Value Proposition: The Cash Flow Forecast pack combines operational data (Collections/Payments) with facilities and debt in a single model, resulting in Cash Flow Forecast + Debt Schedule + Facility Utilization + liquidity scenarios with Liquidity Headroom and an indexed deliverable for review.

In 20 seconds: What will you get?

• A Cash Flow Forecast model (Weekly Rolling + Monthly Horizon) with a clear assumptions schedule.
• Debt Schedule (Principal + Interest + Fees) linked to loan/facility data.
• A Facilities log (Limits/Utilization/Expiry) + Drawdowns/Repayments activity.
• Liquidity Headroom: Available liquidity margin/Funding Gap per week/month.
• Scenario Pack: Base Case / Downside / Stress + Sensitivities (Collections/Payments/FX/Rate).
• Reconciliation & Variance Log: “Actual vs Forecast” variances to update assumptions instead of changing the model each time.
• Treasury Pack for delivery: Forecast + Debt + Facilities + Assumptions + Support Index + Sign-off.

CTA related to outputs: Download the pack to prepare Cash Flow Forecast + Debt Schedule + Scenario Pack within a single Treasury Pack.

Suitable for

• Treasurer / Treasury Management needs a weekly (Rolling) forecast with a log of facilities and debts.
• Financial Controller needs to link cash flows to operations (AR/AP/Payroll) and deliverables that can be reviewed.
• CFO / FP&A needs liquidity scenarios and funding gaps before making decisions (Drawdown/Repayment/Deferral).

Not suitable for

• Those without a minimum of AR/AP data or bank statements/balances (a linkable forecast cannot be built without sources).
• Those seeking a “financing decision” or ready bank negotiation; the pack provides documentation, forecasting, and outputs, not financing consultation.

Without the pack / With the pack (short comparison)

Before use: 5 symptoms that weaken liquidity forecast accuracy

• The question “How much liquidity do we have in 4–8 weeks?” requires manual aggregation from multiple files.
• Large payments (Payroll/Tax/Debt service/Capex) surprise the team as they are not integrated into the forecast.
• Limits and expiry for facilities are unclear, or there is no schedule for drawdowns/repayments/interests.
• No link between the forecast and reality: no Actual vs Forecast to explain variances and update assumptions.
• Scenarios are managed by manually adjusting numbers without documentation (no Base/Downside/Stress or Sensitivity).

Cash Flow Forecast: Application Method (3 Steps Without Gaps)

Step 1: Preparation and Report Gathering

• Extract Bank balances (Opening cash) by account/currency.
• Extract operational Drivers: AR Aging / Collections plan + AP Aging / Payment plan + Payroll schedule.
• Compile financing obligations: Loan statements + Facility terms (Limit/Rate/Maturity/Fees) + available repayment schedule.
• Add non-operational items: Tax/VAT, Capex, Dividends if any, and any contracted payments.

Step 2: Build Forecast + Debt Schedule + Facilities + Variance Logs

• Build Cash Flow Forecast (Weekly Rolling / Monthly) with an Assumptions Table for each Driver (Collections/Payments/Timing).
• Build Debt Schedule (Principal/Interest/Fees) and link it to repayment dates and interest rates.
• Set up Facilities Register + Utilization (Drawdown/Repayment) and link it to the forecast.
• Open Variance Log: Record Actuals for the week/month against the forecast and explain variances to update assumptions.

Step 3: Scenarios + Liquidity Headroom + Treasury Pack

• Output Base / Downside / Stress with Sensitivities (Collections delay, Payment acceleration, FX, Rates) based on your data.
• Output Liquidity Headroom + Funding Gap at the weekly/monthly level + Coverage plan (using facilities/adjusting repayments) as an operational input.
• Compile an indexed Treasury Pack: Forecast + Debt + Facilities + Assumptions + Variance Log + Support Index + Sign-off.

Pack Components (Clear Inventory)

1. Cash Flow Forecast Model (Weekly Rolling + Monthly)
   • Practical Purpose: Build a cash flow forecast at the weekly/monthly level with reviewable assumptions.
   • When to Use: Weekly for updates + Monthly to finalize a Month-End version and review assumptions.
   • Output Evidence: Forecast Schedule + Assumptions Table + Approved version (Version/Date).
2. Working Capital Drivers (AR/AP/Payroll)
   • Practical Purpose: Convert AR/AP into a Collections/Payments plan instead of just “Aging numbers.”
   • When to Use: Weekly/Monthly based on your collection and payment cycle.
   • Output Evidence: Collections Schedule + Payments Schedule + Payroll Calendar within the Pack.
3. Facilities Register & Utilization
   • Practical Purpose: Document Limits/Expiry/Fees + track Utilization (Drawdown/Repayment) and link it to liquidity.
   • When to Use: Weekly during drawdowns/repayments + Monthly to update fees/obligations.
   • Output Evidence: Facilities Register + Utilization Schedule + Event List (Renewal/Expiry).
4. Debt Schedule (Principal + Interest + Fees)
   • Practical Purpose: A debt repayment schedule showing obligations, interests, and fees linked to the forecast.
   • When to Use: Monthly (Month-End) + Year-End expansion for delivery and audit.
   • Output Evidence: Debt Schedule + linked to statements + due dates.
5. Scenario & Sensitivity Pack
   • Practical Purpose: Run Base/Downside/Stress without undocumented manual adjustments, with clear Sensitivities.
   • When to Use: When collection/payment conditions change or during discussions on financing/new facilities.
   • Output Evidence: Scenario Outputs + Assumptions log for each scenario + Headroom comparison.
6. Liquidity Headroom & Funding Gap Log
   • Practical Purpose: Show “how much liquidity margin is available” and when a funding gap appears, with documentation of its cause.
   • When to Use: Weekly (Rolling) + Monthly for management delivery.
   • Output Evidence: Headroom Dashboard + Funding Gap Log + Link to Drivers.
7. Actual vs Forecast Reconciliation (Variance Log)
   • Practical Purpose: Explain variances instead of rebuilding the model: Is the variance due to delayed collections? Early payments? An unlisted item?
   • When to Use: Weekly/Monthly after Actuals appear.
   • Output Evidence: Variance Log + documented assumption updates (Assumption Change Log).
8. Treasury Pack Template (Closing/Management Pack)
   • Practical Purpose: Deliver a single file: Forecast + Debt + Facilities + Scenarios + Attachments instead of scattered files.
   • When to Use: Monthly as a Management Pack + Annually as Year-End Support if requested.
   • Output Evidence: Pack Index + Support Index + Sign-off for the approved version.

You will receive Cash Flow Forecast and Debt Schedule and Liquidity Headroom within a ready-to-deliver Treasury Pack.

What should be included in the delivery?

• Inputs & Assumptions Section: Collections/Payments assumptions table + Payroll/Capex/Tax assumptions + log of any changes (Assumption Change Log).
• Cash Position Section: Bank balances (Opening) by account/currency + any Cash movement restrictions outside operations if any.
• Cash Flow Forecast Section: Weekly Rolling forecast + Monthly forecast (by horizon) + Summary In/Out/Net for each period.
• Working Capital Section: Collections schedule + Payments schedule + linking them to AR/AP (report references/Exports).
• Facilities Section: Facilities Register (Limit/Expiry/Rate/Fees) + Utilization schedule (Drawdown/Repayment) + Renewal/Expiry events.
• Debt Schedule Section: Principal + Interest + Fees + due dates + reference to statements.
• Scenarios Section: Base/Downside/Stress outputs + Sensitivities + impact of each scenario on Headroom/Funding Gap.
• Variance Section: Actual vs Forecast + explanation of variances + decision to update assumptions or include a new item.
• Support Index Section: An index of attachments linking each table to its source (Bank/ERP reports/Statements) for easy Traceability.
• Sign-off Section: The approved version + period/horizon + who approved + approval date + currency/account scope.

After application (only two points)

• Operational outcome for the team: The forecast is updated weekly from the same model (Drivers + Debt + Facilities) instead of rebuilding a new file each time a financing event or large payments change.
• Control/Audit outcome: Traceability: Any number in the Forecast/Headroom can be traced back to a Driver or Statement or Facility/Debt schedule within the Treasury Pack with Support Index.

FAQ — Questions Before Purchase

Is the pack suitable for any accounting/ERP system?

Yes, provided it can extract AR/AP and Bank balances or bank statements, in addition to debt/facility statements. The approach relies on data, not the system name.

Does it support a 13-week rolling forecast?

Yes. The forecast is set up on a Weekly Rolling basis, and a Monthly horizon can be added as needed by management.

Does it work with multi-currency companies?

Yes, if bank account data and AR/AP are available by currency. A forecast can be built separated by Currency and then consolidated or presented separately according to management policy.

Does the Debt Schedule cover everything (Interest/Fees/Principal repayment)?

Yes, the Debt Schedule covers Principal + Interest + Fees as available in Terms/Statements. The accuracy of the interest depends on the availability of a rate/reference (Fixed/Floating) in your data.

Does it cover facilities and drawdowns/repayments?

Yes. There is a Facilities Register + Utilization schedule to document Limits and Drawdowns and Repayments and expiry dates.

What is the minimum data required to get started?

Bank balances (Opening) + AR/AP or a Collections/Payments plan + Payroll schedule + Loan/Facility statements/terms. Any additional items (Capex/Tax) are added according to your activity.

Is it suitable for holding companies/multi-entity companies?

Yes. A forecast can be executed for each entity and then consolidated into a view, while maintaining a separate Pack for each entity when follow-up is needed.

Is there a ready delivery template for management or internal review?

Yes. The Treasury Pack is indexed: Forecast + Debt + Facilities + Scenarios + Variance + Support Index + Sign-off.

Ready to deliver a traceable liquidity forecast instead of undocumented numbers?

Outputs: Cash Flow Forecast + Debt Schedule + Facilities Utilization + Scenario Pack + Liquidity Headroom within a Treasury Pack.