When a lender is sizing a working-capital facility for your business, the document that does most of the work is a 90-day rolling cashflow forecast. Done well, it shows the lender exactly when and why you need the facility, and how it will be repaid. If the underlying idea is new to you, start with what is working capital.
What a good 90-day cashflow looks like
Weekly granularity. Inflows broken out by customer or by category. Outflows broken out by category, with timing reflecting actual payment terms (not just due dates). A "cash position" line at the bottom that goes to red where the working-capital facility kicks in.
The two graphs that matter
Lenders look at peak working-capital need (the lowest point on your cash position line) and seasonality (whether the dip is regular). A regular, predictable dip every quarter is usually fundable. A one-off shock is harder to size against.
“A 90-day rolling cashflow is the single document that matters most when a lender is sizing a working-capital facility.
How to build it without a finance team
Xero and MYOB both export accounts-receivable and accounts-payable schedules. Combine those with a simple weekly inflow forecast based on average historical receipts and you have a defensible 90-day forecast. Cashtech reviews these for free for any client we are working on a business facility for.
When the forecast points at the wrong product
A forecast that dips only because customers pay slowly is an invoice-timing problem, not a working-capital one. In that case what is invoice finance is the better starting point, and business overdraft vs unsecured business loan covers the choice when the gap really is general rather than debtor-driven.
If this raises questions about your situation, we arrange working capital facilities across our whole lender panel. No fees to clients; the lender pays us when finance settles. Book a 20-minute brief.
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