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T246 · Cat-20 · SME Financial Health · Stress Testing

Run a 13-week cash flow stress test for your SME

Apply adverse shocks — revenue drops, payment delays, unexpected capex — to a 13-week rolling cash flow model. See which weeks breach your minimum cash buffer, estimate cash runway under each scenario, and export a Markdown cash management memo. Client-side. Zero PII.

Cash FlowStress Testing13-Week ModelZero PII · Client-side

Last Reviewed · 2026-05-12

Configuration — Base Cash Flow

Currency

Minimum Cash Buffer (alert threshold)

Opening Cash Balance

Enter a non-negative cash balance.

Weekly Receivables (expected cash in)

Enter a non-negative amount.

Weekly Payables (expected cash out)

Enter a non-negative amount.

Stress Shocks to Apply (select all that apply)

Revenue drop −20% from week 3−20%

Revenue drop −40% from week 3 (severe)−40%

Customer payment delay +15 days (weeks 4–8)+15d

Customer payment delay +30 days (weeks 4–10)+30d

Unexpected capex in week 5CAPEX

Unexpected Capex Amount

13-Week Cash Flow Stress Test

Base Cash Runway

—

weeks before minimum buffer hit

Stressed Runway

—

under combined shocks

Minimum Cash (Stressed)

—

lowest balance over 13 weeks

Week	Opening	Receivables	Payables	Shocks	Closing

Methodology & Citations

13-week cash flow horizon is the UK FCA standard for assessing near-term liquidity stress for regulated firms, and widely adopted by lenders for SME monitoring. Source: FCA SS2/19 Liquidity Standards.
Revenue stress shocks (−20%, −40%) are based on scenarios used in the PRA/Bank of England SME lending stress tests 2024 and British Business Bank SME Finance Monitor.
Payment delay shock (+15/+30 days) reflects industry-average debtor deterioration during a mild/moderate economic downturn. Source: Atradius Payment Practices Barometer 2024.
Cross-reference: use T240 Working Capital Gap Calculator to size the funding gap that emerges from a sustained payment delay scenario, and T42 for a full cash flow stress laboratory.

About This Tool

13-week model — the industry-standard near-term liquidity horizon. Regulators, lenders, and administrators use 13 weeks to assess whether a business has sufficient cash reserves to withstand a trading shock.

Shocks modelled:

• Revenue −20% — mild recession / lost contract scenario
• Revenue −40% — severe downturn / market exit
• Payment delay +15d — debtors slow paying
• Payment delay +30d — debtor stress / dispute
• Unexpected capex — equipment failure / urgent repair

Red rows = closing cash below minimum buffer. This is your early warning signal — plan a liquidity response before reaching this point.

Cross-link: T240 Working Capital Calculator — size the funding gap and identify invoice finance, RBF, or overdraft options to bridge a stressed position.