13-week cash flow forecast

The direct method, week by week: what comes in, what goes out, and what the revolving facility has to do to hold your minimum cash. Nothing is uploaded and nothing leaves this page.

Opening position

Opening cashBank balance at the start of week 1. Minimum cash to holdThe floor the facility is drawn to protect. Revolver limitTotal facility available. Revolver drawn todayBalance already outstanding. Revolver rate, % a yearInterest accrues weekly on the balance. Opening receivablesCollected on the curve below. Opening payablesPaid on the curve below.

Collection and payment curves

The share of the opening balance that lands in each week. Take these from the aged debtor and creditor listings, not from an average DSO. Each row should total about 100%.

Curve	W1	W2	W3	W4	W5	W6	W7	W8	W9	W10	W11	W12	W13

Weekly receipts and disbursements

New business only: the opening balances are handled by the curves above. One row each, in your currency.

Line	W1	W2	W3	W4	W5	W6	W7	W8	W9	W10	W11	W12	W13

The workbook: the same build, with the bridge and the Monday variance loop13-Week Direct Cash Flow Forecast, $39: Inputs, Receipts, Disbursements, Forecast, WC bridge, Variance and Guide sheets. The revolver logic was recomputed in Python and matched cell by cell before listing.

See the workbook

Method: direct cash flow. Each week: opening cash, plus receipts (opening receivables on the collection curve, plus the receipt lines), less disbursements (opening payables on the payment curve, plus the disbursement lines), less revolver interest at rate divided by 52 on the opening balance. If the result is below the minimum cash, the facility is drawn by the shortfall, capped at the remaining availability; if it is above, the surplus repays the balance. A week where the cap binds is flagged: that is the week the facility runs out. This page follows the logic of the Bindler workbook; it is not financial advice.