Month-end cash, three months
- Month 1 USD 151,000 · Month 2 USD 206,000 · Month 3 USD 261,000 · Buffer 100,000
Financial Intelligence · Expanded Financial Intelligence
AI Cash-Flow Forecasting
Produce source-backed cash forecasts with scenario ranges and cash-shortfall warnings, showing assumptions, confidence limits and forecast against actual.
Demonstration: Marlowe Textiles Ltd (fictional) · Manufacturing and export. Fictional data and a scripted answer.
The situation
- Organisation
- Marlowe Textiles Ltd (fictional)
- Who is asking
- Treasurer
- Industry
- Manufacturing and export
- What happened
- A large customer has asked to move its payment terms from 30 to 60 days, and the treasurer needs to see the cash effect before answering.
The question asked
If a share of our receipts arrives a month late, does cash stay above our minimum buffer over the next three months?
What it reads, and who can see the result
- Bank balances feedOpening cash from the latest statement.
- Receivables ageing exportExpected receipts by month.
- Committed payments registerPayroll, suppliers and loan repayments.
- Reads
- Opening balance, expected receipts and committed payments for the next three months.
- Does not read
- Individual customer payment histories or any payment instruction.
- Permission
- Treasury read access to the cash forecast workbook and bank balance feed.
- Who sees it
- The treasurer and the finance director.
Try it
Change the assumptions. Every result and the answer below are recomputed from them, and a warning appears when a result crosses a stated limit.
- Outflows each month
- USD 365,000Payroll, 190,000 suppliers and 25,000 loan repayment.
- End of month 1
- USD 151,000
- End of month 2
- USD 206,000
- End of month 3
- USD 261,000
- Lowest month-end
- USD 151,000
- Headroom over the 100,000 buffer
- USD 51,000
The answer
Simulated answer. Written for this fictional case, not produced by a live model. Only the figures in it are computed, from what you decided above.
Lowest month-end cash is USD 151,000; headroom over the buffer is USD 51,000.
Opening cash is 180,000 [S1]. With 20% of receipts a month late, month 1 ends at USD 151,000; later months recover because the delayed share arrives, ending at USD 206,000 and USD 261,000 [S2][S3].
The pinch is the first month, not the average. The question for the customer is therefore not whether 60-day terms are affordable over the quarter, but whether the first month can be bridged.
Relies on: S1 · Bank balance, todayS2 · Receivables ageing and receipts planS3 · Committed payments schedule
No approval is needed for this result: it is read-only insight, and nothing consequential happens because of it.
What it produces
If the buffer is breached
- Agree a partial move to 45 days, or a deposit on the first order.
- Arrange standby funding before agreeing, not after.
Limits of this example
- A forecast from the inputs shown, not a prediction: it assumes the receipts and payments schedule is right.
- Only one cause of delay is modelled; a second late customer would compound it.
- This is a scripted demonstration on fictional data. No model was called and no real organisation, person or result is shown.
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