Build a 13-week cash-flow forecast that exposes timing gaps

Set the calendar, cash and funding assumptions

All monetary amounts below are EURk: 1 EURk = EUR 1,000. Native model files store base-currency EUR; choose EUR and the thousands display unit to reproduce these tables. All businesses, balances and financing terms are synthetic.

The plan runs from Monday 2 November 2026 through Sunday 31 January 2027. Opening cash is 40, weekly customer receipts are 100 and payroll payments are 90. All other operational payments, interest and fees are zero. Minimum Cash is 20. A committed, undrawn revolver provides 30, is eligible throughout the window and bears zero interest in this timing-only example. Automatic funding is on; automatic repayment is off.

Download the native 13-week model. Plan 1 holds the baseline. Plan 2 moves the receipt of 100 from week 3 to week 5, where it joins the normal 100. Both plans collect 1,300 and pay 1,170.

Read the complete weekly bridge

Closing cash = opening cash + receipts − payments + facility draws − automatic repayments. The table is generated from the current native engine, including the shared financing ledger.

Why a positive total still creates a funding gap

In week 3, cash before financing falls to −30. Reaching the minimum of 20 requires 50; only 30 can be drawn. Closing cash is therefore 0 and residual Required Funding is 20. The following week closes at 10, leaving a residual need of 10. These amounts are point-in-time shortages: adding 20 and 10 would double-count continuing pressure.

The delayed plan ends at 200, above the baseline 170, because the 30 draw remains outstanding. That is financing, not better operating performance. The recovered collection does not automatically repay debt when automatic repayment is off.

Reproduce and review the plan

The ACT describes rolling 13-week forecasting as a way to identify short-term cash pressure and communicate its timing. The practical review here is the date and size of the first unresolved gap.

1. Open Credit & Liquidity → 13-Week Cash Flow and select Plan 1. Confirm the start week, explicit opening cash and EURk display.
2. Inspect the manual collections and payroll inputs, then the financing source and Minimum Cash. Compare Plan 2 with Plan 1.
3. Review the first funding-gap week, cash bridge and remaining availability. Use Inspector to trace a result before changing its source.
4. Roll the plan deliberately: decide whether dated inputs remain on their calendar dates or move with relative weeks.

Keep the source and window boundaries visible

These are independent operational cash inputs. The explicit 40 opening balance is not the annual Model’s allocated balance on 2 November; it must be reconciled to the intended operational cash scope. Changing the timing plan does not rewrite annual Model revenue. A weekly statement view alone does not establish invoice or payroll payment dates.

For collection profiles, percentages must total 100%. Collections shifted beyond the window remain outside-window amounts; they are not lost receipts and are not silently pulled back into week 13. See collection profiles and operational inputs.

This workflow does not import invoices, connect to banks, calculate VAT or certify solvency. Choose the appropriate view using 13-week vs annual planning; interpret the financing bridge with available liquidity vs cash. The funding reference documents the calculation boundaries.