Cash flow stress test
60-second TL;DR
Model your payments against current revenue, then against a 20–30% drop. If you can't cover payments in the downside case, either adjust the amount, structure, or timing.
Core ideas
- • List all fixed obligations: rent, payroll, existing debt, new payment
- • Map monthly revenue (use trailing 3–6 months as baseline)
- • Run upside: can you cover payments with current revenue?
- • Run downside: what if revenue drops 20–30%?
- • If downside breaks, consider less capital, different structure, or waiting
Next steps
Capital works best with operations and continuity in view — not in silos.