Owners who see the tight weeks coming.

Studios, roasteries, practices and workshops use Tarn to plan the purchase, the hire and the slow season before the cash decides for them.

6 weeks

earlier warning on a cash dip

Clayhaus Ceramics

$62k

freed from an idle cash buffer

Ostra Coffee Roasters

0

missed payroll runs since joining

Fernwood Landscape Studio

Scenario · Move kiln deposit to week 21

$161,200 lowest week

Above the $150k floor

Clayhaus Ceramics

·

Portland, OR

Clayhaus saw a tight winter coming in spring.

Clayhaus saw a tight winter coming in spring.

A ceramics studio with a holiday peak and a quiet January used scenarios to time a $24,000 kiln, and has not drawn on its credit line since.

“We used to find out about a tight month when it arrived. Now we see it in spring, and we move the kiln order instead of calling the bank.”

Mara Lindqvist

Owner,

Clayhaus Ceramics

6 weeks

earlier warning on a cash dip

$40k

credit line they never had to draw

$24k

kiln bought without borrowing

What owners measure after a year.

We ask every customer which number changed most. These are their answers, before Tarn and today.

Business

What they measured

Before

With Tarn

Clayhaus Ceramics

Portland, OR

Weekly cash review

3 hours on a Sunday

20 minutes on Monday

Ostra Coffee Roasters

Seattle, WA

Cash held as a buffer

$110,000

$48,000

Fernwood Landscape Studio

Denver, CO

Average wait for a stage payment

58 days

37 days

Halvard Joinery

Minneapolis, MN

Time spent on cash each week

Friday afternoons

5 minutes

“We had been holding a second van’s worth of cash in an account for two years, just in case. The forecast showed us the case never came.”

“We had been holding a second van’s worth of cash in an account for two years, just in case. The forecast showed us the case never came.”

“We had been holding a second van’s worth of cash in an account for two years, just in case. The forecast showed us the case never came.”

Dev Raman

Co-founder, Ostra Coffee Roasters

Read the Ostra story

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

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