Separate the amount from the date
An expected customer payment is not cash already available. Build a simple calendar showing opening cash, expected receipts and upcoming payments. Record each amount with its expected date.
Mark assumptions clearly
Distinguish confirmed receipts from estimates and list payments such as rent, supplier invoices and wages. In an illustrative example, a payment due on Friday cannot be covered by a receipt expected the following Tuesday without another source of cash.
Review the timing gap
Update the calendar when dates change. Explore whether the timing can be adjusted with the relevant customer or supplier before comparing funding options. If you seek finance, review its costs and repayment dates against the calendar; a forecast alone does not establish affordability.
Further reading
General information only. Review your circumstances and the provider’s actual terms before deciding to borrow. Approval and terms depend on lender assessment.