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    Cash Flow Liquidity Risk Analyst

    1

    Analyze cash runway, liquidity risks, and 13-week forecasts from financial data with professional CFO-level discipline.

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    Cash Flow Liquidity Risk Analyst

    Cash Flow Liquidity Risk Analyst

    Example session with this skill installed

    Analyze this: Starting cash $450k. Monthly revenue $120k (cash collected). Monthly OpEx $180k. Accounts Receivable $90k with 45-day terms. Debt payment $50k due in 60 days. Calculate runway and risks.

    • Read your context and instructions
    • Compiled the cash flow liquidity
    • Generated the document

    I have analyzed the provided liquidity data. The business is currently in a net burn position with a significant debt obligation approaching in two months.

    Liquidity Risk & Runway Analysis

    MetricValueNotes
    Current Unrestricted Cash$450,000Baseline liquidity
    Monthly Cash Inflow$120,000Recurring collections
    Monthly Cash Outflow$180,000Operational burn
    Monthly Net Burn($60,000)Cash deficit per month
    Implied Runway7.5 MonthsBased on recurring burn only
    Adjusted Runway6.6 MonthsAccounting for $50k debt in Month 2
    DSO (Days Sales Outsig.)45 Days$90k AR / ($120k/30)

    Liquidity Assessment

    The current monthly burn of $60,000 is sustainable for the medium term, but the $50,000 debt payment in 60 days creates a concentrated outflow event. While total liquidity is sufficient to cover this, the "Net Cash Position" will drop to $330,000 by the end of Month 2.

    Scenario Analysis

    • Base Case: 7.5 months runway. Assumes consistent collections and no OpEx growth.
    • Downside Case (15% collection delay): 6.2 months runway. AR aging increases, stressing monthly buffer.
    • Severe Downside: 4.8 months runway. Assumes collection drop to $90k/mo and immediate debt call.

    Recommended Actions

    Immediate (0-14 days): Audit the $90k Accounts Receivable. Identify if any invoices can be pulled forward or factored to increase the cash buffer before the debt payment.
    2.

    Near Term (15-45 days): Reduce discretionary OpEx by 10% to offset the impact of the upcoming $50k debt principal/interest payment.
    3.

    Medium Term (46-90 days): Renegotiate customer payment terms from 45 days to 30 days to align inflows more closely with monthly obligations.

    Next steps

    • Provide a detailed breakdown of OpEx to identify discretionary cuts.
    • Confirm if the $50k debt payment is a one-time balloon or recurring.
    • Share current Accounts Payable aging to assess potential supplier pressure.

    cash-flow-liquidity-risk-analyst.pdf

    PDF · document

    Generated

    Example file from a real run - the skill writes it into your workspace.

    Connects securely to your tools. The creator never sees your data.

    What you get

    Calculate monthly cash runway and net burn based on historical collections.Identify liquidity gaps and timing risks in 13-week cash flow forecasts.Model downside scenarios to test business resilience against revenue drops.Audit working capital metrics like DSO and DPO to optimize cash conversion.

    About this skill

    Profitability is not liquidity. This skill solves the critical gap between accounting figures and actual bank balances by providing disciplined cash-flow analysis and runway modeling. It helps finance leaders and founders identify timing risks that standard P&L statements often miss.

    What it does

    Liquidity profiling Distinguishes between unrestricted cash, restricted funds, and undrawn credit facilities.

    Runway calculation Projects months of operations left based on historical or forecasted net burn scenarios.

    Working capital audit Analyzes DSO, DPO, and inventory days to find cash trapped in the conversion cycle.

    Scenario modeling Generates base, downside, and severe downside forecasts to test business resilience.

    Action planning Recommends specific immediate and medium-term steps to preserve cash and close liquidity gaps.

    How it works

    Input data Provide financial statements, bank export summaries, or a list of recent cash movements. Analysis The skill reconciles inflows and outflows, separating recurring items from one-time events. Assessment It calculates key ratios such as the Quick Ratio and Cash Conversion Cycle. Scenarios The skill builds a 13-week forecast or monthly runway model based on stated assumptions.

    Frameworks and tools

    This skill applies GAAP and IFRS liquidity principles using standard financial ratios. It produces structured Markdown tables compatible with most spreadsheet tools and financial reporting templates.

    Why this beats prompting it yourself

    Generic AI often confuses revenue with cash or ignores the timing of payroll and debt service. This skill enforces strict financial discipline, ensuring every runway calculation is transparent and every scenario is grounded in verifiable cash movements rather than optimistic accounting.

    Use cases

    Runway modeling Calculate how many months of cash remain before a new funding round may be required.

    13-week forecasting Build a granular weekly schedule to manage near-term payroll and supplier obligations.

    Liquidity stress testing Evaluate whether the business can withstand a decline in customer collections.

    Working capital optimization Identify whether slow-paying customers are creating a preventable cash squeeze.

    Known limitations

    Requires specific starting balances and net movement data to produce accurate analysis. It cannot access live bank accounts or accounting software APIs directly. Calculations are intended for decision support only.

    How to install

    Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.

    ~30 seconds
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      Unzip into your skills folder

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    3. 3

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