Flow 52 solves one problem: seasonal businesses run out of cash in the off-season because often their expenses exceed their low income.
This tool automatically calculates an automated weekly transfer from your operating account to a holding account, so you have the cash to pay every bill, every season every time.
It works by season: you transfer more in your busy months, less in your shoulder months, and even less in your slow months when income is low.
There are five steps in the wizard. The whole thing takes about 10 minutes with your bank statements handy.
Pull out your last 12 months of business bank statements. For each month, enter the total deposits — the total cash that actually landed in your account, not invoices or bookkeeping figures. Include all income sources and any collected sales taxes.
Don't have 12 months of data? Estimate. A rough plan based on what you expect is far better than no plan at all.
After you enter your cash deposits for each month of the year, Flow 52 automatically works out which months are your high season, shoulder season, and low season. It does this by looking at your actual numbers — no guessing needed.
Three seasons is selected by default. If your business really only has two distinct periods, switch it to 2 — it makes a difference to how your transfers are calculated.
Getting this right matters — in your busy months, you transfer more. In your slow months, you transfer less — but by then, you've already put enough away to cover the bills.
These are the big bills you know or suspect are coming — the ones that hurt when they land.
Flow 52 adds them all up and spreads the total amount across all 52 weeks of the year — so when that big bill arrives, the money is already sitting there waiting.
Leave out your everyday running costs (fuel, supplies, food if you are in hospitality). Those stay in your operating account. The holding account is only for the big, predictable costs that catch businesses off-guard.
Worth adding: extra buckets
Beyond your bills, consider setting up transfers for:
These are smart to include, but they can absolutely wait if funds are tight right now. Get your bills covered first — that's the priority. You can always come back and add these buckets later once the basics are running smoothly.
This is where Flow 52 puts it all together. Based on your revenue and your bills, it calculates exactly how much to transfer each week — adjusted for each season.
The calculation behind this is complex, but Flow 52 handles it all automatically. The idea is simple: we tell you how much and when. You transfer more when you're earning more, and less when you're earning less. But across the whole year, you always save enough to pay every bill, every season, every time.
This is the magic that makes the system work — automation.
It takes about 10 minutes. Bank statements ready — let's go.
Open Dashboard →Have a question not covered here? Check the FAQ or email team@flow52.com.