13-week rolling cash flow forecast
The forecast a lender or an investor expects to see, with thirteen weeks of inflows and outflows and a collections model behind the receipts.
XLSX · 8 KB · no sign-up, no watermark
Thirteen weeks is the standard horizon because it is far enough out to see a shortfall while you can still do something about it, and near enough that the numbers are not invention.
The outflows carry the Indian statutory rhythm — TDS, PF and ESI, GST, advance tax — which is what makes a domestic cash flow lumpy in a way an imported template will not show you.
What is inside
Every sheet and what it holds, so you can tell whether it fits before you download it.
Forecast
Columns: Week commencing (Mon) · dd-mmm
- Week
- OPENING CASH BALANCE
- CASH INFLOWS
- Customer collections — trade receivables
- Advance receipts from customers
- Export / intercompany receipts
- GST refunds received
- Interest and other income
- Funding — equity infusion or loan drawdown
- Total inflowsauto
- CASH OUTFLOWS
- Supplier and vendor payments
- Salaries and benefits (net of deductions)
- PF, ESI and professional tax
- TDS remittance
- GST payment (net of input tax credit)
- Advance tax / income tax
- Rent, utilities and facilities
- Professional and compliance fees
- Loan repayment — principal and interest
- Capital expenditure
- Other operating expenses
- Total outflowsauto
- NET CASH FLOW
- CLOSING CASH BALANCE
- Minimum cash buffer to hold
- Headroom / (shortfall)auto
- Weeks of runway at this burnauto
Collections model
Columns: Ageing bucket · Outstanding · % expected · Expected inflow
- Not yet dueauto
- 0–30 days overdueauto
- 31–60 days overdueauto
- 61–90 days overdueauto
- 91–180 days overdueauto
- Over 180 daysauto
- Totalauto
- Weighted collection rateauto
- Days sales outstanding (DSO)
- Percentages above are placeholders. Replace them with your own 12-month collection history — a forecast built on someone else's assumptions is a guess with a spreadsheet around it.
Assumptions & risks
Columns: Assumption · Your basis
- Customer collection pattern (from Collections model)
- Payment terms agreed with key suppliers
- Payroll cycle and cut-off date
- GST payment timing (20th of following month)
- TDS remittance timing (7th of following month)
- PF / ESI remittance timing (15th of following month)
- Advance tax instalment months (Jun / Sep / Dec / Mar)
- Seasonality applied to revenue
- USD/INR rate used for intercompany or export receipts
- Committed capital expenditure in the period
- Undrawn credit facility available
- RISK FACTORS
- Risk
- Delayed customer payments
- A single customer above 20% of collections
- Unexpected statutory demand or penalty
- Foreign exchange movement on intercompany balances
- GST refund delay
- Capital expenditure overrun
- Funding tranche arriving later than planned
- Prepared by
- Reviewed by
- Date
How to use it
Fill the opening balance and the week-commencing dates, then work down the inflows. The collections model sheet converts your receivables ageing into expected receipts, so fill that before the forecast rather than guessing.
Update it weekly, on the same day. A forecast refreshed monthly is a report; refreshed weekly it is a control.
Talk it through with a CA
Thirty minutes on one problem — a cash gap you can’t explain, a notice you don’t understand, books that stopped making sense. You’ll leave with a straight answer and the next two steps. No charge, and no obligation to work with us afterwards.
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