A business can be profitable on paper and still run out of cash.
That is the problem CashFlow 36™ is built to solve.
A yearly forecast may tell you “You should make ₦X this year.”
It often fails to show which month cash becomes tight, when a major expense hits, when loan repayments begin, when a new product starts generating sales, or how early-stage cash requirements evolve.
CashFlow 36™ changes the question from
“Will the business be profitable?”
to
“Will the business have enough cash to keep operating month after month?”
Three Years. Thirty-Six Months. One Clear View.
The model divides the forecast into:
Year 1 (Months 1–12)
Year 2 (Months 13–24)
Year 3 (Months 25–36)
Each year has its own monthly cash-flow worksheet. The Summary sheet consolidates the entire 36-month period for quick comparison.
What You Can Model
Up to 10 products/revenue streams with quantity, unit cost, selling price, growth, price change, sales-start month and loss assumptions
Full operating cost structure (raw materials, salaries, rent, marketing, utilities, logistics, insurance, etc.)
Capital expenditure with purchase timing (equipment, vehicles, premises, furniture, etc.)
Loan / financing assumptions (amount, interest, duration, moratorium and monthly repayments)
Opening cash position
Timing Is Everything
One of the most powerful features is the Sales Start Month. Different products can begin generating revenue in different months. This allows realistic modelling of product launches, new branches, seasonal items or delayed production start-ups — instead of assuming every revenue stream exists from Day 1.
Built-In Growth & Scenario Control
Annual volume growth and price-change drivers that compound into Year 2 and Year 3
Simple Cost Factor (1.00 Base / 0.90 Optimistic / 1.15 Pessimistic) to test different cost environments
The Cash-Flow Engine Structure
Every monthly sheet tracks:
Cash In (sales + financing)
Operating Outflows
Capital Expenditure
Debt Service (loan repayments)
Net cash movement and Ending Cash Position
Hero Message
Profit tells you how the business performed.
Cash flow tells you whether it can survive the journey.
CashFlow 36™ gives you a month-by-month financial runway for the first 36 months of the business.
