Your Busy Season Pays the Bills. What Pays Them After?
A strong market weekend can make the next stock order feel easy. But will the money still be there when the supplier payment, storage bill and quieter weeks arrive?
Look ahead 90 days. Start with available cash, then list money expected in and payments due on the dates they reach or leave your account.
Use last year’s seasonal pattern if you have it. If you are newer, use recent results and mark your assumptions. Adjust for changed prices, market dates, stock availability and payment delays.
Sales and cash receipts can land on different days. Include inventory purchases, shipping, fees, taxes, owner draws and loan payments. Avoid counting fees twice if your platform payout is already net of fees.
Try a softer-sales estimate and move a payment date to see the effect. Look for the first day cash falls below your chosen reserve.
Our 90-Day Cash-Flow Planner turns dated receipts and payments into a daily cash forecast. Review it weekly and update the estimates as you learn.
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