Cash Flow Management

Portal tool

Seasonal Cash Flow Planner

Turn your annual revenue, peak season, and collection days into a month-by-month view of your cash. You see the trough you have to survive and the bridge financing your peak requires.

  • 4-minute tool
  • Free in your portal
Cash Flow Management
$105,000Cash dips negative
Capital to bridge the season
JanuaryDeepest trough
Nov, DecPeak months
$6,300Financing cost

Running cash bottoms out at 105,000 dollars below zero in January, then the November and December peak carries it to a 600,000 surplus by year end.

What you get

The cash gap your season creates, before it hits

Seasonal businesses spend cash to stock up months before the revenue lands, and the shortfall rarely shows up until the account is already tight. From your annual revenue, peak season, peak multiplier, pre-peak inventory buy, seasonal facility rate, and collection days, this planner walks your cash across the year. It shows the trough month you have to fund and the size of the bridge your peak actually needs.

  • Pinpoints your peak and trough months from your own revenue pattern
  • Sizes the pre-peak inventory buy and the cash it ties up before sales arrive
  • Shows the seasonal bridge you need and what the facility rate costs to carry it

The tool

Run your numbers

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Seasonal Cash Flow

How much cash bridges your slow season?

Spread your revenue across the year with a seasonal peak, then see the cash trough it digs — and the facility it takes to stay funded through it.

Annual revenue · off-season pace
$
When does business peak?
How big is the peak? · vs a normal month
×
Inventory to stock up before peak
$
Seasonal facility rateA seasonal facility is a short-term line of credit sized to cover the cash trough your slow season digs — you draw before the peak and repay as the season’s sales come in. This is its annual interest rate. · per year
%
How long customers take to pay
days

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The Flow

One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.

Bi-weekly. 26 issues a year.