Build The Small Business Working-Capital Allocation Simulator, a decision tool that helps business owners distribute limited available cash across competing obligations.
Let users enter their available cash, expected receipts, supplier invoices, rent, payroll, loan payments, inventory purchases, payment deadlines, late fees, and minimum operating reserve.
The simulator must:
Build a dated cash-flow timeline.
Flag periods when projected cash falls below the required reserve.
Compare alternative payment sequences.
Estimate the financial consequences of delaying each eligible payment.
Model uncertain customer receipts and unexpected expenses.
Evaluate early-payment discounts against the value of retaining cash.
Show which obligations have contractual, operational, or legal priority.
Compare scenarios with different sales and collection assumptions.
Generate a daily cash action plan and downloadable forecast.
Include sample scenarios for a café, a small retailer, and a service agency. Make assumptions editable, show the calculations behind every result, and never recommend ignoring legal obligations or contractual deadlines without highlighting the consequences. This is a planning tool, not a substitute for professional financial advice.
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