Cash flow & operations
Late Invoice Cash Gap Simulator
See how later invoice collections change the funding gap over a chosen daily horizon.
How to use this calculator
- Gather invoices; expected collection dates; probability scenarios; expenses. Use documents covering the same date or period.
- Replace the example values with your own figures. Add or remove rows to match your records. Change one assumption at a time to compare scenarios.
- Review cash gap by date; impact of delayed receipts. Open the breakdown and export a copy for discussion.
How the calculation works
The model subtracts daily expenses and adds each invoice on its expected day. A second ledger shifts every receipt by the delay entered. The minimum balance in each scenario measures the opening funding gap.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Delayed scenario funding gap
- $23,000.00
- Baseline funding gap
- $9,000.00
- Delayed closing cash
- -$5,000.00
- Additional funding gap
- $14,000.00
Questions about the results
What does this tool include?
See how later invoice collections change the funding gap over a chosen daily horizon. The model subtracts daily expenses and adds each invoice on its expected day. A second ledger shifts every receipt by the delay entered. The minimum balance in each scenario measures the opening funding gap.
What should I verify before relying on the result?
All amounts are assumed collected in full on the entered relative day. Use separate rows or scenarios for uncertain collections.
What this result does and does not tell you
All amounts are assumed collected in full on the entered relative day. Use separate rows or scenarios for uncertain collections.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.