Commercial Provenance
35 Years of Financial Discipline
Not an unproven startup toy. A battle-tested operating philosophy designed and copyrighted by Anthony D G Mellor FCA.
Most accounting software is very good at telling you what has already happened. KISS is the persistent model of what happens next — answering how much is really yours, seeing cash shortages weeks before they hit, and giving you the steering wheel.
Sage, Xero, QuickBooks. Stores what has happened: historic invoices, reported VAT, statutory filings, and compliance ledgers.
The intelligence that connects both. Interrogates ledgers, formulates What-If simulations, drafts negotiation emails, and stages payment batches.
What we currently intend to happen. Persisted model of tactical dates, buffer constraints, forward solvency protection, and “Mine”.
Not an unproven startup toy. A battle-tested operating philosophy designed and copyrighted by Anthony D G Mellor FCA.
An owner looks at the bank account and sees £30,000. But spending £30,000 might destroy the business three months later.
Mine is not the bank balance. It is also not simply accounting profit.
It is the maximum amount the owner can extract from the business today without depriving the business of the cash needed to survive every upcoming commitment through its foreseeable cashflow cycle.
Immediately shows if buying a company vehicle creates a cash trough during the quarterly VAT payment.
Reveals the safe cash extraction figure so personal drawings never compromise payroll.
Monitors spendable cash against your safety cushion, alerting directors weeks before potential liquidity breaches.
Finds the single invoice delay or debtor acceleration that fixes a projected deficit with the least commercial friction.
Test the math live. Adjust your safety buffer or draw money out, then nudge invoice dates to resolve future pinches.
| Expected Date | Counterparty / Commitment | Amount | Running Spendable | Tactical Action |
|---|
+5d on the Supplier Z invoice to watch it recover!
How business decisions are actually made on any given morning.
Sub-millisecond keyboard ergonomics. No waiting 8 seconds for an AI chatbot to read paragraphs of text.
Constrained pool allocation with Net Payroll priority. One-click Open Banking OBIE v3.1 and BACS 18 batch export.
Navigate future commitments with arrow keys. Nudge dates with + / - and observe immediate running balance impact.
Calculates the smallest practical change to rescue liquidity troughs with minimum commercial friction.
Sort codes, account numbers, and payment reference rules mapped directly to ledger parties.