Cash Flow Projector

Projects future cash flows for business planning, investment decisions, and financial health monitoring. Covers operating cash flow, working capital, seasonal patterns, and scenario analysis.

Usage

Provide current monthly revenue, expenses, receivables, payables, and any known upcoming cash events (investments, loan payments, seasonal patterns). Specify the projection period and any planned changes to the business.

Examples

• "Project monthly cash flow for my startup over the next 12 months with current burn rate and expected revenue growth"
• "Model cash flow scenarios (best/base/worst) for a seasonal retail business through the holiday quarter"
• "Calculate our runway in months based on current cash, monthly burn, and expected revenue trajectory"

Guidelines

• Project cash flow, not just profit; profitable businesses can run out of cash due to timing mismatches
• Model accounts receivable collection timing; money invoiced is not money received
• Build in seasonal patterns if your business has them; monthly averages hide dangerous cash flow valleys
• Create three scenarios (optimistic, base, pessimistic) and plan for the pessimistic to avoid surprises
• Review and update projections monthly as actual results come in; stale projections give false confidence