How to Use This Tool
Purpose: give ownership, the CEO, and finance leadership one consolidated view of liquidity, cash runway, near-term requirements, collections, payables, debt capacity, and immediate cash actions.
Workflow: update the command center at least weekly using current bank balances, restricted cash, available credit, receivables, payables, 13-week forecast information, debt obligations, and major upcoming cash events. Review exceptions before routine accounting detail.
Interpretation: the question is not simply “How much cash is in the bank?” Management must understand usable cash, committed liquidity, cash floor, upcoming requirements, forecast low point, collection risk, and funding alternatives together.
| As-of Date | Prepared By | Entity |
|---|
Usable Liquidity
$0
Liquidity Headroom
$0
13-Week Low Point
$0
Cash Status
—
1. Current Liquidity Position
| Input | Amount | Management Meaning |
|---|---|---|
| Bank / Unrestricted Cash | Cash available for operating use. | |
| Restricted / Unavailable Cash | Cash not available for normal operations. | |
| Committed Revolver / Credit Capacity | Total committed borrowing capacity. | |
| Credit Currently Drawn | Amount already borrowed. | |
| Minimum Required Cash Floor | Management liquidity reserve. | |
| Other Immediately Available Liquidity | Verified liquidity sources. |
2. Near-Term Cash Drivers
| Driver | Amount | Notes / Risk |
|---|---|---|
| A/R Due Within 30 Days | ||
| A/R Over 60 Days | ||
| A/P Due Within 30 Days | ||
| Payroll Due Within 30 Days | ||
| Debt Service Due Within 30 Days | ||
| Taxes Due Within 30 Days | ||
| CapEx / One-Time Cash Uses | ||
| Other Major Cash Uses |
3. Forward Cash Indicators
| Input | Value |
|---|---|
| 13-Week Forecast Lowest Ending Cash | |
| Peak Additional Borrowing Required | |
| Projected Week 13 Ending Cash | |
| Average Monthly Net Cash Burn (enter 0 if cash-generative) | |
| Largest Customer Receipt at Risk | |
| Unplanned Cash Contingency Reserve |
4. Executive Liquidity Analysis
| Measure | Result | Meaning |
|---|---|---|
| Net Unrestricted Cash | $0 | Cash less restricted/unavailable balances. |
| Remaining Credit Capacity | $0 | Committed capacity less amounts currently drawn. |
| Usable Liquidity | $0 | Net cash + remaining credit + other verified liquidity. |
| Liquidity Headroom Above Cash Floor & Contingency | $0 | Usable liquidity after management reserves. |
| 30-Day Known Cash Uses | $0 | A/P, payroll, debt, tax, CapEx, and other entered uses. |
| 30-Day Coverage after A/R Due | $0 | Liquidity + A/R due less known 30-day uses. |
| Runway at Current Burn | — | Headroom ÷ monthly burn. |
| A/R >60 Days % of A/R Due | 0% | Collections quality warning indicator. |
Cash Command Status: —
5. Cash Action Register
| Priority | Action / Decision | Owner | Due Date |
|---|---|---|---|
| 1 | |||
| 2 | |||
| 3 | |||
| 4 |
6. Escalation & Executive Review
| Question | Management Entry |
|---|---|
| Largest cash risk right now | |
| Most important collection action | |
| Payment / disbursement action | |
| Financing / liquidity action | |
| Trigger requiring CEO / lender escalation |
| Review Status | Reviewed By | ||
|---|---|---|---|
| Review Date | Comments |
RUBI Business Playbooks / Helping People & Businesses Succeed
Planning and management tool only. Validate cash availability, borrowing capacity, restricted-cash treatment, debt covenants, tax obligations, forecast assumptions, financing availability, and company-specific liquidity thresholds with qualified finance/accounting professionals and lenders as appropriate.
Planning and management tool only. Validate cash availability, borrowing capacity, restricted-cash treatment, debt covenants, tax obligations, forecast assumptions, financing availability, and company-specific liquidity thresholds with qualified finance/accounting professionals and lenders as appropriate.