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Plan cash receipts

Modeling of cash flows

Plan cash receipts. Modeling of cash flows

Appointment of the "Plan for the receipt of money"

The program for the development of business plans should, at the very least, be able to generate real cash flow, otherwise the financial model of the project will be distorted and, as a result, the risks in the investment analysis are incorrectly estimated when calculating project efficiency indicators.

☛ One of the main differences between the business plan and the terms of reference is the construction of financial tables based on the generated cash flow model.

Simultaneously with the calculation of the "Cash Flow Plan", the "Accounts Receivable Plan" is calculated. Cash generated by the company eventually ends up in the "Sales Plan" in the "Cash Flow Plan", in which there are two "time" scales, and the total money supply is displayed in two dimensions, respectively "money accrual" and "money receipt" . Simply put, these are two times of accounting for the same money:

  1. Horizontally - the scale for the accrual of money.
  2. On the vertical - the scale for the receipt of money.

Example of calculating the "Plan for the receipt of money"..

Fragment of the "Plan for the receipt of money":

across - the timeline for the calculation, vertical - timeline for payment

In the example, charges are:

Jan. (15) = 13 310 + 11 495 + 5 335 = 30 140
Feb. (15) = 35 371 + 10 883 + 4 268 = 50 522

Payment for the same period:

01. 2015 = 0 + 13 310 = 13 310
02. 2015 = 0 + 11 495 + 35 371 = 46 866

Final payments for all periods is equal to the total of "payments" and the final line "accrual" must match the totals line in the "sales plan".

Modeling of cash flows

The calculation of the "plan for the receipt of money" is based on the algorithm for dividing the cash flows, respectively, for the accrual of money and the receipt of money, which simulates cash flows that are close to reality. The calculation algorithm checks the "payment schemes" created by the user, and determines the payment periods for each payment group.

Schematic diagram of "money accruals" and "receipt of money":

Modeling of cash flows - an algorithm for dividing cash flows into accruals and payments. When developing business plans, the program must generate real cash flow

The principle of "payment schemes" settings is universal and allows you to create payment models of any configuration - separately for each month and for each product. Thus, in "Budget-Plan Express" you can plan for a relatively "real" money movement, distributing them in a percentage relationship, in the relevant periods.

To call up the form of editing, you need to click once on the active link (same thing - F2). In the editing form there are 2 tabs:

  1. Set up payment plan parameters.
  2. Payment schemes are configured in each of the 12 cycle periods (year). When performing the final project calculation, in the following years, the same settings are used (for the first 12 months of the project).
  3. Set up payment plans.

  1. Settings of payment plan parameters
  2. The settings of the "payment schemes" in the "money receipt plan" do not differ from the settings in the "payment plan". The list contains 10 "payment schemes", which can be edited so that they reflect the content of payments.

    The settings of the "payment schemes" parameters assume:

      1. Change the "name" in the edit field (as shown in the figure).

      2. Set the "percent payment" with sliders (runners) - in the current and subsequent periods (months).

      The "percent payment" setting is performed "left to right", ascending slider index (from smaller to larger).

      3. Save the current settings of the sliders (save button).

      4. Distributing (copying) the "schema" settings to the other 11 periods (copy button).

      5. If necessary, set exclusive "payment plan" settings in each specific period (in total 12 periods).

      Tab settings "payment schemes":

      Plan cash receipts divides the money supply into 2 parts: calculations and payments

      ☛ Note that the total percentage will always equal 100 %.

      Example. Modeling the "payment scheme" for prepaid payments and mutual settlements with regular customers. Let, 40% of payments for rendered services buyers pay as an advance payment in the current month and 60% - in the next. Moreover, this "payment scheme" setting should be identical for each month of the project.

      1. step - select a period (any of 12) and enter the edit form;
      2. step - in the "payment plan settings" select the scheme from the list and name it, for example, "Prepaid payments 40%, 60% - in the month"
      3. step - in the current month (the current month is always the first), set the slider to 40%. Note, next month the program itself set 60%;
      4. step - click the "Save" button

      5. step – Finally, click the "Copy" button. After that, the "schema" settings will appear in the settings of the other 11 periods (months).

  3. Installation, "binding" of payment schemes to a particular product
  4. After "payment schemes" are set up, these schemes need to "bind" to a particular product in the tab "Installation payment schemes".

    To "bind" to a specific product, select a product from the left list, then in the right list, select the desired schema, as shown in the figure below:

    Cash generated by the company and reflected in the sales plan, but end up in the Plan cash receipts

    If the scheme is not selected, then the accrual periods for this product will coincide with the payment periods.

  5. Test calculation of "charge-payment" for a single product. Final calculation
  6. You can perform a test calculation for a single product (or for several products). Such a calculation can be useful for the purpose of detailing and testing various "payment schemes", until they become part of the financial statements. To calculate one product, you need:

    1. click the "Clear" button (to clear the data, "zero" the "Cash flow plan" table)
    2. choose a product from the list
    3. Then, click the "Calculate" button.

    You can select any other product from the list and click the Calculate button, and each subsequent calculation will be added to the previous result.

    After the final editing of the settings in the "Plan of receipt of money", it is necessary to perform the final calculation of the plan: "Main menu → Data → Calculate". Same F9.

An example of the planning of the receipt of the money

Most installments are planned in discrete models, for example - in construction projects, where, as a rule, payments can stretch for months.

Example of planning the receipt of money. Let, at reconstruction of a building for a business center, the company offers its customers standard products - "Mini offices". It is proposed to create several sales options in the "products" directory and calculate the cash flow (receipt of money) for the 1st year of the project.

Company OOO "invest-Stroy", near the centre of town, bought and renovated a 2-storey building for accommodation of offices of class b (the"budget office"). Let the property ready for sale and lease 20 of the same products – mini offices (to simplify the example), total area 40 sq. m. Planned sales of the product:

  1. "Mini office" with a 20% discount - equity participation,
  2. "Mini office" with 10% discount - 100% prepayment,
  3. "Mini office" (30% installment) with installments for 6 months,
  4. "Mini office" (50% installment) with installments for 8 months,
  5. "Mini office" (10% loan) with installments for 12 months.

  1. The rental price is 5 500 RUR sq. m. / year,
  2. The price of a square meter is 55,000 rubles per square meter.

  3. Let, lease payments (under the terms of contracts) should be accrued on a monthly basis and executed at the end of each quarter - 3, 6, 9 and 12 months.

Product realization table:

Product Implementation Terms Number Percent Price kv m Product Price Total Sales start schedule
1. "Mini office" - long-term lease 3 15% 5 500 rub sq.m / year 18 333 per month 54,999 per month 1, 2, 3 months
2. "Mini office" with 10% discount - 100% prepayment 5 25% 49,500 1 980 000 9.9 million 1, 1, 2, 3, 3 months
3. "Mini office" (30% installment) with installments for 6 months 4 20% 55,000 2,200,000 8,800,000 1, 1, 2, 3 months
4. "Mini office" (50% installment) with installments for 12 months 3 15% 55,000 2,200,000 6 600 000 2, 3, 4 months
5. "Mini office" (10% loan) with installments for 18 months 5 25% 60,500 2,420,000 12 100 000 1 month

To plan cash flow, follow these steps:
  1. step. Create a product directory (see table) and then the "Sales plan" table,
  2. step. In the sales planning form, enter the corresponding quantity and cost values for each product (see table),
  3. step. Run the final project calculation: Main menu → Data → Calculate . Same thing - F9 .

  4. VAT is calculated and appears in the sales planning table only after the final settlement (F9).

    Pay attention, the "Sales Plan" indicates the price and quantity, the cost is calculated - the fact of sales, not payments, which are planned in the "Plan of receipt of money".

    Example of planning the calculation of monthly rental payments:

    Example of planning sales - 30% installment with installments for 6 months:

  5. step. Go to Plan cash receipts and create payment plans: for rental payments (3rd, 6th, 9th and 12th months) and for installments - 6 , 8 and 12 months.

  6. To create payment schemes, go to the tab "Set up payment plan parameters" and specify - what percentage (part of the payment amount) will be paid in the current and subsequent months:

  7. step. Save the payment plan (the "save" button) and copy it for other periods (the "copy" button).

  8. "Payment plans" are created for 12 months of the project - for each month "own" scheme. For example, if the scheme is created for January, this means that all amounts that will be "tied" to this scheme and that are calculated in January will be paid according to the specified scheme.

    You can create a "payment plan" in any month and copy it - for the remaining months. However, in some cases, the "payment scheme" depends on the specific month, for example, in the case of rental payments. In such cases, for each month you create your own "payment plan". See the example table for rental payments, where horizontally - "sales", vertically - "payment".

    The table of "payment schemes" for rental payments - accruals and payments:

    Accrual months: 1 2 3 4 5 6 7 8 9 10 11 12
    1. Payment - January 0%
    2. Payment - February 0% 0%
    3. Payment - March 100% 100% 100%
    4. Payment - April 0%
    5. Payment - May 0% 0%
    6. Payment - June 100% 100% 100%
    7. Payments - July 0%
    8. Payments - August 0% 0%
    9. Payment - September 100% 100% 100%
    10. Payments - October 0%
    11. Payment - November 0% 0%
    12. Payments - December 100% 100% 100%

    ☛ Note that all accruals are paid at the end of each quarter. For example, the charges of 1, 2 and 3 months are 100% paid in March - exactly as it is formulated in this conditional example.

  9. step. Go to the "Set payment schemes" tab, select the product in the left list and link the "payment plan" in the right: just select the "payment scheme" from the list, as shown in the picture:

  10. If you do not choose payment scheme is the accrual and payment will coincide with the "sales plan" (after performing the final calculation of the project, F9).

    The program also allows you to perform trial calculations - separately for each product. If you need to analyze the receipt of money for a particular product, first run the "clear the table" command (if it contains the previous calculations), then perform the calculation for one product.

  11. step. Perform a trial calculation of the "Plan for the receipt of money" for one product: form Planning "receivables," → "Product list" → "Calculate" → "OK".

  12. Example 1. A fragment of the calculation of lease payments without using a "payment scheme":

    Example 2. A fragment of the calculation of lease payments using the "payment scheme":

  13. step. Finally, perform the final evaluation of the project (the"plan of receipt of money"): Main menu → Data → Calculate → to Set the flag "Plan cash receipts" → "OK". Same thing - F9 → Set flag "Plan cash receipts" → OK.

  14. "Plan cash receipts" and "Plan receivables" are always calculated at the same time.

Example calculation result - cash flow (receipts) for the 1st year of the project:

Months: 1 2 3 4 5 6 7 8 9 10 11 12 Итого
Charges 20478333 6416666 8414999 2254999 54 999 54 999 54 999 54 999 54 999 54 999 54 999 54 999 38004989
Payments 6248000 5324000 7875998 3608000 2662000 2826997 2046000 1738000 1616997 1298000 1144000 1616997 38004989

Fragment of calculating the "sales plan":

Fragment calculation "Plan cash receipts" - for the 1st year of the project.
where horizontally - "accruals", vertically - "payment":

Please note that the final line of accruals in the "Plan of receipt of money" and the final line in the "Sales Plan" must coincide.

Applied and recommended procedures and functions

  1. If you deleted some data by mistake or performed the action, causing damage to data, exit the program without saving: "Main menu → Project file → quit without saving".

  2. If you exit the program, save the changes: "Main menu → Project file → Save" (or Ctrl+S). Or use the program exit with saving.

  3. Periodically back up the data: "Main menu → Project file → Save and backup" or Ctrl+Shift+S. File project saved in the folder "backup", the project name will display date and time of saving. To restore the file, just copy it in system folder («BPlanExpress»).

  4. If you have several projects (or calculation options), create a template file and, starting a new project, open the template file where your settings or preliminary project calculations are saved, select the menu item: "Main menu → Project file → To create a new project". This will shorten the development time of projects.
  5. ☛ Note that a new project is created in the system folder ("BPlanExpress"), which opens by default.

  6. Complete the final calculation: "Main menu → Data → Calculate". Same - F9.

  7. Clear table (reset values): "Main menu → Data → Clear table".

  8. Delete the table (delete all data and settings of the table settings): "Main menu → Data → Delete table".

  9. Clear the string (reset value): "Context menu (right mouse button) → Clear line."

  10. Translit: "Main menu → Settings → Translit text tables". Select the translation language.

  11. Export: "Main menu → Reports → Export to Excel". In the same place - export to Word.

  12. Financial and investment analysis. Settings parameters of project performance indicators:"Main menu → Settings → Investment analysis".

  13. Quick graph: "Context menu (right mouse button) → Graph of a line." Before the call, place the cursor anywhere in the row with the desired data. See also «Preparation of reports and business plans. Graphics».

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