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cash-flow-forecasting现金流量预测

Agent Skill

cash-flow-forecasting 用于查找、检索和筛选相关信息,适合在 Codex、Claude、Cursor、Gemini CLI 中需要根据关键词、任务场景或来源线索快速定位候选结果时使用。可结合来源仓库、安装命令和原始 README 继续核验具体用法。安装前建议确认权限范围、维护状态,以及是否会触发联网、命令执行或文件读写。

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CodexClaudeCursorGemini CLI

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本站只整理中文说明和来源信息,不托管安装包,也不代用户安装。

GitHub

来源数

2

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最后核验

2026-05-01

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通过对话安装

复制提示词发给支持本地命令或 Skills 的 AI 助手,先确认命令和权限,再让它执行。

请帮我安装这个 Agent Skill:cash-flow-forecasting(现金流量预测)
来源仓库:https://github.com/finsilabs/awesome-ecommerce-skills
仓库路径:skills/cash-flow-forecasting
安装命令:
npx skills add https://github.com/finsilabs/awesome-ecommerce-skills --skill cash-flow-forecasting
安装前请先检查当前环境是否支持对应 CLI,并向我确认将要执行的命令、安装目录、联网范围和文件读写权限;确认后再执行。

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skills.shnpx skills
npx skills add https://github.com/finsilabs/awesome-ecommerce-skills --skill cash-flow-forecasting

简介

cash-flow-forecasting 针对电商业务特点预测实际银行账户收支时点,而非会计收入确认时间。

  • 识别支付处理延迟、库存采购周期与市场放款节奏差异,建立 13 周滚动现金流模型。
  • 结合平台原始数据生成可操作的资金管理建议,适用于初创企业 runway 规划与税务预算。
  • 需接入电商平台交易流水与供应商账期信息,数据颗粒度影响预测准确性。
  • 适用宿主包括 Codex、Claude、Cursor、Gemini CLI,接入前应确认版本、权限和运行环境要求。

SKILL.md

Cash Flow Forecasting

Overview

Cash flow forecasting predicts when money actually enters and leaves your bank account — not when revenue is recognized. For ecommerce businesses, cash and revenue timing diverge significantly: payment processors hold funds for days or weeks, inventory must be purchased and paid for weeks before it sells, and marketplace disbursements are bi-weekly or delayed by account reviews.

This skill guides you through building a 13-week rolling cash flow forecast using your platform's data, covering the key cash timing differences by sales channel, and setting up a simple model in a spreadsheet or BI tool that you update weekly.

When to Use This Skill

  • When managing cash position and needing to know your runway
  • When planning inventory buys and needing to confirm you have the cash to fund them
  • When preparing for a fundraise and needing to show investors a 12–18 month cash model
  • When stress-testing the business against a revenue shortfall scenario
  • When selling on Amazon and managing bi-weekly disbursement timing
  • When planning for seasonal cash flow gaps (Q1 trough after Q4 peak)

Core Instructions

Step 1: Pull your historical revenue and expense data from your platform

Before building a forecast, gather 12 months of actuals. Here is where to find the data by platform:


Shopify

  1. Revenue data: Go to Analytics → Reports → Sales over time — export to CSV; this gives you daily/weekly/monthly gross sales, discounts, returns, and net sales
  2. Order-level data: Go to Analytics → Reports → Orders over time — shows order count and AOV trends useful for projecting future orders
  3. Finance summary: Go to Analytics → Finances summary — shows gross sales, discounts, returns, shipping charged, and net sales for any date range
  4. Payouts: Go to Finances → Payouts — shows exactly when Shopify Payments transferred funds to your bank and the amount; this is your actual cash inflow history, not just revenue recognition
  5. Export orders: Go to Orders → Export — download all orders with financial data; use this to build a detailed spreadsheet model

Shopify Payments cash timing:

  • Standard payout: 2–3 business days after the transaction
  • After confirming your payout schedule in Finances → Payout schedule, build this lag into your inflow model

WooCommerce

  1. Revenue data: Go to WooCommerce → Analytics → Revenue — shows gross revenue, refunds, coupons, net revenue, and taxes by day/week/month; export to CSV
  2. Orders export: Go to WooCommerce → Orders → Export — download order history with payment method, dates, and amounts
  3. Payment gateway timing: Check your gateway dashboard (Stripe, PayPal, Square) for payout history and typical lag:

- Stripe: typically 2 business days - PayPal: 1–3 business days (can vary for new accounts)

  1. Expenses: WooCommerce does not track expenses natively; pull these from your accounting system (QuickBooks, Xero) or bank statements

BigCommerce

  1. Go to Analytics → Store Overview — shows revenue, orders, and conversion trends; export to CSV
  2. Go to Analytics → Purchase Funnel and Analytics → Marketing for additional revenue breakdowns
  3. Use BigCommerce's data export API or connect via Stitch or Fivetran to pull order data into a spreadsheet or warehouse for multi-month analysis

Step 2: Map cash timing by channel

The most important step is understanding the lag between when revenue is earned and when cash arrives. Build a channel-by-channel timing table:

ChannelTypical Cash LagNotes
Shopify Payments (credit card)2–3 business daysSet in Shopify under Finances → Payout schedule
Stripe (direct)2 business daysConfigurable; can be daily
PayPal1–3 business daysNew accounts may have longer holds
Amazon FBA14 daysBi-weekly disbursements; check Seller Central → Payments
Amazon FBM14 daysSame bi-weekly schedule
eBay Managed Payments2 business daysCheck eBay Payments dashboard
Walmart Marketplace14 daysMonthly disbursement cycle
Wholesale / Net-3030 daysInvoice date to expected payment
Wholesale / Net-6060 daysFactor in 2–5% bad debt rate
Buy Now Pay Later (Afterpay, Klarna)2–3 business daysBNPL providers pay merchant immediately; no customer lag

Build this timing into your cash inflow schedule: For each week's projected revenue, create a separate row showing when that cash actually arrives. Revenue earned this week from Amazon arrives in the week two weeks from now.

Step 3: Build a 13-week rolling cash flow model

Use a spreadsheet (Google Sheets or Excel) with this structure. Update it every Monday morning.

Model structure (one column per week, 13 weeks forward):

                          WK1    WK2    WK3    WK4    ...  WK13
OPENING CASH BALANCE

OPERATING INFLOWS
  + Shopify Payments (2-day lag from prior week sales)
  + Amazon disbursement (bi-weekly; map exact dates)
  + PayPal settlements
  + B2B/wholesale payments (net-30 invoices due this week)

OPERATING OUTFLOWS
  - Inventory purchases (PO payments due this week)
  - Inbound freight & duties
  - 3PL / fulfillment fees (typically billed weekly)
  - Outbound shipping not passed to customer
  - Marketing & ad spend (credit card charge date, not spend date)
  - Payroll (exact pay dates)
  - Platform/software subscriptions
  - Rent & facilities
  - Customer refunds (process in same week issued)
  - Sales tax remittances (quarterly — schedule known dates)

NET WEEKLY CASH FLOW
CLOSING CASH BALANCE

Getting outflow data:

  • Inventory payments: Pull open purchase orders from your supplier portal or inventory system; note the due date for each PO
  • Marketing spend: Check your credit card statement for when ad platform charges clear (usually monthly billing cycle); Meta and Google bill in arrears or when threshold is reached
  • Payroll: Use exact pay dates from your payroll system (Gusto, ADP, Rippling)

Step 4: Build base / bear / bull scenarios

Run three scenarios:

ScenarioRevenue AssumptionPurpose
Base caseCurrent trajectory (prior 4-week average)Day-to-day planning
Bear case70–75% of base case revenueStress test; answers "how long can we survive?"
Bull case120–125% of base case revenueUpside planning; "can we fund the growth?"

Critical rule: In the bear case, reduce inflows by the revenue shortfall percentage but do NOT reduce fixed outflows (payroll, rent, software). Only variable costs (COGS, marketing, variable fulfillment) should scale with revenue. This is the most common forecasting mistake — in a revenue downturn, fixed costs remain, which dramatically worsens cash position.

Runway calculation: Find the first week in the bear case where the Closing Cash Balance reaches your minimum viable cash threshold (typically 4–6 weeks of fixed operating costs). The number of weeks until that point is your runway under the bear case.

Step 5: Connect to live data for automatic updates


Shopify

Use Shopify's built-in Finances export (scheduled weekly) or connect via:

  • Shopify + Google Sheets: Install the Sheets for Shopify app to sync orders and payouts automatically into your cash flow spreadsheet
  • Shopify + Xero/QuickBooks: Use the Xero or QuickBooks Shopify integration to sync payout data into your accounting system, then build your forecast in your accounting tool

WooCommerce

  • Connect WooCommerce → QuickBooks (via the official WooCommerce QuickBooks plugin) or WooCommerce → Xero (via the WooCommerce Xero extension)
  • Use Metorik to export weekly revenue data into a CSV that feeds your spreadsheet model

Dedicated cash flow tools (all platforms)

These tools connect to your bank, payment processors, and ecommerce platforms to build automated cash flow forecasts:

  • Float (floatapp.com): Connects to Xero/QuickBooks; great for 13-week cash forecasting
  • Pulse (pulseapp.com): Simple cash flow tool with manual and bank-feed inputs
  • Dryrun: More advanced; supports scenario modeling and connects to accounting systems
  • Runway (runway.com): More comprehensive financial planning tool; connects to QuickBooks/Xero

Best Practices

  • Update the 13-week forecast every Monday morning — use prior-week actuals to replace the oldest week's projection and roll the forecast forward one week
  • Reconcile the forecast to your actual bank balance weekly — if there is a gap between forecast and actual closing balance, find it before it compounds
  • Model Amazon payment timing explicitly — Amazon bi-weekly disbursements are the single largest source of cash timing surprises for marketplace sellers; map the exact disbursement dates for the next 13 weeks
  • Build a minimum viable cash threshold — define the minimum cash balance needed to operate; alert yourself when the forecast shows cash approaching this floor
  • Track the ad spend cash outflow date, not the spend date — Meta and Google bill monthly or when a threshold is reached; the credit card payment date is when cash leaves, not when impressions run
  • Schedule tax remittances as known outflows — sales tax remittances, quarterly estimated income taxes, and VAT payments are predictable; put them on the calendar in the model

Common Pitfalls

ProblemSolution
Confusing revenue with cashA $50K wholesale invoice recognized in March will not generate cash until May under Net-60 terms; always model the timing layer separately
Ignoring seasonal inventory build-upHeavy inventory spend in July–September (buying Q4 stock) causes a cash trough months before holiday revenue arrives; forecast the inventory payment schedule explicitly
Not modeling returns as cash outflowsRefunds are cash outflows that happen before you recover inventory; high-return categories need a return cash reserve modeled into weekly outflows
Ad spend lag not accounted forMonthly credit card billings for ad platforms clear days after the billing period; model the card payment date as the cash outflow, not the daily spend date
Single-point estimate onlyAlways run base and bear scenarios; a model showing only the base case gives false confidence
Missing one-time outflowsTax payments, insurance renewals, software annual contracts, and trade show expenses are predictable; add them to a forward calendar and populate the model

Related Skills

  • @ecommerce-budgeting-forecasting
  • @financial-reporting-dashboard
  • @profit-margin-analysis
  • @unit-economics-tracking
  • @marketplace-fee-reconciliation

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