13-Week Cash Flow Forecast Builder

Act as a fractional CFO. Build a 13-week cash flow forecast.

Financials:
- Business: [INDUSTRY] · Cash on hand: $[AMOUNT]
- Average weekly revenue: $[AMOUNT] · Pattern: [STEADY/SEASONAL/LUMPY]
- Recurring payments, each with its amount and the date or day it falls: [PAYROLL, RENT, LOANS, SUPPLIERS, TAXES, SUBSCRIPTIONS]
- Receivables due: $[AMOUNT] over [X] weeks
- Big upcoming expenses: [LIST WITH DATES]
- Credit line: $[AMOUNT]

Build the table (compute it, don't estimate): Week | Starting Balance | Cash In | Cash Out | Net Cash Flow | Ending Balance, for 13 weeks. Put every recurring payment in the week its date falls, not spread evenly: the weeks with payroll and rent are the ones that run short.

Then:
1. Flag any week where cash falls below [X] weeks of expenses
2. Lowest cash point and when
3. 3 actions to improve cash position
4. Stress test: revenue down 20% for one month

Success means the table reconciles week to week, the big expenses land on their stated dates, and the stress test shows the new low point.

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response — every section filled in, nothing deferred to a follow-up.

If a required input is missing, ask for it once before starting; otherwise proceed and label any assumption you made.

Notes: R40 refresh; tuned to vendor prompting guidance