Deal math
12-month month-by-month cash flow projection for an ecommerce acquisition — SDE growth, operator salary, SBA debt service, and working-capital build. Surfaces the minimum-cash month. Free. No signup.
Ending cash (month 12)
$134,195
Positive FCF every month and cash builds through the year. This is the shape lenders underwrite on.
| Mo | FCF | Ending |
|---|---|---|
| 1 | $4,500 | $54,500 |
| 2 | $4,935 | $59,435 |
| 3 | $5,377 | $64,812 |
| 4 | $5,825 | $70,636 |
| 5 | $6,280 | $76,916 |
| 6 | $6,741 | $83,657 |
| 7 | $7,210 | $90,867 |
| 8 | $7,686 | $98,552 |
| 9 | $8,168 | $106,721 |
| 10 | $8,658 | $115,379 |
| 11 | $9,156 | $124,535 |
| 12 | $9,661 | $134,195 |
FCF = SDE − salary − debt service − WC build. Min-cash month is highlighted in the table — that is the stress point of the year. If it goes negative, you need either a working-capital line or a bigger reserve at close.
Month-by-month steady-state projection — does not model seasonality, one-time capex, or tax timing. Pair with DSCR (annual ratio), Working Capital Estimator (reserve sizing), and ROI/IRR (multi-year returns) for the full underwriting picture.
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DSCR is an annual ratio that hides within-year troughs. A business can have DSCR 1.3 on paper and still run out of cash in month 4 because of working-capital build, a slow quarter, or a big inventory PO. The Cash Flow Projector surfaces that specific month so you can size the operating reserve to bridge it.
A conservative floor is one full month of fixed costs — enough to cover payroll + rent + ads if nothing sells. Lenders often want more (3–6 months) in a separate working-capital reserve at close; that shows up as the starting-cash input here.
Working capital consumed each month — usually inventory. A growing ecommerce business buys more inventory than it sells in a given month during growth periods, which takes cash out of the P&L that never hits SDE. Estimate it as (monthly revenue growth × avg months of inventory). Can be negative in months where you release inventory.
ROI/IRR is multi-year and focuses on equity returns over the full hold. Cash Flow Projector is a single year, monthly granular, and focused on operational runway — will the business run out of cash in any month? Use both: Projector for operational sizing, ROI/IRR for the exit return.
1.5%/mo compounds to ~20%/yr, which is aggressive for an existing ecommerce business at steady state. Use 0.5–1%/mo for conservative underwriting; 2%+/mo only if you have a specific growth lever (new channel launch, pricing change, underindexed category). Over-estimating here is how deal underwriting goes wrong.