Cash-flow Forecast (demo) - no. 102

Thirteen weeks, direct method - scenario: buy the truck in week 3

Cash today

$62.4k

across operating and payroll accounts

Lowest closing balance

$31.3k

week 3, Aug 10, below the $42k payroll floor

Weeks below floor

every red cell is a week payroll is at risk

13-week net

+31.6k

after the truck, ends at $94.0k

Closing balance by week

The weekly model - every figure in thousands, closing chains to next opening

Week of	Wk 1 Jul 27	Wk 2 Aug 03	Wk 3 Aug 10	Wk 4 Aug 17	Wk 5 Aug 24	Wk 6 Aug 31	Wk 7 Sep 07	Wk 8 Sep 14	Wk 9 Sep 21	Wk 10 Sep 28	Wk 11 Oct 05	Wk 12 Oct 12	Wk 13 Oct 19
Opening cash	62.4	73.8	68.3	31.3	36.2	42.0	34.6	57.8	45.9	66.2	66.6	81.4	84.0
Cash in
Collections from receivables	24.2	27.6	21.4	29.0	24.8	22.2	31.5	26.3	38.7	33.4	25.9	28.1	27.6
Cash and card sales	6.1	5.8	6.4	5.2	6.0	5.7	6.3	5.5	5.9	6.2	5.6	6.1	5.8
GST refund	-	-	-	-	-	4.8	-	-	-	-	-	-	-
Total receipts	30.3	33.4	27.8	34.2	30.8	32.7	37.8	31.8	44.6	39.6	31.5	34.2	33.4
Cash out
Payroll	-	21.4	-	21.4	-	21.9	-	21.9	-	21.9	-	21.9	-
Payroll remittances	-	-	5.6	-	5.6	-	5.8	-	5.8	-	5.8	-	5.8
Rent, three locations	7.2	-	-	-	7.2	-	-	-	7.2	-	-	-	7.2
Suppliers and materials	9.8	8.4	11.2	7.9	10.3	9.1	8.8	10.6	9.4	8.2	10.9	9.7	8.5
Truck purchase	-	-	48.0	-	-	-	-	-	-	-	-	-	-
Loan payment	-	3.1	-	-	-	3.1	-	-	-	3.1	-	-	-
Insurance	1.9	-	-	-	1.9	-	-	-	1.9	-	-	-	1.9
GST remittance	-	-	-	-	-	-	-	11.2	-	-	-	-	-
Owner draws	-	6.0	-	-	-	6.0	-	-	-	6.0	-	-	-
Total disbursements	18.9	38.9	64.8	29.3	25.0	40.1	14.6	43.7	24.3	39.2	16.7	31.6	23.4
Net movement	+11.4	-5.5	-37.0	+4.9	+5.8	-7.4	+23.2	-11.9	+20.3	+0.4	+14.8	+2.6	+10.0
Closing cash	73.8	68.3	31.3	36.2	42.0	34.6	57.8	45.9	66.2	66.6	81.4	84.0	94.0

> the truck in week 3 puts closing cash below the payroll floor in weeks 3, 4, 6
> move the purchase to week 9, after the Fraser Homes and Hilltop collections, and the floor holds all thirteen weeks
> receivables assumption: collections follow your actual last-90-day payment patterns per customer, not hope