Debt Management

See every pound you owe —
and exactly when it's due

Credit cards, supplier credit, BNPL, bank loans — SmartBuys tracks all your business liabilities in one place and factors them into your cashflow so you're never caught short.

£0

unexpected debt surprises

100%

of liabilities tracked automatically

Real-time

repayment alerts

Liability tracker

All your credit lines in one view

SmartBuys tracks every credit card, supplier payment term, and business loan. You see your total outstanding balance, what's due and when, and how it affects your deployable cash this week.

Capital on Tap, Amex, Lloyds, Tide — all tracked

Supplier net-30/60 terms factored into cashflow

Repayment due dates flagged in your cashflow forecast

Outstanding balance excluded from safe-to-spend automatically

Debt & Liabilities3 active

Total owed

£8,420

Due this week

£1,200

Due this month

£4,820

Available credit

£16,580

Capital on Tap−£3,200

Due Friday 13 Jun · £1,200 minimum

Amex Business−£2,980

Due 22 Jun · Full balance

Supplier — Braun (Net 30)−£2,240

Due 28 Jun · Invoice #INV-4821

Cashflow integration

Debt repayments automatically factored into your forecast

Every repayment date feeds directly into your 6-week cashflow forecast. SmartBuys knows your Capital on Tap is due Friday and deducts it from your deployable cash before you even ask.

Repayment dates mapped to exact cashflow days

Safe-to-spend recalculates in real time as debt changes

Alerts when a repayment clashes with a low-cash week

Full credit ledger — every spend tracked by purchase date

Credit ledger — June 2026

Capital on Tap — stock purchase

3 Jun · Braun order

−£1,840

Capital on Tap — stock purchase

5 Jun · Oral-B order

−£1,360

Capital on Tap — repayment