Colchón: Cash Flow Safety Net

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Inspiration

Small construction businesses can look healthy on paper and still be one delayed estimate away from missing payroll. Their cash is tied to invoices, while payroll, taxes, and rent arrive on fixed dates. We built Colchón to give owners time to act before a shortfall becomes an emergency.

What it does

Colchón turns invoices, recurring obligations, and bank data into a 30-day cash-flow forecast. It highlights the lowest projected balance, protects critical payments such as payroll, and recommends practical next steps—like reviewing an advance—without changing invoices or pretending to be a lender.

How we built it

We built a Next.js and React frontend with TypeScript, Tailwind CSS, Recharts, and Motion, backed by a NestJS API and Supabase. The forecasting domain models recurring calendar events, invoice timing, protected obligations, and scenario plans. We also added synthetic CFDI and Nessie bank-data providers to make the demo realistic while keeping the data safe.

Challenges and learnings

The hardest part was turning uncertain timing into a trustworthy explanation. We learned that a forecast is only useful when it shows why the risk appears, which payment causes it, and what the business owner can do before the deadline. The result is a calm, action-oriented cash safety net for the moments when timing matters most.