Effective cash management is key to small businesses' success, but it is meaningless without an understanding of future cash-flow projection. Businesses often deal with seasonality and sales downturns, late-paying customers, and unexpected expenses. Without a forward-looking view of cash flow, it can be difficult to plan for payments to creditors and employees, potentially endangering the viability of the business. Alternatively, a lack of insight into future balances can cause small businesses to leave potential investment revenue opportunities on the table. Unfortunately, the majority of small businesses do not have internal or external expertise in cash-flow projection, and banks are not much help today. This report explores the variety of opportunities available to innovative banks and third-party providers to help small-business clients by incorporating cash-flow analysis and projection into digital solutions.