Every figure below is read from this version as it was kept on 11 November 2026. Nothing is worked out again. Every figure on this pack is in pounds, the currency the plan is worked out in.
Ostlerby Mill, 2,000 bolts · Bank Pack · 11 November 2026
Sheet 1 of 2 · The verdict
The position
Its cash falls to £48,000 in February 2027, £27,000 below the £75,000 minimum it set.
What breaks
The minimum cash balance, January 2027: £7,000 past the limit.
The minimum cash balance, February 2027: £27,000 past the limit.
Lowest cash, February 2027
£48,000 COMPUTED
The business's minimum cash balance
£75,000stated by the business
Months under the minimum
2 COMPUTEDJanuary and February
Peak gap below the minimum
£27,000 COMPUTED
First order
2,000 units in December 2026, costing £172,000 COMPUTED
What the plan costs
£172,000 COMPUTEDThe goods, plus the cost of holding the stock and of placing the orders.
Revenue
£320,000 COMPUTED
The terms of this version
A term marked assumed has not been confirmed by the business.
The supplier's deposit: 30% with the order stated by the business
The supplier is paid the rest: one month after the order is placed stated by the business
The customers pay: 2 months after the goods ship stated by the business
The duty: 0% of the delivered value, goods and freight. Read from the UK tariff on 9 November 2026: the India preference, which needs proof of origin. Other origins pay 8% READ
Making and shipping time: one month assumed ESTIMATED
What this version rests on
Cash at the start
£300,000stated by the business
Fixed costs a month
£20,000stated by the business
The business stated these figures as of 31 October 2026.
This order
The business's cash is out for 70 days on this order.
The kept plan holds whole months, so each month's money is counted at mid-month.
Before the average payment
Paid, until the money is back
Days on this order, counted from the middle of the first month the business pays out DERIVED
Leg
Day
Money out, on average
36.5
Money back, on average
106.5
Cash out
70
What your lender cannot see yet
Which of these sales your buyers have already ordered. Without it, the pack cannot show the share backed by an order.
If the buyer pays late
a scenario, not a forecast
Paid on time, January and February are under the £75,000 minimum, by up to £27,000.
The business's cash at each month's end if the buyer pays on time COMPUTED
Month
Cash at month end
Against the minimum
November 2026
£280,000
£205,000
December 2026
£208,400
£133,400
January 2027
£68,000
−£7,000
February 2027
£48,000
−£27,000
March 2027
£348,000
£273,000
April 2027
£326,600
£251,600
One month late, January, February and March are under the £75,000 minimum, by up to £47,000.
The business's cash at each month's end if the buyer pays one month late COMPUTED
Month
Cash at month end
Against the minimum
November 2026
£280,000
£205,000
December 2026
£208,400
£133,400
January 2027
£68,000
−£7,000
February 2027
£48,000
−£27,000
March 2027
£28,000
−£47,000
April 2027
£326,600
£251,600
Two months late, January, February, March and April are under the £75,000 minimum, by up to £68,400. £320,000 of sales money would land after the last month shown, so these months do not count it.
The business's cash at each month's end if the buyer pays two months late COMPUTED
Month
Cash at month end
Against the minimum
November 2026
£280,000
£205,000
December 2026
£208,400
£133,400
January 2027
£68,000
−£7,000
February 2027
£48,000
−£27,000
March 2027
£28,000
−£47,000
April 2027
£6,600
−£68,400
Three months late, January, February, March and April are under the £75,000 minimum, by up to £68,400. £320,000 of sales money would land after the last month shown, so these months do not count it.
The business's cash at each month's end if the buyer pays three months late COMPUTED
Month
Cash at month end
Against the minimum
November 2026
£280,000
£205,000
December 2026
£208,400
£133,400
January 2027
£68,000
−£7,000
February 2027
£48,000
−£27,000
March 2027
£28,000
−£47,000
April 2027
£6,600
−£68,400
Ostlerby Mill, 2,000 bolts · Bank Pack · 11 November 2026
Sheet 2 of 2 · The months and the workings
The months of this version
The deal's own cash is what this deal adds in the month, before fixed costs. Cash as kept is the cash path kept with the version's answer.
Each month of the kept plan: the orders, the deal's own cash, and the cash as kept COMPUTED
Month
Orders
The deal's own cash
Cash as kept
November 2026
No order
£0
£280,000
December 2026
2,000 units
−£51,600
£208,400
January 2027
No order
−£120,400
£68,000
February 2027
No order
£0
£48,000
March 2027
No order
£320,000
£348,000
April 2027
No order
£0
£328,000
The business's cash, month by month
The business's cash at each month's end, with the deals that are kept or running DERIVED
Month
Cash at month end
Against the minimum
November 2026
£280,000
£205,000
December 2026
£208,400
£133,400
January 2027
£68,000
−£7,000
February 2027
£48,000
−£27,000
March 2027
£348,000
£273,000
April 2027
£326,600
£251,600
The business's minimum cash balance£75,000stated by the business