Agent-Skills.md

Agent Skills: Cash Flow Forecaster

Build a 13-week rolling cash flow forecast from bank exports, AR aging, AP bills, payroll, and recurring commitments -- the report that tells a small business whether it survives the quarter. Flags the crunch weeks early enough to act.

UncategorizedID: OneWave-AI/claude-skills/cash-flow-forecaster

Repository

OneWave-AI/claude-skills
OneWave-AILicense: MIT
22238

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pnpm dlx add-skill https://github.com/OneWave-AI/claude-skills/tree/HEAD/cash-flow-forecaster

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cash-flow-forecaster/SKILL.md

Skill Metadata

Name
cash-flow-forecaster
Description
Build a 13-week rolling cash flow forecast from bank exports, AR aging, AP bills, payroll, and recurring commitments -- the report that tells a small business whether it survives the quarter. Flags the crunch weeks early enough to act.

Cash Flow Forecaster

Profitable businesses die of cash starvation; the 13-week forecast is the instrument that prevents it. Input: bank/transaction exports (.csv/.xlsx), open invoices (AR), upcoming bills (AP), payroll schedule, and known recurring items. Output: a week-by-week cash position with the crunch points circled.

Workflow

  1. Establish the baseline. Current cash across accounts (from the most recent export -- state the as-of date prominently). Reconstruct 8-12 weeks of history to learn the rhythm: payroll cadence, rent day, typical weekly card/vendor spend, revenue deposit patterns.
  2. Schedule the knowns. Inflows: open AR placed in the week each invoice is likely paid -- due date plus that customer's historical lateness, not the due date printed on the invoice. Outflows: payroll (with tax deposit timing), rent, loan payments, insurance, subscriptions, credit card due dates, quarterly estimated taxes -- the ambush everyone forgets.
  3. Model the unknowns. Recurring-but-variable spend from historical averages, labeled ESTIMATE. New revenue only if the user provides expected deals -- never invent pipeline.
  4. Build the forecast. cash-flow-13wk.csv + summary: weekly beginning cash, inflows, outflows, ending cash. Flag every week ending below the user's minimum comfort level (ask; default one payroll cycle) as CRUNCH, and the first crunch week is the headline.
  5. Scenario the levers. For each crunch: what closes the gap -- which specific AR to chase this week (pairs with cowork-invoice-chaser), which AP can slide two weeks without damage, where the line of credit covers, what the owner draw pause buys. Concrete moves with amounts, not advice-shaped sentences.

Rules

  • Payment behavior beats due dates: a net-30 customer who pays in 55 days forecasts at 55.
  • Never fabricate inflows. Hope is not a week-9 deposit; unconfirmed revenue stays out or sits in a clearly separated optimistic scenario.
  • Estimates are labeled and totaled separately so the user can see how much of the forecast is soft.
  • Weekly granularity, not monthly -- a month that nets positive can contain a week that bounces payroll.
  • The as-of date and data gaps are stated up front; a forecast built on a two-week-old balance says so.
  • Re-run weekly: roll the window, compare actuals to last week's forecast, and report the misses -- forecast accuracy is a metric.

Quick Commands

  • "Forecast from [files]" -- full workflow
  • "When's my next crunch?" -- the headline week and its gap
  • "What if [customer] pays late?" -- single-scenario rerun
  • "Roll the forecast" -- weekly update against actuals