Cash Flow Plannerv1.1.0

An ecommerce brand preparing for Q4 holiday demand must purchase inventory months in advance, creating a cash drain before peak sales. This scenario models buying stock in August with Net 30/60 terms, then selling through in October-November, helping identify the exact working capital needed to bridge the gap.

A brand scaling 200% YoY faces a cash float problem due to paid advertising: ad spend is upfront while revenue collection lags by 30+ days. The forecast shows when cash reserves deplete under aggressive growth, allowing founders to adjust ad budgets or secure financing before running out of money.

A brand with $50k+ monthly orders wants to negotiate Net 45 or Net 60 from standard Net 30. The 13-week forecast demonstrates how extended payables improve cash flow, providing leverage in supplier discussions and showing the exact cash breathing room gained.

When a key ad channel (e.g., Facebook) spikes in cost or underperforms, revenue drops while fixed costs remain. Scenario analysis models a pessimistic case with 20% lower conversion, helping the brand pre-plan cost cuts or inventory draws before a crisis hits.

A brand relies on a mix of supplier terms and revenue-based financing (RBF) for inventory spikes. The forecast compares different financing mixes, showing the impact on cash position and helping choose the optimal blend to avoid over-leverage.

A direct-to-consumer brand selling via Shopify, with payment processing via Stripe. Revenue is recognized at sale, but cash settles 2-3 days later. Inventory is typically purchased upfront with 30-60 day terms, creating a cash conversion cycle of 30-60 days.

A brand selling both wholesale (Net 30/60 invoices to retailers) and DTC. Wholesale revenue has longer DSO (30-60 days), while DTC has faster cash collection. The forecast must handle different payment timelines for each channel.

A brand selling on Amazon FBA, where cash from sales is received every 14 days (settlement). Inventory is shipped to Amazon warehouses weeks before sales, and Amazon collects fees. The cash conversion cycle is compressed but includes Amazon's settlement delay.