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CASH FLOW PROJECTION

Acme SaaS Inc

12-Month Forecast · Jan 2025 – Dec 2025 · Generated March 18, 2025

Starting Cash
$2.1M
Projected EoY
$3.3M
Min Runway
26 mo

12-Month Cash Projection — 3 Scenarios

Optimistic
Base Case
Stress

Monthly Cash Flow — Base Case (USD thousands)

Category Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Subscription Revenue 310325342360380398418440462485510535 4,965
Services Revenue 283032353840424548505255 495
Payroll & Benefits (185)(185)(195)(210)(210)(210)(225)(225)(225)(240)(240)(240) (2,590)
Infrastructure (38)(40)(42)(44)(46)(48)(50)(52)(54)(56)(58)(60) (588)
S&M Spend (72)(75)(78)(82)(85)(90)(95)(95)(100)(105)(110)(115) (1,102)
Net Cash Flow +43+55+59+59+77+90+90+113+131+134+154+175 +1,180
Cash Balance EoM 2,1432,1982,2572,3162,3932,4832,5732,6862,8172,9513,1053,280

Key Assumptions

MoM Revenue Growth5.2% avg
Monthly Churn Rate0.35%
New Customer ARR (avg)$26K
Payroll Growth+8 hires in H1
Infra Cost % Revenue10.5%
Effective Tax Rate21%

Risk Factors

H
Churn Spike

If churn doubles to 0.7%/mo, EoY cash drops to $2.6M. Still viable, but growth slows materially.

M
Hiring Delays

If VP Sales delayed 3 months, new ARR projections shift right by ~$300K. Manageable via existing team.

L
Enterprise Deal Timing

2 enterprise deals may shift quarters. Cash impact is timing-only; pipeline coverage 3x reduces deal risk.

Scenario Comparison — Year-End 2025

Stress Case
$2.2M
Ending Cash
Revenue Growth18%
Churn Rate0.7%/mo
Runway18 months
Base Case ← Current
$3.3M
Ending Cash
Revenue Growth34%
Churn Rate0.35%/mo
Runway26 months
Optimistic Case
$4.8M
Ending Cash
Revenue Growth52%
Churn Rate0.2%/mo
Runway36+ months
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