ATLAS / DECISION TOOLS
13-week cash-flow planner.
Build a weekly cash-flow forecast, delay customer receipts and see the first cash shortfall, peak funding gap and balance at the end of 13 weeks.
Separate the first shortfall, peak gap and ending cash
The first shortfall tells you when action may be needed. The peak gap is the largest amount needed to bring projected cash back to your selected minimum buffer: a $10,000 buffer and a lowest balance of negative $26,000 produce a $36,000 gap. It is not an approved borrowing limit. Ending cash shows whether the forecast recovers. Test a customer paying late and identify the receipt that would support repayment.
Explore working capital fundingHow this model works.
All amounts are cash receipts and cash payments in AUD. Enter actual expected tax payments; the model does not calculate tax.
Each row represents one week. A receipt delay shifts all receipts by whole weeks while costs stay in place. Receipts moved beyond week 13 are disclosed separately.
The gap is measured against your chosen buffer, including opening cash. It is a planning shortfall, not a lender-approved borrowing amount.
Questions about this tool
Is cash flow the same as profit?
No. This planner follows when cash arrives and leaves. Profit may include sales or expenses whose cash movement occurs at another time.
Does the funding gap tell me what I can borrow?
No. It shows the gap under your assumptions and chosen buffer; it does not assess borrowing capacity.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.