Cash flow forecasting for small business
Find your business's
ground state before the cash runs cold.
Equilibrium projects your next 10 weeks of cash position, then reschedules outstanding bills using a quantum-inspired optimizer — the same QUBO + simulated annealing approach used to benchmark quantum annealers — to capture early-payment discounts and avoid every dip below your safety buffer.
energy landscape — cooling in progress
Cost function of the payment schedule as the annealer searches for its minimum.
Cash position, next 10 weeks
Naive (pay-on-due-date) schedule vs. the optimized schedule Equilibrium found.
Payment schedule
What Equilibrium moved, and why.
| Vendor | Amount | Due week | Naive week | Optimized week | Effect |
|---|
How it works
Every bill's payment week is a one-hot binary decision — the exact variable shape used in QUBO (Quadratic Unconstrained Binary Optimization) formulations.
The cost function blends a linear term (discounts captured, penalties incurred) with a quadratic term penalizing any week the projected balance dips under the safety buffer.
Simulated annealing explores this landscape with a cooling temperature schedule — the classical technique used to benchmark quantum annealers like D-Wave before real hardware is involved.
The lowest-energy schedule found becomes the recommendation: the payment order and timing least likely to put the business at risk.