Naked Finance
Strategic Finance Tools

Runway Intelligence Engine

Enter your financial position. The engine generates a 12-month liquidity projection with strategic pressure analysis and executive interpretation.

Figures in GBP. Assumptions are for modelling purposes only and do not constitute financial advice.

Current Position
Opening Cash BalanceTotal liquid cash available
£
Monthly RevenueCurrent monthly receipts
£
Monthly Cost Structure
Fixed CostsRent, subscriptions, overheads
£
Variable CostsDirect costs, materials, services
£
Headcount CostGross salaries including employer's NI (15%), pension, and benefits
£
Growth Assumptions
Revenue GrowthExpected monthly growth rate
% / month
Fixed Cost InflationDefault 0.2% / month (~2.5% annualised)
% / month
Variable Cost InflationDefault 1.5% / month — scales with activity
% / month
Headcount InflationDefault 0.4% / month (~5% annualised)
% / month
Working Capital Cycle
Receivables Days (DSO)Average days to collect from customers
days
Payables Days (DPO)Average days to pay suppliers
days
Runway
9.6 months
under current assumptions
Avg. Monthly Burn
£28,678
net cash consumption
Highest Projected Balance
£300,000
across opening + 12 months
Month 12 Revenue
£110,739
projected at growth rate
12-Month Cash Trajectory
ExhaustionNowMayJulSepNovJanMarApr-£92k£128k£348k
Executive Summary

At the current trajectory, the business maintains approximately 9.6 months of runway under these assumptions. The cash position reaches -£44,141 by the end of the projection period.

Revenue growth of 3.0% per month outpaces blended cost inflation of 0.5%, creating gradual improvement in operating leverage across the period.

Pressure Analysis
✓Revenue growth outpacing blended cost inflation. Operating leverage improving over the period.
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A Note on Sophistication

What This Tool Does Not Capture

This engine provides a directional view of liquidity resilience. Real strategic finance modelling is materially more nuanced.

Revenue Concentration Risk

A single client representing 40% of revenue creates asymmetric downside exposure that aggregate growth figures do not reveal. Stress testing by customer concentration is essential.

Working Capital Complexity

Real NWC modelling includes payables management, inventory cycles, contract milestones, and VAT timing. The receivables proxy used here is directionally useful but structurally simplified.

Downside Scenario Sensitivity

This model reflects a single trajectory. Rigorous liquidity planning requires parallel scenarios: base, conservative, and stress. Decisions made on base-case assumptions alone carry significant execution risk.

Debt and Covenant Obligations

If the business carries debt, covenant thresholds and repayment schedules create hard cash obligations that compress effective runway materially below what this model shows.

Tax and Payroll Timing

Corporation tax, VAT, and PAYE create lumpy cash outflows that can distort monthly liquidity significantly. These timing effects are invisible in simplified monthly projection models.

Capital Allocation Decisions

Strategic hires, technology investment, and growth expenditure create non-linear cost inflections. A single headcount decision can shift the runway profile by two to three months.

When liquidity planning informs board decisions, investor conversations, or strategic pivots, the difference between a simplified model and a professionally constructed one is material.

Explore Strategic Scenario Planning→