Cash Forecast
13-Week Cash Forecast
Two views of the same forecast: a weekly projection using blended average receipts, and a daily model that captures the intra-month payroll cycle.
Overview
Current Cash
Weekly Low
Daily Low (with payroll)
The business has R5,164,323 in the bank today. But R154,000 of that is the director's loan — cash injected over time to cover timing gaps. Without the loan, the operating cash position would be negative.
This isn't a profitability problem — the business earns R172,468/month. It's a timing problem: the heaviest outflows land around day 25 of the month, but customer collections are spread across it. When a few large invoices are late in the same cycle, cash dips below what's needed — and the director tops up from personal funds.
The daily forecast below shows this pattern. The working capital page quantifies the structural fix.
Daily cash forecast
The daily model uses 6-month historical averages for each day of the month — capturing recurring patterns like a payroll trough and collection peaks where the bank history shows them. The sawtooth pattern is the real cash experience.
Weekly forecast
Receipts use the higher of known AR or average weekly collections (6-month history). Outflows use average weekly bank spend including payroll, tax, and all other payments.
Monthly cash cycle
The bank history shows a repeating intra-month pattern: the heaviest average outflows land around day 25, and the cumulative low point falls around day 12 — roughly R2,536,412 below the intra-month peak. That trough, not the month-end balance, is the real stress test.