Cash Flow Forecast

You are a treasury analyst. Create a detailed cash flow forecast.

**Company:** {company_name}
**Forecast Period:** {months} months
**Current Cash:** ${current_cash}

Build rolling cash flow forecast:

**1. Cash Flow Forecast:**

| Month | Jan | Feb | Mar | Apr | May | Jun |
|-------|-----|-----|-----|-----|-----|-----|
| **Beginning Cash** | ${jan_begin} | ${feb_begin} | ${mar_begin} | ${apr_begin} | ${may_begin} | ${jun_begin} |
| | | | | | | |
| **Cash Inflows** | | | | | | |
| Collections from Sales | ${jan_coll} | ${feb_coll} | ${mar_coll} | ${apr_coll} | ${may_coll} | ${jun_coll} |
| Other Income | ${jan_other} | ${feb_other} | ${mar_other} | ${apr_other} | ${may_other} | ${jun_other} |
| **Total Inflows** | ${jan_in} | ${feb_in} | ${mar_in} | ${apr_in} | ${may_in} | ${jun_in} |
| | | | | | | |
| **Cash Outflows** | | | | | | |
| Supplier Payments | ${jan_supp} | ${feb_supp} | ${mar_supp} | ${apr_supp} | ${may_supp} | ${jun_supp} |
| Payroll | ${jan_pay} | ${feb_pay} | ${mar_pay} | ${apr_pay} | ${may_pay} | ${jun_pay} |
| Rent | ${jan_rent} | ${feb_rent} | ${mar_rent} | ${apr_rent} | ${may_rent} | ${jun_rent} |
| Marketing | ${jan_mkt} | ${feb_mkt} | ${mar_mkt} | ${apr_mkt} | ${may_mkt} | ${jun_mkt} |
| Other Expenses | ${jan_exp} | ${feb_exp} | ${mar_exp} | ${apr_exp} | ${may_exp} | ${jun_exp} |
| **Total Outflows** | ${jan_out} | ${feb_out} | ${mar_out} | ${apr_out} | ${may_out} | ${jun_out} |
| | | | | | | |
| **Net Cash Flow** | ${jan_net} | ${feb_net} | ${mar_net} | ${apr_net} | ${may_net} | ${jun_net} |
| **Ending Cash** | ${jan_end} | ${feb_end} | ${mar_end} | ${apr_end} | ${may_end} | ${jun_end} |
| | | | | | | |
| **Minimum Required** | ${min_cash} | ${min_cash} | ${min_cash} | ${min_cash} | ${min_cash} | ${min_cash} |
| **Surplus/(Deficit)** | ${jan_surplus} | ${feb_surplus} | ${mar_surplus} | ${apr_surplus} | ${may_surplus} | ${jun_surplus} |

**2. Collection Assumptions:**

**Accounts Receivable:**
- Sales terms: {payment_terms}
- Collection pattern:
  - {collect_pct_1}% in month of sale
  - {collect_pct_2}% in 30 days
  - {collect_pct_3}% in 60 days
  - {bad_debt_pct}% uncollectible

**Forecasted Sales:**
| Month | Sales | Month 0 | +30 days | +60 days | Total Collections |
|-------|-------|---------|----------|----------|------------------|
| Jan | ${jan_sales} | ${jan_m0} | - | - | ${jan_coll} |
| Feb | ${feb_sales} | ${feb_m0} | ${jan_m30} | - | ${feb_coll} |
| Mar | ${mar_sales} | ${mar_m0} | ${feb_m30} | ${jan_m60} | ${mar_coll} |

**3. Payment Assumptions:**

**Accounts Payable:**
- Payment terms: {vendor_terms}
- Payment pattern:
  - {pay_pct_1}% immediate
  - {pay_pct_2}% in 30 days
  - Take early payment discounts: {yes/no}

**Fixed Costs:**
- Rent: ${rent}/month (paid on day {rent_day})
- Payroll: ${payroll}/month (paid on day {payroll_day})
- Insurance: ${insurance}/month
- Utilities: ${utilities}/month

**4. Cash Flow Scenarios:**

**Base Case:** ${base_case_ending}
**Best Case (+20% revenue):** ${best_case_ending}
**Worst Case (-20% revenue):** ${worst_case_ending}

**5. Liquidity Analysis:**

**Current Ratios:**
- Quick Ratio: {quick_ratio}
- Current Ratio: {current_ratio}
- Days Cash on Hand: {days_cash}

**Covenants:**
- Minimum cash balance: ${min_cash_covenant}
- Current status: {covenant_status}

**6. Funding Requirements:**

**Cash Shortfalls Identified:**
| Month | Shortfall | Duration | Recommended Action |
|-------|-----------|----------|-------------------|
| {month_1} | ${shortfall_1} | {days_1} days | {action_1} |
| {month_2} | ${shortfall_2} | {days_2} days | {action_2} |

**Funding Options:**
1. **Line of Credit:**
   - Available: ${loc_available}
   - Cost: {loc_rate}% annual
   - Recommended draw: ${loc_draw}

2. **Term Loan:**
   - Amount: ${loan_amount}
   - Term: {loan_term} months
   - Rate: {loan_rate}%

3. **Equity Investment:**
   - Amount needed: ${equity_needed}
   - Dilution: {dilution}%

**7. Working Capital Optimization:**

**Opportunities to Improve Cash Flow:**

**Accelerate Collections:**
- Offer {discount}% discount for payment within {days} days
- Expected impact: +${collection_impact}

**Delay Payments:**
- Negotiate extended terms with suppliers
- Expected impact: +${payment_impact}

**Reduce Inventory:**
- Target inventory days: {target_inv_days}
- Current inventory days: {current_inv_days}
- Expected cash release: ${inventory_cash}

**8. Key Metrics:**

**Cash Conversion Cycle:**
- Days Sales Outstanding (DSO): {dso} days
- Days Inventory Outstanding (DIO): {dio} days
- Days Payable Outstanding (DPO): {dpo} days
- **Cash Conversion Cycle: {ccc} days**

Target: Reduce to {target_ccc} days

**9. Alerts & Actions:**

**🔴 Critical (Immediate Action Required):**
- {critical_alert_1}
- {critical_alert_2}

**🟡 Warning (Monitor Closely):**
- {warning_1}
- {warning_2}

**🟢 Healthy:**
- {healthy_1}
- {healthy_2}

**10. Recommendations:**

**Short-term (Next 30 days):**
1. {rec_short_1}
2. {rec_short_2}

**Medium-term (Next Quarter):**
1. {rec_medium_1}
2. {rec_medium_2}

**Long-term (Next Year):**
1. {rec_long_1}
2. {rec_long_2}

Provide: 12-month rolling forecast + scenarios + funding plan + recommendations.