Template preview · Small business
Rolling cashflow
Maintain a near-term cash view with explicit assumptions.
A rolling cashflow view for a fictional small business.
Sample purpose
Maintain a near-term cash view with explicit assumptions.
Audience: Finance manager, Owner- Structure
- 4 sections
- Criteria
- 13
- Sources
- 7
- Watches
- 4
- Default approach
- Review first
Set the purpose first. Then change every section, criterion, and agent setting before anything runs.
Fictional sample
Structure and criteria
Sample content shows the shape of a useful document. Copying it is optional.
01 Review firstCash position
For this rolling cashflow, states opening cash and forecast period.
Criteria
- States opening cash with the bank-statement date it was read from.
- Names the lowest projected balance, its week, and how many weeks of cover the minimum-cash floor buys.
- Shows closing cash for week 13 separately from opening cash.
Sources
- Elm ledger balance (fictional) api.elm-bicycle-repair.exampleOpening cash on the forecast start date.
- SBA manage your finances sba.govSmall-business cash planning conventions.
Watches
- Follows Weekly cash movements
Sample content
- Opening cash on Oct 5
- $18,400
- 13-week lowest projected balance
- $9,200
- Projected Dec 28 closing balance
- $24,100
02 Review firstWeekly cash movements
For this rolling cashflow, shows dated inflows, outflows, and closing balance.
Criteria
- Every inflow and outflow sits in the week cash actually moves, not the invoice week.
- Inflows are split by source with a collection-lag assumption such as paid within three days of service.
- Supplier outflows use contract terms, so net-30 shows the payment date rather than the invoice date.
- Each week closes with a balance that becomes next week opening.
Sources
- Elm bank deposits log (fictional) api.elm-bicycle-repair.exampleActual deposit dates behind inflow timing.
- Elm vendor payment terms (fictional) api.elm-bicycle-repair.exampleNet terms that set outflow dates.
- Open-Meteo 14 day forecast api.open-meteo.comWeather signal for weekly service demand.
Watches
- Checks api.open-meteo.com daily
Sample content
Week of Opening cash Inflows Outflows Closing cash Oct 5 18400 7200 6100 19500 Oct 12 19500 5400 8200 16700 03 ManualPayment decisions
For this rolling cashflow, identifies payment timing and minimum-cash trigger.
Criteria
- States the minimum-cash trigger in dollars, the reason for that figure, and who decides.
- Each commitment shows amount, due date, the document the date comes from, and an owner.
- Essential spend (payroll, supplier) is separated from deferrable spend such as tools.
Sources
- Elm vendor agreements (fictional) api.elm-bicycle-repair.exampleActive payment obligations and terms.
Watches
- Follows Weekly cash movements
Sample content
- ☐ Hana confirms the $4,800 supplier payment date with the parts vendor
- ☐ Hold discretionary tool purchase if forecast cash falls below $10,000
- ☐ Reconcile actual deposits every Friday
04 Review firstForecast checks
For this rolling cashflow, compares forecast with actual cash each week.
Criteria
- Each closed week shows forecast, actual and the dollar variance with a cause.
- Flags any week where actual closing cash fell below the floor.
- A variance over $1,000 or 10% of the week triggers a named reforecast of remaining weeks.
Sources
- Elm bank statements (fictional) api.elm-bicycle-repair.exampleGround-truth cash movements.
Watches
- Follows Weekly cash movements
Sample content
Week Opening Inflows Outflows Closing Oct 5 18400 7200 6100 19500 Oct 12 19500 5400 8200 16700 Oct 19 16700 8800 5300 20200