Cash Flow Financial Model & 13-Week Liquidity Simulator - Interactive HTML Tool

Take control of your business liquidity with this interactive, web-based financial model designed to answer the most critical question in business: Will I have enough cash?

Unlike rigid Excel templates prone to broken formulas, missing macros, or accidental data deletions, this standalone HTML tool runs smoothly in any web browser (Chrome, Safari, Edge, Firefox) without software installation. It seamlessly adapts to both Product-based businesses (manufacturing, inventory, raw materials) and Service-based businesses (hourly rates, packages, retainers).

Key Modules & Differentiators:

• Liquidity Risk Alerts: Set your minimum target cash balance; the model automatically flags deficit months and calculates your buffer days at the lowest cash point.
  

• Financing Needs Calculator: Automatically suggests the exact bridge loan or credit line amount needed, when to request it, and the month it can be repaid using generated cash flow.
  

• Cash Conversion Cycle (CCC): Automatically tracks DSO, DIO, DPO, and Net Cycle days to show how fast cash returns to your business.
  

• Derived 13-Week Cash Forecast: Generates a short-term weekly liquidity view straight from your monthly projections.
  

• Automated Real-Time Auditor: Detects calculation gaps, negative balances, or input errors on the fly.
  

• Full Traceability & Encryption: Includes a built-in formula search helper, two pre-loaded demo cases (Bakery & Consulting Firm), and AES-256 encrypted project exports.
  
  

What You Receive: A downloadable .ZIP file containing the bilingual (English/Spanish) HTML financial model. All data remains 100% private and stored locally in your browser.

Notice for Consultants & Advisors: This download grants a Business License for single-project and single-business use (up to 50 materials/services and 20 products/packages). If you require a multi-client license, custom branding, or multi-year features for your consulting practice, please contact me directly via my author profile to discuss a custom build.