Traders
Cashflow OS for traders
A trading business makes money in the gap between the buying rate and the selling rate, and loses it in the gap between selling and getting paid. Cashflow OS shows both sides of that from your TallyPrime books on the phone: what you bought, what you sold, who owes you and whom you owe.
- Buyer and supplier dues together
- Ledger in hand on every call
- Receipts posted from the road
- Stays in your Tally
Start free trialBook a free demo
Works with your TallyPrime14-day free trialJaipur team, call +91 70738 53555
Built for traders
Who it’s for
- Steel and iron tradersRods, sheets and pipes sold by tonne and piece
- Grain and pulses tradersBulk buying, sales to mills and wholesalers
- Chemical tradersDrums and bags to factories on credit
- Electrical goods tradersWires, switchgear and fans to contractors
- Building material tradersCement, bricks and aggregates to sites
- Yarn and fabric tradersBales and rolls to weavers and garment units
- Plastic and polymer tradersGranules by the bag at rates that move daily
- Paper and packaging tradersReels and boards to printers and box makers
Pain → fix
The problems we fix
The everyday headaches of traders, and what changes when the books are on every phone.
- The problemQuoting a rate without knowing how the buyer pays
The sharpest rate goes to the buyer who is already 70 days late.
With Cashflow OSParty balance and ageing open on the phone mid-callLive balances and bill-wise ageing from Tally are a few taps away, so the rate can reflect the risk.
See how it works - The problemSupplier bills paid late, next rate gets worse
A good supplier remembers who paid on time when the market tightens.
With Cashflow OSSupplier bills due this week, listed bill by billBill-wise payables with ageing show what falls due, so payments go out in order, not to whoever calls loudest.
See how it works - The problemCheque collected at the buyer's, entered days later
Until then his statement shows the old balance and the next call starts with an argument.
With Cashflow OSRecord the receipt there and post it into TallyOnce you switch writing on, the receipt goes into Tally through the connector and Tally validates it.
See how it works - The problemMargin known only when the CA closes the year
By then a quarter of thin margins may already have gone in interest and discounts.
With Cashflow OSProfit & Loss for the month so far, matching TallyProfit & Loss, Balance Sheet and stock summaries come from your Tally books for any period, with Excel and PDF export.
See how it works - The problemTruck loaded, nobody free to make the e-way bill
The driver waits while the one person with the portal login finishes something else.
With Cashflow OSE-way bill made on the Tally sales voucher from the appOn plans that include it (Pro+), generate the e-way bill or IRN with your own API login; the number is written back onto the Tally voucher.
- The problemTwo or three firms, each checked on the Tally PC
Proprietorship, partnership and a family firm each need opening one by one.
With Cashflow OSAll your Tally companies in one accountSwitch between firms in the app and see each one's balances, dues and reports.
See how it works
Features
How Cashflow OS works for traders
Both sides of credit on one screen
How it works. Bill-wise receivables and payables with ageing come from your Tally books. Check what a buyer owes before you agree a deal, and what you owe before you book the next lot.
- Oldest bills first, so the hard conversation starts there
- Payables due this week next to receivables overdue
- Same figures as Tally, no separate register
In practiceBefore selling 20 tonnes of TMT bars to a regular buyer, Suresh sees ₹3,40,000 pending from him, ₹1,10,000 past 60 days, and asks for part payment with the order.
Entries from the road, checked by Tally
How it works. Once writing is on, sales, purchase, receipt and payment vouchers are made on the phone or web and posted through the connector. Items show their alternate units from Tally on the entry.
- Enter in tonnes or pieces, bags or kg, as the item is set up in Tally
- A refused entry comes back with Tally's own reason
- GST worked out from the item and the party's state
In practiceA buyer orders MS angle in tonnes but counts it in pieces at delivery. The sales entry shows both units, and the voucher is in Tally the same afternoon.
Profit and stock before the year ends
How it works. Profit & Loss, Balance Sheet, stock summaries and top customers come from Tally for any month, quarter or custom range, with Excel and PDF export.
- See margin slipping in the month, not at year-end
- Custom ranges that span financial years
- Export for the bank or the CA in a few taps
In practiceThe bank asks for a provisional P&L for the CC renewal. The owner exports April to October from the web app and sends it the same day.
Statements that settle a balance dispute
How it works. Open any party's ledger with its live balance and share the statement as a PDF in Tally's format or as a Hindi हिसाब page on WhatsApp.
- The bill list ends the argument, not a phone shouting match
- English or Hindi, as the buyer prefers
- Payment reminders from the same screen
In practiceA buyer says he owes ₹1,85,000, not ₹2,12,000. The statement goes on WhatsApp during the call, and the ₹27,000 bill of 14 September is right there.
GST views, e-invoice and e-way bill
How it works. GSTR-1 and GSTR-3B views are prepared from your Tally data with JSON for the portal. On Pro+, the IRN and e-way bill are made for a synced Tally sales voucher.
- HSN-wise detail to catch a wrong code before filing
- IRN, QR and e-way bill number written back onto the voucher
- Vehicle details (Part-B) updated when the truck changes
In practiceThe transporter swaps the truck at the last minute. The dispatch clerk updates the vehicle number on the e-way bill from the app; the return itself is still filed on the GST portal.
Know your trade
A guide for traders
How the business works, where money gets stuck, and the GST points to watch.
How a trading business works
Traders buy finished goods and sell them on without changing them: steel, grain, chemicals, electrical goods, building material, yarn. Volumes can be large and margins small, sometimes only a few per cent. A trader often has a handful of big suppliers and many buyers, and both sides run on credit. Deals are closed on the phone, rates move with the market, and the trader's real skill is knowing at any moment what he holds, what he has committed and what he is owed.
TallyPrime usually carries the billing, stock and GST. What a trader needs on top is speed: the ledger in front of him when the buyer calls, not ten minutes later.
Where traders leak margin
Take a trader who buys at ₹100 and sells at ₹104, a 4% gross margin on cost. If the buyer pays in 60 days but the supplier is paid in 30, the trader is financing 30 days of sales. At 12% a year interest on a CC account, 30 days costs about 1% of the sale value. A quarter of the margin is gone before any expense. Our explainer on gross margin versus markup shows why the base you calculate on matters.
- Rates without context: quoting a regular buyer without checking how slowly he has been paying.
- Payables ignored: paying suppliers late can cost you the next good rate.
- Year-end surprises: margin known only when the CA closes the books.
What Cashflow OS shows a trader
- Home: sales, purchases, receipts, payments, cash and bank for today, the month or the year, against the period before.
- Both sides of credit: bill-wise receivables and payables with ageing.
- Party ledgers: live balances synced from Tally, with statements as PDF or a Hindi हिसाब page on WhatsApp.
- Reports: Profit & Loss, Balance Sheet, Trial Balance, Day Book, stock summaries, top customers and a cashflow forecast, for any financial year or a custom range across years, with Excel and PDF export.
- Several firms: traders often run more than one Tally company; all can sit in one account.
Booking entries away from the office
Once the owner switches writing on for a company, vouchers can be created from the phone or the web app and posted into Tally through the connector: sales, purchase, receipt, payment, journal, contra, credit and debit notes, orders and more. Tally checks each entry by its own rules; a refused one comes back with Tally's reason, so nothing gets into the books that Tally would not accept. GST is worked out from the item and the party's state.
A practical use: you collect a ₹2,50,000 cheque at a buyer's office. Record the receipt there and then, against the right bills, instead of telling the accountant in the evening. The bill-wise outstanding updates once the receipt is in Tally, and the buyer's next statement is already correct. The same works in reverse for a supplier payment made from the road. If you prefer the accountant to keep entering everything, simply leave writing switched off; the reading side works on its own.
A weekly review for a trading firm
| Check | Why |
|---|---|
| Receivables over 45 days | Old money is where bad debts start |
| Payables due in 7 days | Keep supplier credit and rates intact |
| Top customers this month | See whether volume is concentrated in one or two buyers |
| Cash and bank book | Match against the bank and spot gaps early |
| Profit & Loss, month to date | Catch margin slipping before the quarter ends |
For the policy side of credit, see setting credit limits for customers.
GST for traders
Trading firms usually file GSTR-1 and GSTR-3B regularly, and errors in party GSTINs or HSN codes cause mismatches for buyers. Cashflow OS prepares GSTR-1 and GSTR-3B views from the Tally data, with a JSON download for the GST portal. GSTR-1 tiles open bill-wise and HSN-wise detail, which makes it easier to spot a wrong code before filing. The return itself is filed on the GST portal. This is general information, not tax advice; check current rules on gst.gov.in.
This page is general information for Indian businesses, not tax, legal or financial advice. Rules and rates change — check the official portals or your CA before acting.
Set-up
Up and running in 4 steps
No new software to learn for your accountant — Tally stays as it is.
- 1
Install the Tally Connector on the PC where TallyPrime runs
- 2
Sign in with your mobile number and scan the QR the connector shows
- 3
Add each Tally company you trade through and check the balances
- 4
Invite your accountant and staff by link; switch on writing when ready
Buyer’s checklist
What to look for in software for traders
Whatever you choose, check these before you commit.
- Receivables and payables, bill-wise with ageing, from the same books
- A party's balance and statement on the phone while the buyer is on the call
- Entries checked by Tally's own rules, not kept in a second set of accounts
- Sales and purchase entries in the units you trade in, with alternate units
- Profit & Loss and stock figures for any month, not only at year-end
- Several firms or Tally companies under one login
- E-invoice and e-way bill made on the same sales voucher that sits in Tally
- Roles, so a clerk can book entries without seeing your margins
Plans
Simple yearly plans
- 14-day free trial on your own books
- 3-year term saves up to 25%
- Premium modules (catalogue, field force, price lists, store…) priced extra
Start free trialGet the price for your business
Compare all plans- Growth₹3,000/year + GSTBooks, reports, outstanding and sharing
- Pro₹5,000/year + GSTEverything in Growth, plus entries into Tally
- Pro+₹7,000/year + GSTEverything in Pro, plus e-invoice and e-way bill
Why Cashflow OS
Why traders choose Cashflow OS
- Built on the Tally you already keepThe connector syncs your TallyPrime books; your accountant keeps working in Tally as before.
- Both sides of credit in one placeWhat buyers owe you and what you owe suppliers, bill by bill with ageing.
- Tally checks every entryVouchers go through the connector and Tally validates each one; a refused entry comes back with the reason.
- E-way bill without the portal scrambleOn Pro+, make the IRN and e-way bill for a Tally sales voucher and update Part-B from the app.
- Hindi and EnglishEach person picks the language for the app and reports; statements also go out as a Hindi हिसाब page.
- 14 days free on your own booksTry it on your real Tally data before you pay; switch on modules only when you need them.
