Cash-Flow Forecaster | Walker & Sons Builders

Cash on Hand

£18,420

Barclays current · as of 08:14

DAYS

Days of Runway

Drops to 11 the week of VAT

Receivables Outstanding

£42,180

15 invoices · 6 overdue

OUT

Payables Due (60d)

£38,940

Inc. £9,840 VAT on 7 Aug

Balance End of Forecast

£6,540

Wk 30 close · before Aug VAT bill

12-Week Cash Runway Forecast

Weekly opening balance · weeks 19-30 · projected inflows minus outflows minus fixed costs

DANGER WEEK: w/c 20 Jul · balance dips to £1,840 before VAT

Current Balance

£18,420

Week 19 opening

Avg Weekly Inflow

£6,840

Based on 15 outstanding invoices

Avg Weekly Outflow

£6,210

Payroll, vans, materials, fixed

Lowest Point

£1,840

w/c 20 Jul · before VAT

What-If Scenarios

Pick a customer + payment outcome to see how the runway changes

Customer

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Outstanding Invoices

15 unpaid · total receivable £42,180 · ranked by payment risk

Invoice	Customer	Amount	Due date	Days overdue	Payment likelihood	Last chase

Bills Payable, Next 60 Days

Sorted by date · calendar view

VAT Pot · Q2 (Apr-Jun)

What you'll owe HMRC vs what you've set aside

VAT Collected (output)

£14,287

On £71,435 of sales

VAT Spent (input)

£4,447

Materials, fuel, tools

Estimated VAT due 7 Aug 88 days away

£9,840

Already in VAT savings account £5,600

57% covered Still need £4,240

Move this week to stay safe £1,060/wk × 4

Late Payer Hall of Shame

Worst average days past terms · rolling 12 months

Hardcastle Plant Hire

7 invoices last 12mo · 30-day terms · never paid on time

avg days late

£3,240 owed now

Oakley Developments

4 invoices last 12mo · biggest customer by value · always at month-end

avg days late

£8,420 owed now

Bewley Loft Conversions

3 invoices last 12mo · 14-day terms agreed · pays at 35+

avg days late

£2,180 owed now

Weekly In vs Out (12 wk)

Net cash movement per week

Outflow Mix, Next 60d

Where the money goes

Three Things To Do This Week

Ranked by impact on the danger week

DO TODAY

Chase invoice INV-2247, Oakley Developments

£8,420 outstanding, 41 days overdue. They paid the last invoice on the 43rd day after a phone chase. This is your single biggest cash drag. A polite call to Sarah in accounts (you have her direct line) typically clears it within 5 working days.

Adds to runway +14 days

BY FRIDAY

Move £4,240 into the VAT savings account

You're £4,240 short on the Q2 VAT bill due 7 Aug. The danger week dip is largely VAT-driven. Standing order of £1,060/wk for 4 weeks from current to savings clears it without breaking a sweat, and stops the August bill becoming a panic.

Removes the cliff Stress -73%

THIS MONTH

Renegotiate Travis Perkins to 30-day terms

You currently pay Travis Perkins on 14-day terms, roughly £4,800/month in materials. Moving to 30 days (standard for your tier) frees up £2,560 of working capital permanently. They offered it last year. Take the offer.

Permanent uplift +£2,560