Daniels BudgetWorks Advisory · Sample Work
12-month cash-flow forecast
See when cash could fall below a $250,000 operating reserve, then explore collections pressure and a phased equipment purchase.
Illustrative sample · Fictional business data · No client information
Opening cash$420kOctober 1, 2026
Lowest month-end cash$105kAcross the selected scenario
Reserve shortfall$145kMaximum gap below $250k
Ending cash$305kSeptember 30, 2027
Projected month-end cash
Cash balance$250k reserve
USD thousands
Cash movement by month
| Month | Opening | Receipts | Operating | Capex | Debt service | Net change | Closing |
|---|---|---|---|---|---|---|---|
| Oct 26 | 420 | 720 | 690 | 0 | 25 | 5 | 425 |
| Nov | 425 | 740 | 710 | 60 | 25 | (55) | 370 |
| Dec | 370 | 800 | 730 | 0 | 25 | 45 | 415 |
| Jan 27 | 415 | 670 | 720 | 160 | 25 | (235) | 180 |
| Feb | 180 | 680 | 710 | 0 | 25 | (55) | 125 |
| Mar | 125 | 740 | 735 | 0 | 25 | (20) | 105 |
| Apr | 105 | 760 | 720 | 0 | 25 | 15 | 120 |
| May | 120 | 790 | 740 | 0 | 25 | 25 | 145 |
| Jun | 145 | 820 | 750 | 0 | 25 | 45 | 190 |
| Jul | 190 | 780 | 730 | 0 | 25 | 25 | 215 |
| Aug | 215 | 810 | 750 | 0 | 25 | 35 | 250 |
| Sep | 250 | 850 | 770 | 0 | 25 | 55 | 305 |
Planning response
- Confirm the equipment supplier will accept phased delivery and payments before changing the plan.
- Review collections weekly and refresh receipts using expected payment dates.
- Evaluate available liquidity before committing funds; the model assumes no new borrowing.
Assumptions and scope
Opening cash is $420k. Debt service is $25k per month. Operating outflows are assumed cash payments covering inventory, payroll, overhead, and taxes; they are not the income-statement expenses.
The receipts stress reduces each month’s cash receipts without a later catch-up. Phasing capex changes timing only; total equipment spending stays $220k. Month-end balances may mask intra-month needs.
Put this kind of analysis to work.
Discuss the financial questions, reporting gaps, or planning decisions facing your organization.