Cash Flow Liquidity Risk Analyst

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.