LOCAL CALCULATION • NO BACKEND

Cash Flow Stress-Test Copilot — Quick Stress Test

The quick tool performs core scenario calculations locally in your browser. The full Custom GPT adds guided analysis, file review, deeper modeling, document preparation, and narrative outputs.

GREENReady to model

STEP 01

Build the baseline

Detailed 13-week editor

Business type Current available cash Protected minimum cash Green safety buffer Typical weekly inflows Typical weekly outflows (excluding payroll) Payroll amount Payroll frequency Starting payroll week Available reserve cash Available credit (not cash until drawn)

STEP 02

Apply the shock

Slow week

Start week Number of weeks Revenue decline Decline unit Classification Recovery week Recovery cost

Broken equipment

Failure week Repair cost Repair payment week Downtime weeks Revenue at risk / week Protected capacity % Rental / outsourcing cost Rental payment week Delayed work recovered Recovery week Overtime / recovery cost Insurance proceeds Insurance receipt week

Weather closure

Closure week Closed days Normal revenue / open day Protected capacity % Delayed revenue Revised collection week Spoilage Cleanup / temporary cost Reopening cost Reopening cost week Insurance proceeds Insurance receipt week

Payroll already included in the baseline is not added again.

Delayed receivable

Amount Original collection week Revised collection week

The amount is removed from the original week before it is added to the revised week.

Active shocks

Current shock will be included. Use “Stack another” to preserve it and add another.

STEP 03

Seven numbers that matter

GREEN

RECOVERY WEEK—

PRIMARY DRIVER—

BEST RESPONSE LEVER—

Accessible weekly cash results
Week	Beginning cash	Baseline ending cash	Stress ending cash	Status

STEP 04

Handle the response

Borrowing is not automatically first or best.

Accelerated receivables New deposits Expense freeze Reduced owner distributions Supplier payment timing Delayed purchase Reserve transfer Working-capital drawCannot exceed available credit.

Enter one or more actions to compare the revised low point, funding gap, timing improvement, and tradeoffs.

STEP 05

Export the decision record

Save this draft on this device

Need uploaded-file review or a lender/advisor summary?

Open the full Copilot for guided analysis, document preparation, deeper scenarios, and narrative outputs.

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