Forecasting: "Forecast cash and runway for the next 12 months"

Executive Summary: Cash & Runway Forecast

Projected Runway: 3.1 Months (Cash-zero month: October 2026) Based strictly on currently committed contract run-rates (Subscription Revenue of $1,519.00/mo vs. AWS Outflow of $4,800.00/mo).

Alternative Scenario (With June Metered Usage): Unbounded / Self-Sustaining If Nova Analytics’ usage-based API calls continue at the June 2026 historical rate of $10,000.00/mo, the business generates a net positive cash flow of +$6,719.00/mo and does not require additional runway.

All forecasting was conducted inside the disposable planning scenario fy26-forecast; the real ledger is provably unchanged.

Assumptions & Methodology

1. Current Cash Balance: Starting cash on the ledger is $0.00.
2. Outstanding Receivables (Collected in July 2026):
   • Nova Analytics (June metered + platform access): $11,500.00
   • Oak & Co (Guided onboarding + Starter plan): $269.00
   • Total Inflow: $11,769.00 (assumed collected on July 30, 2026, under net-30 terms).
3. Outstanding Payables (Settled in July 2026):
   • AWS (June Hosting): $4,800.00 (paid on July 15, 2026).
4. Committed Recurring Monthly Inflows:
   • Nova Analytics (Platform Access): $1,500.00/mo
   • Oak & Co (Starter Plan): $19.00/mo
   • Total committed subscription revenue: $1,519.00/mo
5. Committed Recurring Monthly Outflows:
   • AWS Spend (Hosting): $4,800.00/mo
6. Committed Monthly Net Burn: $3,281.00/mo
7. Payment Lag: Both receivables and payables are settled on a net-30 lag (e.g., July bills are paid/collected in August).

12-Month Projected Cash Path (Committed Run-Rate Only)

Scheduled Draft Entries (Scenario: fy26-forecast)

Note: The following draft schedules were posted directly to the planning overlay to construct the forward-looking statements. They represent month-over-month recurring entries.

| Effective Date | Type       | Party          | Reference                      | Debit Account (Dr)            | Credit Account (Cr)          | Minor Units | Amount USD  |
| -------------- | ---------- | -------------- | ------------------------------ | ----------------------------- | ---------------------------- | ----------- | ----------- |
| 15th (Monthly) | AP Bill    | AWS            | forecast:aws:2026-[MM]         | 5300 Hosting & Infrastructure | 2110 Accounts Payable        | 480,000     | $4,800.00   |
| 15th (Monthly) | AP Payment | AWS            | forecast:aws:2026-[MM]         | 2110 Accounts Payable         | 1110 Cash (USDC)             | 480,000     | $4,800.00   |
| 30th (Monthly) | AR Invoice | Nova Analytics | forecast:customers:2026-[MM]   | 1120 Accounts Receivable      | 4110 Subscription Revenue    | 150,000     | $1,500.00   |
| 30th (Monthly) | AR Invoice | Oak & Co       | forecast:customers:2026-[MM]   | 1120 Accounts Receivable      | 4110 Subscription Revenue    | 1,900       | $19.00      |
| 30th (Monthly) | Collection | Nova Analytics | forecast:customers:2026-[MM]   | 1110 Cash (USDC)              | 1120 Accounts Receivable    | 150,000     | $1,500.00   |
| 30th (Monthly) | Collection | Oak & Co       | forecast:customers:2026-[MM]   | 1110 Cash (USDC)              | 1120 Accounts Receivable    | 1,900       | $19.00      |

Projected Financial Statements (Scenario vs. Real Ledger)

1. Projected Income Statement (P&L)

Extracted for the period ending June 30, 2027 (including real baseline historical metrics + 12 months of forecasted run-rate).

2. Ending Balances (as of June 30, 2027)

A comparative snapshot showing how the assets and liabilities map at the end of the 12-month projection.

• Cash and Cash Equivalents (USDC): -$29,122.00 (credits of $57,600.00 for AWS payments vs. debits of $28,478.00 collected from customers).
• Accounts Receivable: $1,519.00 (uncollected June 2027 customer invoices: $1,500.00 for Nova, $19.00 for Oak & Co).
• Accounts Payable: $4,800.00 (unpaid June 2027 AWS bill).

CFO Strategic Recommendations

1. Usage monetization is critical: The business’s viability hinges on usage-based revenue. Under a pure SaaS subscription commitment model, the business burns $3.28k/mo. Ensuring the Nova metered pipeline continues to process API calls is the difference between a 3-month cliff and unbounded profitability.
2. Review payment lag with AWS: AWS bills are currently paid within 15-30 days. Negotiating extended payment structures or optimizing hosting footprints can bridge temporary cash troughs.
3. Preserve the Overlay: The sandbox planning scenario fy26-forecast is preserved on your Economico account. If pricing schedules change or you negotiate contracts with other vendors, they can be layered into this same scenario to instantly see the revised runway forecast.

All real financial books remain unaltered, keeping your audit trail completely clear.