13-Week Cash Runway Model

The 13-week direct cash-flow forecast is the standard tool for answering the only question that kills companies: when does the cash run out, and how much do I need to find before then?

This Actor builds one from a plain description of your opening cash, expected collections and expenses — in base, best and worst scenarios — and hands back a cash card, a full report and an Excel model you can keep working in.

No API keys, no LLM calls, no data sent anywhere. The model is deterministic arithmetic, and every week's figure traces back to the line item that produced it.

What it does

• Lays out 13 weeks from a start date, week by week.
• Places collections on the weeks they are expected: a steady weekly amount, named customers on specific weeks, or both.
• Places expenses by frequency: monthly (on a payment day), weekly, variable (a share of that week's collections) or one-off (on a given week).
• Runs three scenarios by applying multipliers to collections and expenses, plus a collection delay in weeks.
• Reports, for each scenario: closing cash per week, the lowest cash week, the week cash runs out, runway in months, and two funding gaps — how much you need to bring in to stay above zero and to stay above your safety threshold.
• Compares plan against actuals for the weeks you have already lived through.

What you get

Every run writes these to the run's key-value store:

File	What it is
cash-card.md	One-screen summary: lowest cash week, depletion week, gap to close
report.html	Full report — weekly table per scenario, line-item breakdown, plan vs actual
report.pdf	The same report, print-ready
model.xlsx	The 13-week model as a spreadsheet you can keep editing
data.json	Every weekly figure and metric as structured data
input.json	The exact model the engine used

The dataset row carries minimum cash, the week it occurs, the depletion week and the full metric set for all three scenarios.

Input

Tick Run with sample data for a full example run before you enter anything.

Otherwise fill Cash model. Field names can be English or Turkish. openingCash is the only required field.

{
  "company": "Example Technology Inc.",
  "currency": "USD",
  "startDate": "2026-09-07",
  "openingCash": 2400000,
  "availableCreditLine": 750000,
  "collections": [
    {"customer": "Customer A (monthly invoice)", "weeks": {"2": 620000, "6": 620000, "11": 620000}},
    {"customer": "Customer B (project payment)", "weeks": {"8": 900000}},
    {"customer": "Other customers (every week)", "weekly": 300000}
  ],
  "otherInflows": [
    {"item": "Grant payment", "week": 9, "amount": 250000}
  ],
  "expenses": [
    {"item": "Payroll and social security", "amount": 1150000, "frequency": "monthly", "paymentDay": 5},
    {"item": "Rent", "amount": 180000, "frequency": "monthly", "paymentDay": 1},
    {"item": "Marketing", "amount": 45000, "frequency": "weekly"},
    {"item": "Supplier payments", "rate": 0.22, "frequency": "variable"},
    {"item": "Annual insurance premium", "amount": 90000, "frequency": "one-off", "week": 7}
  ],
  "scenarios": {
    "base":  {"collectionMultiplier": 1.00, "expenseMultiplier": 1.00, "collectionDelayWeeks": 0},
    "best":  {"collectionMultiplier": 1.10, "expenseMultiplier": 0.97, "collectionDelayWeeks": 0},
    "worst": {"collectionMultiplier": 0.80, "expenseMultiplier": 1.05, "collectionDelayWeeks": 2}
  },
  "thresholdWeeks": 4,
  "pastMonthlyNetCash": [-310000, -280000, -350000],
  "actuals": {
    "1": {"inflow": 280000, "outflow": 125000}
  }
}

Notes:

• startDate is the first day of week 1. A Monday keeps the weeks aligned with how people talk about them.
• Weeks are numbered 1-13 everywhere, including the weeks map on a collection and the week on a one-off expense.
• frequency accepts monthly, weekly, variable, one-off (or the Turkish aylik, haftalik, degisken, tek).
• rate on a variable expense is a fraction, not a percentage: 0.22 means 22% of that week's collections.
• thresholdWeeks is your safety floor — how many weeks of expenses you never want to drop below. The funding gap is measured against it.
• actuals are optional; supply what has already happened and the report adds a plan-vs-actual view.
• Instead of the JSON field you can pass Input file URL — a public link to a JSON file with the same model.

Report language

language: "en" or "tr". Every output — cash card, HTML, PDF, spreadsheet — is produced in the chosen language.

Typical uses

• Founders raising — know the exact week you must close by, and show investors you know it.
• Founders not raising — see which expense line or collection date actually moves the depletion week.
• CFOs and controllers — a repeatable weekly cash meeting artefact instead of a spreadsheet nobody trusts.
• Investors and boards — ask a portfolio company for this output and compare like with like.

Cost

The Actor is free to use; you pay only Apify platform usage for the run. A run takes roughly 15-40 seconds, most of it PDF rendering. Turn Generate PDF off for the cheapest possible run.

Limits and honesty

• A 13-week model is a planning instrument, not a promise. Its quality is entirely the quality of your collection assumptions.
• The worst-case scenario is only as pessimistic as the multipliers you set. If collections have ever collapsed harder than your worst, the model is not showing you the real downside.
• It models cash movements, not accounting profit. Cash-positive and loss-making at the same time is normal and expected here.

About

Built by Bloom Consulting, a fractional CFO practice working with startups and SMEs. The paid desktop edition adds rolling week-over-week comparison, longer horizons and branded report templates.

• Web: bloomconsulting.com.tr
• Contact: iletisim@bloomconsulting.com.tr

Found a bug or want a feature? Open an issue on the Actor page.