4 Min Read | December 12, 2023
How to use the Cash Flow tab in American Express Business BlueprintTM
The Cash Flow tab uses live data from your select American Express products and linked external bank and card accounts to organize, display, and calculate the money in and out of your business over your selected periods.
The Cash Flow tab's charts and graphs can help you organize and display your data in three ways:
Cash flow. View the money in and money out of your business together over a selected period to identify gaps.
Money in. Track money coming into your business over a selected period.
Money out. See the flow of money out of your business over a selected period.
This guide will help you understand the many ways that Business Blueprint can help you better understand your cash flow.
After logging into your Business Blueprint dashboard, select the first tab within “Insights” on the top left side of the page.
By default, you will see a line chart showing your cash flow for the current month, aggregated across all your accounts, in the middle of the page. An itemized list of your transactions will appear below.
For illustrative purposes only
What is cash flow?
It’s a term you’ve probably seen around. Cash flow is the amount of cash that comes into and goes out of a business, and it’s an important indicator of financial health.
Want to have a better understanding of cash flow and how you can boost it? Check out this article.
Step 1: Hover over any point of the graph
Placing your cursor over any point on the line graph will generate a small tooltip box on the graph, showing your cash flow for that day.
To view information for a different day, simply move your cursor left or right along the line.
For illustrative purposes only
Step 2: Choose which data is displayed on the graph
You can change what data is displayed on the graph by using the drop-down boxes on the right side, above the graph.
These allow you to change the period under review as well as which accounts are included. Your options include weekly, monthly, and quarterly breakdowns, as well as the ability to view a custom date range.
When viewing any period other than “Current Month,” the data will be displayed as stacked bar graphs representing money in (green) and money out (red). Hovering over any part of a bar will generate a tooltip with a breakdown of your money in, money out, and cash flow for that period.
For illustrative purposes only
Why don’t I see any data?
At the start of a new month, you may not have any money in or money out transactions. In this case the Cash Flow page will show a zero-dollar balance, and there will be no transactions listed below the chart. Data will begin to appear as new transactions are processed.
If you do not have a business bank account currently linked to Business Blueprint there will not be any data to display, and you will see a message indicating “No linked accounts.”
To add data sources to your account, follow these instructions to link a new account.
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American Express Business Blueprint™ is the small business digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Small Business Credit Cards, the American Express® Business Line of Credit, American Express® Business Checking, and American Express® Payment Accept. The customer can also choose to link their third party issued business bank accounts and business credit cards to Business Blueprint. Not all third party accounts or cards are able to be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and to track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. Business Blueprint provides a 30-day bank account balance projection, using the daily balances from the customer’s linked bank accounts from the last 90 days. To be used in the account balance projection, the customer’s bank account must have at least 90 days of data available. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, projections, data or account information that are available to the customer from Business Blueprint.
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