Cash flow forecasting & Liquidity Analysis

Many businesses look profitable on paper but still struggle with cash. Payments arrive late, expenses hit earlier than expected, and visibility beyond the next few weeks is limited. Leaders are forced to manage liquidity reactively, relying on gut feel or fragmented spreadsheets. Without a clear view of future cash movements, even strong businesses can face unnecessary stress, missed opportunities, or funding surprises.

Cash Flow Forecasting & Liquidity Analysis provides clear, forward-looking visibility into how cash actually moves through your business. It helps you anticipate short- and medium-term cash needs, understand working capital pressure, and assess liquidity risk before it becomes a problem. With structured forecasts, scenario testing, and cash-focused insights, you gain confidence to plan spending, time investments, manage risk, and make decisions without fear of running out of cash.

INDUSTRY EXPERTISE

SaaS & IT

Manufacturing

E-commerce

Wholesale

Real Estate

Financial Services

Core Modules

Direct Cash Inflow & Outflow Forecast
Short-term forecast based on expected cash receipts & payments to manage near-term liquidity.

Opening & Closing Cash Position Tracking
Clear tracking of starting cash, net movement, and ending balance.

Basic Working Capital Assumptions
Simple AR/AP/inventory timing assumptions to improve forecast realism.

Cash Flow Variance Tracking
Comparison of forecast vs actual cash movements to improve accuracy.

Cash Flow Waterfall (Bridge)
Explains how operational activity translates into cash changes to support better decision making.

Minimum Cash Requirement View
Identifies periods where cash levels approach critical thresholds.

Short-Term Liquidity Snapshot
High-level indicators of immediate liquidity health through an interactive dashboard.

Cash Inflow vs Outflow Timing Map
Visual mapping highlighting timing mismatches that create short-term liquidity pressure.

Extended Modules

Multi-Scenario Rolling Cash Flow Forecast
Continuously updated forecast extending visibility while allowing visual comparison of scenarios.

Working Capital Diagnostics
Detailed analysis of AR/AP/inventory patterns affecting cash timing.

Liquidity & Covenant Monitoring
Dashboard and alerts for ongoing monitoring of adherence to liquidity thresholds & covenants.

Cash Conversion Cycle Analysis
Evaluates efficiency of receivables, payables, and inventory cycles.

Customer Payment Behaviour Analysis
Identifies late-payment patterns and categorises clients by payment behaviour.

Expense Timing & Commitments Review
Assesses fixed vs discretionary cash obligations and timing risks.

Liquidity Risk Indicators
Early-warning signals for cash strain or timing mismatches.

Cash Concentration Risk Analysis
Assesses dependancy on a small number of customers, payers, or contracts for cash inflows.

Advanced Modules

Probability-Based Cash Runway Model
Estimates cash runway across multiple scenarios using statistical distributions.

Advanced Liquidity Stress Testing
Applies downside & shock modelling (delays, demand drops, cost spikes) to quantify liquidity risk beyond manual what-ifs.

Working Capital Optimisation
Simulates working capital outcomes and prescribes actions—such as payment term changes to maximise liquidity without harming operations.

Short-term Debt Optimisation
Incorporates optimisation logic and contractual constraints (repayment schedules, covenants, refinancing ) to model realistic financing paths.

Cohort / Contract-Based Cash Modelling
Uses cohort analysis and statistical segmentation to predict cash inflows by customer behaviour rather than averages.

Monte Carlo Cash Risk Simulation
Runs thousands of simulations using probability distributions to quantify cash volatility, downside risk, and confidence intervals.

clear, short-term visibility into cash movements and liquidity needs.

understanding cash drivers, working capital pressure, and liquidity risk.

stress-tested, scenario-driven liquidity planning & risk management.