Ecommerce operators

13-Week Ecommerce Cash Flow

When does cash fall below your buffer—and how much coverage do you need?

Inputs

Starting position

Opening cash

Bank balance today, all operating accounts.

Minimum cash buffer

The balance you never want to go below.

Shopify payout lag assumption

days

Replace with your Shopify Payments settings.

Shopify processing fee assumption

Replace with your Shopify Payments settings; per-order fees are omitted.

Amazon payout lag assumption

days

DD+7 plus disbursement cycle; replace with settlement dates.

Amazon total fee rate assumption

Pull referral, FBA and storage fees from your settlement report.

Refund rate

Applied to both channels.

Fixed opex, weekly

Rent, software and salaries excluding payroll below.

Payroll amount

Cash paid on each payroll date.

First payroll dateWeekly and biweekly payrolls repeat from this date; semimonthly uses the 15th and last day.Payroll cadenceSemimonthly is approximated as every other model week.

Debt service, weekly

Loan, MCA or revolver payments.

Assumption: weeks before the model use the week-1 sales run-rate.

Weekly plan

Sales and advertising

Week	1	2	3	4	5	6	7	8	9	10	11	12	13
Shopify sales
Amazon sales
Ad spend

Inventory

Purchase orders

Supplier	Total	Deposit %	Deposit wk	Balance wk	Remove

Other cash out

One-offs and tax

Label	Week	Amount	Remove

13-week outlookBuffer holds for 13 weeksLow point: $210,100 in Week 1.

Low point$210,100Week 1

Coverage needed$0

13-week collections$1,073,804

13-week outflows$780,500

Ending cash

No modeled week falls below the cash buffer.

Week	1	2	3	4	5	6	7	8	9	10	11	12	13
Shopify in	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794	$57,794
Amazon in	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806	$24,806
Ads	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000	$18,000
Fixed	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000	$14,000
Payroll	$22,000	$0	$22,000	$0	$22,000	$0	$22,000	$0	$22,000	$0	$22,000	$0	$22,000
POs	$0	$36,000	$0	$0	$22,500	$0	$0	$0	$84,000	$0	$22,500	$0	$0
Debt	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500	$3,500
Other	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Net	$25,100	$11,100	$25,100	$47,100	$2,600	$47,100	$25,100	$47,100	-$58,900	$47,100	$2,600	$47,100	$25,100
Ending	$210,100	$221,201	$246,301	$293,401	$296,002	$343,102	$368,202	$415,303	$356,403	$403,503	$406,104	$453,204	$478,304

Illustrative analysis from the numbers you entered. Not accounting, tax, or investment advice.

Turn the estimate into an operating plan

A calculator can flag the question. A CFO model can account for the timing, risks, and decisions unique to your business.

Explore ecommerce CFO support