Blog
Cash Flow Forecast
Learn what a cash flow forecast is, how the direct and indirect methods differ, and how to build a practical 13-week model that helps you spot cash crunches early.
Igor Zilberg10 min readCash Flow Glossary
Learn the essential cash flow terms founders, freelancers, and small-business owners need to forecast liquidity, understand timing, and avoid running out of cash.
Igor Zilberg26 min readCash Flow for Freelancers
A freelancer-focused cash flow playbook covering late invoices, feast-or-famine income, tax set-asides, safer owner pay, and the tools that help you stay ahead.
Igor Zilberg14 min readCash Flow for Solopreneurs
Learn how solopreneurs can separate money, split deposits, forecast cash, fund taxes, and set a safe-to-spend number without turning finance into a second job.
Igor Zilberg17 min readCash Flow for Small Biz
A practical small-business cash flow forecasting guide covering customer receipts, payroll, supplier bills, taxes, inventory, seasonal gaps, and the actions that close a shortfall early.
Igor Zilberg10 min read13-Week Forecast Template
Download a free 13-week cash flow forecast template for Excel or Google Sheets, then learn the weekly process and compare the spreadsheet workflow with onbalance.
Igor Zilberg16 min readWhat is offline-first?
Offline-first architecture ensures apps work reliably without internet by using local storage as the primary data source. Learn why it matters and how to build it.
Igor Zilberg8 min readPrivacy-first vs. Secure
Understand the difference between security and privacy in finance apps, and how to audit whether an app is truly privacy-first.
Igor Zilberg9 min readSecurity Whitepaper
How onbalance protects your financial data: a deep dive into the end-to-end encryption, zero-knowledge architecture, and secure recovery model behind the app.
onbalance12 min read