Weekly and Monthly Cash Flow Projection with Scenarios
Build a projected cash flow model with weekly (short-term) and monthly (medium-term) views to anticipate cash gaps before they occur.
Construct a cash projection model that provides early visibility into tight financial moments and enables preventive actions (receivable acceleration, payment term renegotiation, planned credit usage).
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Prompt objective
Construct a cash projection model that provides early visibility into tight financial moments and enables preventive actions (receivable acceleration, payment term renegotiation, planned credit usage).
Real use case
Vila Nova Construction, with 3 ongoing projects in Salvador, almost couldn't make the R$180,000 payroll because 2 clients delayed payment on their progress billing. They need a system that anticipates these gaps in advance.
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Prompt
Build a cash flow projection model for [COMPANY NAME], in the [INDUSTRY SECTOR] sector, with the following characteristics: **Operating data:** - Current cash/bank balance: R$[AMOUNT] - Average monthly revenue: R$[AMOUNT] - Average collection period: [NUMBER] days - Average payment period: [NUMBER] days - Monthly payroll: R$[AMOUNT] (pay day [X]) - Rent/occupancy: R$[AMOUNT] (due day [X]) - Monthly taxes: R$[AMOUNT] (due day [X]) - Suppliers: R$[AMOUNT] (distributed throughout month) **Weekly model (next 8 weeks):** | Week | Opening Balance | (+) Inflows | (-) Outflows | (=) Closing Balance | Status | |------|-----------------|-------------|--------------|---------------------|--------| | Wk 1 | | | | | | | ... | | | | | | **For inflows, detail:** - Confirmed client receipts (by due date) - Probable receipts (% probability) - Other revenue (interest, asset sales) **For outflows, detail:** - Payroll and charges (FGTS, INSS) - Suppliers (by due date) - Taxes (DAS, DARF, ISS, ICMS) - Financing/loans - Fixed expenses (rent, telecom, insurance) - Variable expenses **Monthly model (next 6 months):** - Same structure, with projection based on seasonality **Alerts and actions:** - Minimum safety balance: R$[AMOUNT] - If projected balance < minimum: activate Plan B 1. Receivable acceleration (cost: [X]% per month) 2. Payment term renegotiation with suppliers 3. Pre-approved credit line 4. Temporary cut of non-essential expenses **Suggested dashboard:** - Daily projected balance chart - Weekly traffic light (green/yellow/red) - Top 5 largest inflows and outflows of the week Format as spreadsheet ready for Excel/Google Sheets with formulas.
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