If you’re running a small business, you already know there’s no shortage of numbers you could be tracking—profit margins, accounts receivable, website traffic, social media engagement, conversion rates… the list never ends.
But when it comes to financial clarity, not all metrics are created equal.
In fact, most business owners are wasting time on vanity metrics that look good in a report but don’t actually help you make better decisions. If you want to stay in control of your finances and future-proof your business, you only need to focus on three essential KPIs.
Let’s break them down—and show you how Finoya makes tracking them effortless.
1. Cash Flow Health
This is the #1 KPI that can make or break your business.
Cash flow health tells you whether your business is bringing in more money than it’s spending over time. While profit is important, cash flow is what keeps the lights on.
You can be profitable on paper but still run out of cash—and that’s what sinks most small businesses.
Why It Matters:
It tells you if you can meet upcoming obligations (like rent, salaries, taxes).
It reveals whether your business model is sustainable.
It highlights the timing mismatch between income and expenses.
How Finoya Helps:
Finoya connects to your accounting software and visualizes your cash inflows and outflows in real time. You can spot negative trends early, identify delayed payments, and see exactly how much cash is left after every operational cycle.
Even better? You can ask Noya (Finoya’s AI assistant) questions like:
“What’s my net cash flow this month?”
“Why is my cash flow down compared to last quarter?”
“How can I improve cash flow without cutting staff?”
2. Days Cash in Hand
This metric shows you how many days your business can continue operating if no new cash comes in. Think of it as your financial survival runway.
It’s especially important in times of uncertainty—like a market slowdown, seasonal lull, or an unexpected expense.
Why It Matters:
It gives you a safety net benchmark.
It helps you avoid panic-mode decisions.
It’s an early warning system for financial trouble.
How Finoya Helps:
Finoya calculates this number daily based on your cash balance and average daily operating expenses. It updates automatically, so you’re always working with the most current data.
You’ll never be left wondering, “Can I make it through the next two months?”
Noya can tell you:
“You have 48 days of cash in hand.”
“If expenses increase by 10%, your runway drops to 35 days.”
That’s the kind of insight that helps you sleep better at night.
3. Burn Rate
Burn rate tells you how fast your business is spending money—usually measured monthly. While this is a familiar concept to startups, it’s just as important for established small businesses.
Whether you’re investing in growth, expanding your team, or testing new marketing channels, knowing your burn rate helps you stay realistic.
Why It Matters:
It reveals whether your spending is under control.
It’s essential for managing your runway.
It helps you pace growth without running dry.
How Finoya Helps:
Finoya automatically calculates your monthly burn rate and highlights increases or reductions. It also gives you a projection: based on current patterns, what will your burn look like in 3 or 6 months?
You can test scenarios like:
“What happens to my burn if I increase ad spend by 20%?”
“Can I afford a new hire without increasing my burn?”
Why These 3 KPIs Matter Most
Because they show you:
How much you have
How long it will last
How fast you’re using it
They’re the financial heartbeat of your business.
You don’t need 20 different reports or fancy dashboards. You need clarity—and Finoya delivers exactly that.
With real-time data, plain-language insights, and a built-in AI assistant that speaks your language, Finoya helps you understand and act on your KPIs every single day.
Make Better Decisions with Less Stress
Running a small business is already tough. The last thing you need is information overload. These three KPIs—cash flow health, days cash in hand, and burn rate—cut through the noise.
They tell you what’s working, what’s risky, and what to focus on next.
Finoya doesn’t just track these numbers. It explains them, alerts you when something’s off, and helps you course-correct before things go sideways.
So instead of worrying about what might happen next month, you can lead with confidence—knowing your numbers have your back.
Sign up for a 7-day free trial at Finoya.ai and stay focused on the only three KPIs that truly matter.