Cash position and 13-week outlook · 16 October 2026 · USD
Statement 1 April 2025 to 9 October 2026 (18 months of history) · Forecast 12 October 2026 to 10 January 2027 (13 weeks)
Each point is the closing bank balance the forecast expects, placed by observed payment behaviour rather than agreed terms. The marked week is the low point.
Closing bank balance is $150,447.19.
Over the statement period the business was cash consuming, at an average of $5,899.13 per month.
Cash runway: 111 weeks at the current burn.
| Metric | Value | Formula and inputs |
| DSO | 54.8 days | (average AR / credit sales) * days — average_AR 442,772.5, credit_sales 4,497,720.0, days 557, balance_basis average of opening and closing |
| DPO | 25.4 days | (average AP / COGS) * days — average_AP 112,930.0, COGS 2,472,367.64, days 557 |
| DIO | 0.0 days | (average inventory / COGS) * days — average_inventory 0.0, COGS 2,472,367.64, days 557 |
| CCC | 29.4 days | DSO + DIO - DPO — DSO 54.83, DIO 0.0, DPO 25.44 |
CCC basis: includes inventory.
Opening $150,447.19 → closing $70,269.49.
The low point is week 13 at $70,269.49.
No cash floor is set, so the first breaching week is NOT AVAILABLE. Set one on the upload page and the next run reports it.
Each week's closing balance is the next week's opening balance, and the chain reconciles across all 13 weeks.
Confidence: weeks 1–4 rest on invoices already issued; weeks 9–13 on behavioural projection. 91% of projected receipts come from customers whose own payment history is HIGH confidence.
Open receivables are $605,655.00 across 13 customers: 59% current, 11% at 1-30 days, 24% at 61-90 days, 6% at 90+ days; nothing at 31-60 days.
Expected credit loss allowance (IFRS 9, simplified approach): $38,498.56, 6.36% of open receivables, on rates derived from your own payment history. The matrix and the evidence behind each rate are in the workbook.
1. Call Orchard Lane Bakery about KV-1113 ($4,160.00). It fell due on 2025-07-31 and has now passed that customer's own median payment lag — it was expected on 2025-08-08. Late even by their standards, which is what makes it worth a call rather than a statement.
2. Call Fieldstone Brewing Co. about KV-1168 ($8,410.00). It fell due on 2026-01-31 and has now passed that customer's own median payment lag — it was expected on 2026-02-20. Late even by their standards, which is what makes it worth a call rather than a statement.
3. Chase Northgate Auto Group ($147,895.00, 61-90 bucket). Risk score 95.7, 24.4% of the receivables book. Call the account owner today and agree a dated payment commitment for the overdue balance.
Together the two largest exposures account for $351,045.00 — 58.0% of the receivables book.
Each green bar: how much that one call lifts the worst week if the customer pays on the due date rather than when they usually do. Amber removes the double-count; the last bar is the most collections alone can achieve. Axis does not start at zero.
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Generated by CashLens. Every figure derives from the files uploaded for this run and carries its formula in the accompanying workbook. Projections reflect observed payment behaviour and are estimates, not commitments. Operational analysis only — not investment, tax or legal advice.