Kuala Lumpur, 400 bolts
Version 2 of 2, kept on 11 November 2026. Selling from the UK to Malaysia.
The deal breaks. Your cash first goes £7,000 under your minimum, at the end of January 2027.
Tightest month for cash: February 2027, £27,000 below your minimum. COMPUTED
This deal does not work for your business as written.
It holds only if your facility is £27,000 larger. COMPUTED
It holds only if you keep £27,000 less in the bank. COMPUTED
It holds only if you put in £27,000 more. COMPUTED
Your cash at the end of each month
| Month | Cash at the month's end COMPUTED | Against your minimum cash balance |
|---|---|---|
| November 2026 | £280,000 | £205,000 above |
| December 2026 | £208,400 | £133,400 above |
| January 2027 | £68,000 | £7,000 below |
| February 2027 | £48,000 | £27,000 below |
| March 2027 | £348,000 | £273,000 above |
| April 2027 | £326,600 | £251,600 above |
Edit deal makes version 3. It changes only the months still to come. What you have already recorded on What happened stays as you recorded it.
This deal adds −£1,400 to your business over six months, before your fixed costs. DERIVED
Your cash goes under your minimum in January 2027, by £7,000. The widest gap is £27,000. It is under in 2 months. COMPUTED
| Month | Cash | Against your minimum |
|---|---|---|
| November 2026 | £280,000 | Over by £205,000 |
| December 2026 | £208,400 | Over by £133,400 |
| January 2027 | £68,000 | Under by £7,000 |
| February 2027 | £48,000 | Under by £27,000 |
| March 2027 | £348,000 | Over by £273,000 |
| April 2027 | £326,600 | Over by £251,600 |
79D9-5878This path is your business as it stood when version 2 was kept, with the deals running then. With everything running now, your lowest month is February 2027, at £48,000. COMPUTED See the dashboard
Ways to play it, priced
Each way is checked month by month against every limit you set.
| What changes | Who decides | What it protects | Cost to you | Lowest cash | Verified |
|---|---|---|---|---|---|
| As it stands50% up front, the balance 30 days after shipment | Agreed already | None: January and February under | £0 | £48,000 COMPUTED | Breaks a limit6 of 6 months checked |
Show the other 5
| What changes | Who decides | What it protects | Cost to you | Lowest cash | Verified |
|---|---|---|---|---|---|
| Fund the gap£27,000 at your 9% rate, for the months it is needed | Yours to change, with your lender | January and February, covered by your own money or credit | £255 at 9% COMPUTEDInterest at your own facility rate on the extra drawn, month by month. | £48,000 COMPUTED | Holds only with your own money or credit6 of 6 months checked |
| Pay your supplier laterYour supplier's balance in 4 months, not 1 month | Not yours to change: your supplier decides. You ask. | None | £344 COMPUTEDThe supplier's money arriving later: the balance of the plan's orders, for the extra months, at the rate. | £48,000 COMPUTED | Breaks a limit6 of 6 months checked |
| Both together£21,600 at your 9% rate, for the months it is needed, and £5,400 more of your own cash at the start | Yours to change, with your lender | January and February, covered by your own money or credit | £214 at 9% COMPUTEDLeaves out your own money and a higher limit, which have no price. Interest at your own facility rate on the extra drawn, month by month; cash the business would have to find. | £53,400 COMPUTED | Holds only with your own money or credit6 of 6 months checked |
| A lower minimum cash balanceA minimum cash balance £27,000 lower | Yours to change | January and February | No price for this COMPUTEDCash cushion given up. | £48,000 COMPUTED | Holds only with your own money or credit6 of 6 months checked |
| More of your own cash£27,000 more of your own cash at the start | Yours to change | January and February | No price for this COMPUTEDCash the business would have to find. | £75,000 COMPUTED | Holds only with your own money or credit6 of 6 months checked |
Invoice finance needs the share your provider advances. Add it on Your business.
The terms
- The goods
- Woven cotton fabric (520812), 400 units
- Where it goes
- From the UK to Malaysia
- Each one costs you
- £86.00, bought and shipped given by you
- You sell each at
- £165.00 given by you
- Your buyer pays
- 50% up front; the rest one month after the goods ship given by you
- Making and shipping time
- One month. We assumed it. Nothing records that this was agreed, so the plan counts one month. ESTIMATED
Your cash, your minimum and your fixed costs come from Your business. Change them there.
What would change this answer?
Every figure below is one we took or you gave us. Each row moves one of them, better, until the answer would hold.
| The figure, and what we took | The answer changes |
|---|---|
| What each unit costs you, freight includedAs you gave it given by you | Still breaks a limit if it costs 40% less. We did not look further. |
| What you sell each unit forAs you gave it given by you | Still breaks a limit if it sells for 40% more. We did not look further. |
| How long an order takes to arrive1 month, which we took because you did not give it ESTIMATED | Still breaks a limit if an order takes 1 month less. We did not look further. |
| How long your buyer takes to payCounted as 1 month given by you | Still breaks a limit if they pay 1 month sooner. We did not look further. |
Not told separately
- Freight on its own. It is counted, inside what you pay for each unit, so we cannot say how much of that is freight.
What is the smallest cut in the order that clears it
Cutting the order by up to 50% does not keep every limit, so the order is not the way out. COMPUTED
| Product | Order | Every limit |
|---|---|---|
| Woven cotton fabric | 50% fewer | Breaks a limit |
How far can each term move?
How far each term can move
At the terms as they stand this version already goes under your minimum, so there is no room to move a term. The ways to fix it are above.
Who is this deal with?
TDE gives the buyer a reference, a short code and not a name. You can give another of your deals the same buyer, and each Plan tab then says which deals share it.
This deal has no reference for the buyer yet.
What if your buyer pays late, or never?
Say the buyer never pays this order's invoice. Here is what that costs you, counted two ways: the unpaid invoice, and the cash you are out against never doing the deal.
| Figure | Amount |
|---|---|
| This order's invoice | £66,000 COMPUTED |
| Deposit already paid to you | £33,000 COMPUTED |
| Unpaid invoice if the buyer never pays the balance | £33,000 COMPUTED |
| Cash you spent on the goods | £34,400 COMPUTED |
| Cash lost, against never doing the deal | £1,400 COMPUTED |
| Profit this order would make | £31,600 COMPUTED |
| Good deals to win back the unpaid invoice (bad debt over margin) | 1.0 deals COMPUTED |
| Good deals to win back the cash lost | 0.0 deals COMPUTED |
| Sales it takes to win back the cash lost | £2,924 COMPUTED |
Take a deposit of 53% before you ship. Then a buyer who never pays the rest costs you the profit, not the cash you spent on the goods. COMPUTED
Now the buyer pays one month later than you said, and what you pay for the goods is 10% dearer, both at once. These two are our assumptions, not figures you gave, so every answer below is an estimate.
| Figure | Amount |
|---|---|
| Buyer pays later than you said | one month ESTIMATED |
| Your goods cost more by | 10% ESTIMATED |
| Your price a unit | £165.00 the worked example's figure |
At your price of £165.00 a unit your plan does not hold with both. ESTIMATED
No price we tried holds with both, up to £330.00 a unit. Price may not be what fixes this: a higher price only brings in cash once your buyer has paid. ESTIMATED
Each price was checked by the same check as your answer.
When does this deal pay for itself?
The first month by whose end your buyer has paid you at least what the plan has you spend on making.
The plan does not get there inside its months: £33,000 received from your buyer, against £34,400 spent on making, by the end of April 2027. COMPUTED
| What | Amount |
|---|---|
| Spent on making the goods | £34,400 COMPUTED |
| Received from your buyer | £33,000 COMPUTED |
Worked from this plan's own months. A buyer who pays later moves it later.
When does your buyer's money land?
This deal's cash month by month: what leaves you, and what your buyer pays you and when it lands.
Your buyer pays you £33,000 in all, the last of it in April 2027. DERIVED
| Month | Money out | Money in DERIVED |
|---|---|---|
| April 2027 | £34,400 | £33,000 |
The money in is the buyer's payment on the terms you gave. A buyer who pays late moves it.
Where does this deal stop holding?
Your minimum cash balance breaks in January 2027, with or without a change to this deal. That comes from Ostlerby Mill, 2,000 bolts, not from this deal. So no point on this deal's terms can be given as where it stops holding.
Versions
Step back through them. Restoring copies a version to the top; nothing is deleted.
Version 1, drawn over the latest. Lowest cash £48,000 in February 2027.
Restoring version 1 copies it to the top as version 3. Nothing is deleted.
Every change, newest first
Nothing here is ever changed or removed.
- Version 2. Planned again after something happened, from November 2026 on.
- Order placed
- Version 1. Kept.