Turning Numbers Into Opportunity

How one entrepreneur is reshaping cash flow for small businesses with an AI-powered approach that keeps relationships at the heart of the work.

It is late in the afternoon when Rosy, founder of Cash Velocity, leans back and smiles while describing what she has built. “I would think of it as having a world-class accounts receivable expert working 24/7 for your business, but at a fraction of the cost,” she explains. Her words land with quiet confidence, the kind of clarity that comes from years of knowing a problem inside and out. In her world, those problems look like unpaid invoices, overdue balances, and small business owners chasing money instead of chasing growth.

Rosy has spent a decade in collections, living in the details of accounts receivable. She knows the frustration of phone calls that go unanswered, the spreadsheets that never quite reconcile, and the toll it takes on entrepreneurs who are trying to stay afloat. But she also knows the possibilities of new technology, particularly artificial intelligence, and she saw an opening that others had overlooked.

From Experience to Innovation

Cash Velocity was not born from theory or a classroom concept. It grew from Rosy’s lived experience in the trenches of collections. For years, she worked hands-on with accounts receivable systems, guiding businesses through the messy process of chasing overdue payments. She understood not just the mechanics of the job but the human emotions tied to it.

When AI tools began flooding into every industry, Rosy saw their potential. But she also noticed a gap. Many AI-powered financial platforms cater to large enterprises with deep budgets, leaving small and medium-sized businesses priced out. “That’s where I decided to just create this hybrid model,” she says. “It combines AI, but of course, it still has the expertise of someone running it behind the scenes.”

Cash Velocity became her answer to that gap. A consulting firm powered by technology yet anchored by human understanding. A system that could handle the heavy lifting of monitoring, reminders, and analysis while allowing Rosy to focus on relationships with clients.

Learning Through Feedback

Like many entrepreneurs, Rosy found that her greatest challenge was not the technology itself but the human response to it. “The biggest challenge I’d say is getting more feedback,” she admits. “Every client is different, and their situations and collections are different. We have the foundation, we just want to get the feedback so we can constantly evolve it to what it needs to be.”

That willingness to adapt has become her compass. AI may handle 92 percent of the work, but the other eight percent belongs to her: the personal conversations, the problem-solving, the reassurance that someone understands their specific struggles. That balance, she believes, is what will carry the business forward.

A Hybrid Solution With Heart

Cash Velocity offers something rare in the financial services world. The AI manages the data, tracks patterns, analyzes cash flow, and sends reminders with tireless precision. Meanwhile, Rosy focuses on what cannot be automated: the trust and relationship between her firm and the client.

“Our unique solution, of course, with hybrid and the consulting side, helps out a lot,” she explains. “Traditional solutions are either too expensive or too basic. A lot of DIY tools leave business owners frustrated. Small to medium businesses, especially those with revenue between one and fifty million, are underserved. That is our edge. We solve the majority of the problems they face.”

For business owners, that means less time chasing overdue payments and more time focusing on growth. For Rosy, it means delivering a service that feels both modern and personal, an unusual combination in a space dominated by either cold technology or outdated manual methods.

Driven by Possibility

Rosy’s motivation is simple yet expansive. “What drives me is the possibilities of what AI can do in this industry since it’s constantly evolving,” she says. “It continues to motivate me to see what’s new, see what we can apply, see how we can help, and of course keep testing it out and hearing the feedback.”

Her curiosity keeps her ahead of the curve. Each new tool or update is a chance to refine her system, to experiment with better ways to help businesses untangle their cash flow. She approaches it not as a one-time build but as an evolving process, one that grows alongside her clients.

Building Through Community

At this stage, Cash Velocity is in what Rosy calls the “pre-selling” phase. Word of mouth has been the primary engine, with early adopters sharing their experiences and pointing others her way. She has also invested in opportunities to showcase the business to larger audiences, knowing that visibility is key to gathering the feedback that will shape the next version of her model.

She has set ambitious but achievable goals for the next year. Within 6 to 12 months, she envisions at least 30 members enrolled in her entry-level tier, 15 in the mid-tier, and five in the top tier. These milestones are not just numbers on a spreadsheet; they represent a growing network of businesses that can finally breathe easier knowing their accounts receivable are in good hands.

Why Cash Flow Matters

Behind every unpaid invoice is a story. A local shop is waiting on a vendor. A contractor is stuck in limbo after finishing a job. A company with payroll due but clients are slow to pay. Cash flow problems do not discriminate, and they can cripple even the most promising businesses.

Rosy has made it her mission to change that. By combining automation with empathy, she offers a system that allows businesses to reclaim their time and stabilize their finances. In doing so, she is not just improving bottom lines but preserving the energy and vision of entrepreneurs who might otherwise be weighed down by financial stress.

Looking Ahead With Purpose

Rosy knows she is building more than a consulting firm. She is creating a model that could change how small and medium businesses think about accounts receivable. Her hybrid approach proves that technology and humanity are not opposites but partners, each covering the gaps of the other.

As she refines her system and builds her community, one thing remains at the center of her work: relationships. “The AI does all the heavy lifting,” she says. “Instead of us focusing on that, we’re focusing on the relationship side.”

For Rosy, that is the future she is investing in. A future where businesses no longer chase payments in frustration but move forward with clarity, confidence, and cash flow that keeps pace with their ambition.

To learn more about Cash Velocity, visit the website at launchpad-business-ignite.lovable.app.

This feature is part of The Business View Journal’s Local Spotlight Series — your trusted source for discovering the best small businesses in your community.