Cash Flow Projection Generator
PROForecast monthly cash flow for SMBs with DSO/DPO optimization, seasonal pattern analysis, shortfall risk detection, and scenario planning for 3-12 month visibility.
Example Usage
“I run a B2B software company with $100K monthly revenue growing 10%/month. My fixed costs are $80K/month (salaries + infrastructure). Customers typically take 60 days to pay invoices (Net-30 but actually pay late). Current cash is $150K but I’m worried about runway.
Build me a 12-month forecast showing:
- When will I face a cash shortfall at current growth?
- What’s my minimum cash point and when?
- If I close a large customer ($25K MRR) but they demand Net-60 terms, how does that change things?
- What credit line should I secure now as insurance?”
How to Use This Skill
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Suggested Customization
| Description | Default | Your Value |
|---|---|---|
| Number of months to forecast (3, 6, or 12) | 12 months | |
| Target minimum cash balance to maintain | $50,000 | |
| Days Sales Outstanding - average collection period | 45 days | |
| Days Payable Outstanding - average payment period | 30 days | |
| Total fixed operating costs per month | $50,000 | |
| Expected monthly revenue growth rate | 5% |
What You’ll Get
- 12-month rolling cash flow projection with monthly closing balances
- Shortfall risk alerts with timing, magnitude, and root cause analysis
- Working capital optimization recommendations (DSO/DPO improvements)
- Scenario analysis comparing base, upside, downside, and stress cases
- Actionable mitigation strategies when shortfalls are detected
- Monthly update process for keeping forecasts current
Business vs. Personal Cash Flow
This skill is designed for SMB businesses ($1M-$100M revenue) with:
- Accounts receivable and customer payment tracking
- Supplier relationships and payment terms
- Seasonal revenue patterns
- Working capital optimization needs
For personal cash flow tracking, see the related Cash Flow Projector skill.
Research Sources
This skill was built using research from these authoritative sources:
- Free Financial Projection and Forecasting Templates - Smartsheet Professional templates and methodology for financial projections including cash flow forecasting.
- 12 Month Cash Flow Statement Template - SCORE SBA partner resource for cash flow planning with downloadable templates.
- Cash Flow Projection - The Complete Guide - HighRadius Comprehensive guide covering DSO optimization, working capital management, and forecasting best practices.
- How to Create and Use a Cash-Flow Forecast Template - American Express American Express guide to cash flow forecasting for small businesses.
- Cash Conversion Cycle Explained - Investopedia Detailed explanation of CCC, DSO, DPO, and DIO metrics with calculation examples.
- Working Capital Management - CFI Corporate Finance Institute guide to optimizing working capital and cash flow.
- Days Sales Outstanding Best Practices - Billtrust Industry benchmarks and strategies for improving DSO and accelerating collections.