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.
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
“A 90-day rolling cashflow is the single document that matters most when a lender is sizing a working-capital facility.
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.
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.
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