, entity, reserve vs paid

2 pages

01

01_Transactions.csvevery transaction, category, job, receipt

1,214 rows

TAX

April without the shoebox.

What to set aside and when, write-offs with the receipt attached, and a packet your accountant can use as-is. Estimates, not filings — your accountant still files.

Quarterly set-aside tracked against what you've reserved

Missing receipts flagged while you still remember

One zip for your accountant, any day of the year

THE HONEST COMPARISON

Built for the owner, not the bookkeeper.

Accounting software keeps your books. Your bank shows today's balance. Monbark answers what's next — and works alongside both.

	Monbark	Spreadsheet	Accounting software	Your bank app
Tells you the day cash runs short			partly
Invoices from the job + pay online
Receipts matched to the job
Unpaid bills count before you pay			partly
Tax set-aside tracked weekly			partly
Built for owners, not bookkeepers
Setup	3 min	—	hours	—

AL

"Owners shouldn't find out about a short payroll on Thursday night. I built Monbark so you see it weeks ahead — and so every answer comes with the payment it depends on."

Al · founder, Monbark · Michigan — reply to any Monbark email and it comes to me

FOUNDING PILOT · 10 BUSINESSES

One plan. Everything included.

$99a month

Covered through, every morning

Can I afford this? · Pay yourself · What changed

Invoices, reminders by email or text, pay online

Receipts and bills finished in one photo

Tax set-aside, write-offs, the accountant packet

Up to 3 bank and card logins · QuickBooks · Gusto

See your date first, then pay here with Stripe — card, Apple Pay or Google Pay. Cancel in two clicks; your records export in one zip.

Get your date in 3 minutesStart now — or tell us about your business and Al will walk you through it.Work emailWhat kind of work?Get my dateRead-only bank access · Monbark never holds or moves money

Questions owners ask

Is this bookkeeping software?+

No. It organizes your records as you work and hands your accountant a clean packet, but it isn't a general ledger and doesn't file taxes. It's the cash side: what's coming, what's going, what you can afford.

Does Monbark hold or move my money?+

No. Bank access is read-only through Plaid. When customers pay online, the money goes through Stripe straight to your bank.

What does getting paid online cost?+

Bank transfer 0.8% (max $5) or card 2.9% + 30¢ through Stripe, plus Monbark's 0.5%. On a $5,000 bank payment that's $30 total. It's optional — invoices work without it.

I already use QuickBooks or Gusto.+

Connect them. We read QuickBooks invoices, customers and bills (read-only) and exact payroll from Gusto.

I sell online — Shopify, Amazon, Etsy.+

Connect your stores. Monbark reads your payouts on their real dates (after fees, refunds and reserves), shows what each product actually makes, and tells you whether you can afford the next stock order. Wholesale invoices and supplier bills work the same as for any business.

What does $99 a month include?+

Everything above. No per-user pricing, no add-ons. $99 a month from day one. Cancel any time.

How long does setup take?+

Connect your bank, confirm payroll, see your date — about 3 minutes. Bringing in your first real job takes two more.

See the day your cash runs short. Before it does.

3 minutes · see your date free · then $99 a monthGet my date