Nobody can say right away whether cash will last next week.
Will cash last next week? How do you build a cash flow forecast?
A reliable cash forecast is built week by week: start from the opening balance, add receivable due dates from Logo and the cheque portfolio, subtract payables, loan, card and leasing instalments, tax and payroll. iyibir Finance rebuilds this 13-week forecast every night, flags any gap and ranks your own resources first, then credit, by cost.
Why it happens
- Receivables, payables, cheques, loans and cards live in different places.
- The forecast is built by hand, so it is updated once a month.
- Customers' habit of paying late is not taken into account.
- When a gap appears, a new loan is the first idea; cheaper options are missed.
How it is generally solved
Gather sources in one place
Bank and cash balances, receivable and payable due dates, cheques, loan, card and leasing schedules.
Use realistic due dates
Shift receivable due dates by each customer's past payment delay.
Try scenarios
Test a case such as "this customer pays 15 days late" on the forecast.
Rank options by cost
Compare payment deferral, foreign currency, overdraft, cheques and loans by estimated cost.
With iyibir Finance
- The cash agent rebuilds the 13-week forecast every night from Logo due dates, the cheque portfolio, loan, card and leasing schedules, and the tax and payroll calendar.
- Scenarios are written as sentences: "if Ege Hidrolik pays 15 days late".
- If a week goes negative, the screen explains why, item by item.
- The financing agent ranks your own resources first, then loans, by estimated cost and prepares the application file; only you start an application.
Frequently asked
Is the forecast shown as if it had happened?
No. The cash agent never presents a forecast as actual; forecast and actuals stay separate.
Does the financing agent apply to a bank on my behalf?
No. It ranks the options and prepares the application file; only you start an application.
How are foreign currency items handled?
The net position is shown in the currency you choose at the Central Bank of Türkiye rate; the currency effect on foreign currency loans and leases is shown separately.
Other problems
How do you post bank transactions to Logo without keying them in?
Agents read the transactions overnight, match them to accounts and prepare the voucher batch; in the morning you only approve.
How to fix itWhy does the bank balance in Logo not match the bank, and how do you reconcile it?
Logo and the bank are compared both ways; a balance bridge shows the gap item by item.
How to fix itHow do you keep track of cheque and promissory note due dates?
Cheques are scanned with a phone, the portfolio sits on a due-date calendar, and the agent suggests endorsing or collecting.
How to fix it