Cash Flow Stress Test

Know exactly how many days
of cash you have.

A forward-looking liquidity model that converts your receivables, payables and banking facilities into three defensible runways, a six-period cash ladder and a board-ready PDF. Built from the CFO's seat.

Calculated in your browser|No data stored on servers|AED / USD / GBP / EUR / SAR
① Liquidity RunwayBank view
Optimistic ceiling
Cash plus overdraft divided by fixed monthly burn. The maximum buffer if every inflow stops today.
( Cash + OD ) ÷ Monthly burn × 30
② Operational RunwayCFO view
True ledger runway
The exact day cumulative cash hits zero on the full six-period inflow and outflow ladder.
Opening + Inflows − All outflows, rolled month by month
③ Survival RunwayEmergency floor
The red line
Payroll, rent and bank charges only. The hard minimum before the business cannot meet its obligations.
( Cash + OD + liquidatable stock ) ÷ Essential burn × 30
82%
of business failures link to cash-flow problems, not insufficient profit
60%
of SMEs report liquidity strain from late payments and extended terms
Profit ≠ Cash
A healthy P&L can hide a liquidity crisis forming inside 60 days
How it works

Four steps to a defensible number.

01
Enter your financial position
Cash in bank, overdraft facilities, and the inflows and outflows you expect over the next six months: AR, PDCs, LCs, trade payables, TR maturities and exceptional items.
02
Receive three runway outputs
Liquidity, Operational and Survival. Each with the formula, a Survivability Index score, and the precise cash-zero date under the current scenario.
03
Stress test and model management actions
Apply AR shocks, PDC failures and TR rollover refusals. Activate management responses: collect overdue AR, extend payables, liquidate slow stock, and see the runway move in real time.
04
Download the board PDF
An A4 report with CFO commentary, the three runways, the full cash ladder, stress scenarios, working-capital sensitivity and a recommended board action. Ready to present.
What's included

Everything a CFO needs.

Six-period cash ladder
Month-by-month opening, inflows, outflows, net and closing. Live RAG status per period (Healthy, Moderate, High, Critical).
View ladder
Live scenario lab
Preset stress scenarios (base, moderate, severe, recovery) and individual levers including AR shock, PDC stress and TR rollover. All outputs update instantly.
Run scenarios
Board-ready PDF report
A4 with cover, CFO commentary, three runway breakdowns, ladder, stress tests and working-capital sensitivity.
Download PDF
Cash Conversion Cycle
Receivable days, inventory days and payable days. Pinpoints where working capital is trapped and what to fix first.
Analyse CCC
Survivability Index
A composite score from 0 to 100 covering runway length, OD utilisation, TR dependency, customer concentration and CCC.
Check score
Runs in your browser
Every calculation runs on your device. Nothing is sent until you choose to download the board report.
Learn more
Your figures are calculated locally and never stored. Submit contact details only when you choose to download the board PDF.

Ready to know your real runway?

Free to use  |  No account  |  Takes about 10 minutes

Management insight only. Forward-looking decision-support, not audit, tax or legal advice. © 2026 Valorin Finance & Advisory.

What does the Cash Flow Stress Test do?

This tool tests how your cash position holds up over the coming months under pressure, such as slower customer payments, weaker collections or inventory build-up. It shows how long your cash would last after those shocks, so you can act before liquidity becomes a problem.

How to use it

  1. Enter cash in bank, expected collections and payments for the coming months, receivables, inventory and letters of credit.
  2. Apply stress factors such as customer payment delays, weaker collections or inventory build-up, and test actions such as cost reduction.
  3. See your adjusted runway, and download the full PDF report to keep the results.

Cash Flow Stress Test: questions and answers

What is a cash flow stress test?

It recalculates your cash position under adverse assumptions, such as a drop in sales or slower collections, to show how much headroom you have and when cash would run short.

How often should I run it?

Whenever your trading conditions change, and at least before each budget or financing discussion. A rolling 13-week cash forecast is the usual way to monitor it in between.

What happens to the information I enter?

The calculation runs in your browser. To get the full report you are asked for your contact details; when you send them, your details and your assessment inputs are emailed to Valorin so we can follow up if you want. Nothing is sent before you choose to submit.

Is the result tax or financial advice?

No. The result is an estimate for planning, based only on the figures and answers you enter. It is general information, not legal, tax or financial advice. For a decision, have your position reviewed against your full facts.

Related

Want a second opinion on your result? WhatsApp 058-2754282 or send a request.

General information only, not legal or tax advice.