How to Use Flow 52

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Have a question not covered here? Check the FAQ or email team@flow52.com.

OVERVIEW

What Flow 52 Does

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.

The system adjusts transfer amounts across your seasonal periods based on your income levels. Setup takes about 10 minutes.

Step 1: Enter Your Monthly Revenue

Gather 12 months of bank statements and enter the total deposits each month — actual cash received, not invoices.

Use bank deposits, not accrual-based revenue
Pull cash received reports from your accounting software
Include payment processor settlement totals
Combine all revenue sources in your monthly totals
Estimates are fine if you don't have a full 12 months yet

Step 2: Identify Your Seasonal Pattern

Flow 52 automatically categorises your months into high, shoulder, and low seasons. Choose 2 seasons if your business is simply busy or quiet. Choose 3 if there's a middle period too.

This is crucial — 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.

Step 3: Add Your Major Expenses

Enter significant predictable costs — tax payments, insurance, licensing, rent, loan repayments. Leave out daily operating costs like supplies and fuel.

Get your bills covered first — that's the priority. You can always come back and add profit targets or emergency fund buckets later once the basics are running smoothly.

Step 4: Your Seasonal Weighting

Flow 52 calculates exact weekly transfer amounts adjusted by season. High season means higher transfers, low season means lower — but across the whole year you always save enough to pay every bill, every season, every time.

Step 5: Set Up Your Weekly Transfers

Open a separate savings account (interest-bearing, instant transfers)
Set up recurring weekly transfers via your online banking
When a bill arrives, transfer back to your operating account and pay as normal
Re-run the wizard if your revenue changes significantly