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UMoney
Data-Driven Corporate Finance
Download the Model
Official 2026 edition | Built for Israeli VAT and income tax rules

Full control over your business cash:
A professional cash flow model in Excel

Built for licensed dealers (Osek Murshe) and Ltd companies with annual turnover of ₪400K and up. You get a rolling annual forecast, a traffic-light alert before you go over your bank credit line, Spitzer loan schedules and bimonthly VAT control.

Choose your model and download now Quick advice on WhatsApp
Instant download to your computer
3 guides (Hebrew, Russian, English)
Phone support included
Works in Excel and Google Sheets
2026 management dashboard
Israel Israeli, Licensed Dealer | Financial control and cash forecast
Credit line not in use (healthy) Updates automatically
Combined opening balance
₪50,000
Across 2 bank accounts
Overdraft line (Chachad)
₪80,000
Approved line
Lowest checking balance
₪48,804
Lowest point of the year
Available at year end
₪133,386
Checking + unused credit line
1. Settings and guidelines 2. Transaction journal 3. Check tracking 4. Spitzer schedule (3 loans) 5. Management dashboard
Jan: +₪12,790
Feb: +₪4,390
Mar: +₪2,287
Apr: -₪6,509
Nov: +₪1,740
Dec: +₪2,840
Choose your package

Which model fits your business?

One-time payment, no monthly subscription. The files are yours for good, with full guides and phone support for any question.

For small businesses and licensed dealers

Cash Flow Starter Model

1 bank account, 1 credit card, 1 business loan

₪249 one-time payment
Regular Price: ₪490 49% Online Savings
  • One bank account: full checking account tracking and control of your approved credit line (Chachad).
  • One credit card: card charges grouped by a fixed billing date (the 2nd, 10th or 15th).
  • One business loan on a Spitzer schedule: automatic split of principal (PPMT) and interest (IPMT).
  • Check tracking: post-dated checks from customers and to suppliers, synced to your cash flow.
  • Bimonthly VAT control at 18%: automatic calculation of output VAT against input VAT, due on the 15th.
  • 3 full user guides: in Hebrew, Russian and English.
  • Phone support: answers to your questions at 03-3021385.
  • Special bonus: a free 15-minute guidance and cash flow diagnostic call with an expert economist.
Purchase Starter Model (₪249)
Secure payment via Grow | Tax invoice and instant download
Most popular choice
For growing businesses and Ltd companies

Cash Flow Pro Multi-Bank

2 banks, 3 credit cards, 3 loans

₪390 one-time payment
Regular Price: ₪790 50% Online Savings
  • 2 bank accounts side by side: main and secondary bank with a combined opening balance and credit lines.
  • 3 credit cards: Visa, Mastercard and Amex charges synced to their billing days (2, 10, 15).
  • 3 Spitzer loans side by side: a state-guaranteed loan, an equipment loan and working capital.
  • Smart traffic-light indicator: shows the status of your bank credit line at a glance and helps you avoid overdrafts and penalty interest.
  • Lowest balance forecast: predicts the low point of the year so you can prepare before a cash gap hits.
  • 3 full user guides: Hebrew, Russian and English (with a glossary of terms).
  • Support and personal service: a dedicated phone line at 03-3021385.
  • Exclusive bonus for Pro buyers: an in-depth 15-minute diagnostic call with a senior economist to review your cash flow.
Purchase Pro Multi-Bank (₪390)
Secure payment via Grow | Tax invoice and instant download
How it is built

What is inside the financial model?

5 ready-made tabs, linked automatically, that save you hours of manual calculations and human error.

1. Settings and core data

One-time entry of opening balances, overdraft limits at each bank, the VAT rate (18%), income tax advances (5%) and National Insurance.

2. Transaction journal with automatic VAT

Record receipts and payments by category. Formulas pull out the net amount and the VAT and assign them to the right bimonthly reporting period.

3. Post-dated check tracking

Track incoming checks from customers and outgoing checks to suppliers. Changing a status to "cleared" updates the main cash flow in real time.

4. Spitzer schedule for loans (1 to 3)

Each monthly repayment is split into principal (PPMT), which reduces the liability, and interest (IPMT), which is tax-deductible, synced straight to the dashboard.

5. Credit line traffic light and lowest balance

A visual traffic-light indicator warns you ahead of time about an overdraft risk and finds the expected lowest balance in your account over the year.

6. Professional backing and support

A direct phone line at 03-3021385 and custom extensions for businesses with a non-standard financial structure.

Outsourced CFO for businesses

Want an expert economist to run
and tailor the cash flow to your business?

An Excel sheet is a great working tool. But if you deal with complex cycles, several bank accounts, overseas suppliers, employees and long "net+" payment terms, an outsourced CFO gives you a dedicated finance manager without the cost of a full-time hire.

A precise weekly cash flow plan (13 weeks ahead).
Negotiating with banks to expand credit lines and cut fees and interest.
Ongoing strategic support in management meetings and investment decisions.
Want to talk directly to Daniel Igelnik or the team?
03-3021385

Book a diagnostic and customization call

Leave your details and one of our expert economists will call you back for a first, no-obligation conversation.

FAQ

Everything you need to know about the cash flow model

Does the model work on both Windows and Mac?

Yes. The files use the standard Excel format (.xlsx) and work in every version of Microsoft Excel, as well as in Google Sheets, with no special software to install.

How and when do I get the files after payment?

Right after the secure payment, we email you a personal link to download a ZIP file with the Excel model and 3 user guides (in Hebrew, Russian and English). The link is valid for 7 days.

What if my credit structure is more complex (more than 2 banks or several loans)?

Model buyers get full professional backing. Call us at 03-3021385 and our economists will make custom adjustments for your business, or offer ongoing CFO support.

How do I use the 15-minute diagnostic and guidance call?

After downloading, open a WhatsApp chat in one click or call us directly at 03-3021385, pick a time that suits you and go through the model together with an expert economist.