Cash flow analysis and treasury management workflow covering liquidity assessment, cash forecasting, working capital optimization, and treasury operations.
/plugin marketplace add lerianstudio/ring/plugin install ring-finance-team@ringThis skill inherits all available tools. When active, it can use any tool Claude has access to.
This skill provides a structured workflow for cash flow analysis and treasury management using the treasury-specialist agent.
The cash flow analysis workflow follows 5 phases:
| Phase | Name | Description |
|---|---|---|
| 1 | Position Assessment | Establish current cash position |
| 2 | Forecasting | Build cash flow forecast |
| 3 | Liquidity Analysis | Assess liquidity and runway |
| 4 | Risk Identification | Identify cash flow risks |
| 5 | Recommendations | Provide actionable guidance |
MANDATORY: Establish current position before forecasting
| Item | Description |
|---|---|
| Bank balances | All accounts, same day |
| Credit availability | Undrawn facilities |
| Restricted cash | Identify any restrictions |
| Intercompany | IC positions and netting |
| Check | Validation |
|---|---|
| All accounts included | Complete bank list |
| Same-day balance | No stale data |
| Reconciled | Ties to bank statement |
| FX converted | Consistent currency |
If ANY of these are unclear, STOP and ask:
MANDATORY: Build forecast with documented methodology
| Type | Horizon | Granularity | Use Case |
|---|---|---|---|
| 13-Week | 13 weeks | Weekly | Short-term liquidity |
| Monthly | 12 months | Monthly | Operating planning |
| Annual | 1-5 years | Annual | Strategic planning |
| Component | Description |
|---|---|
| Opening balance | Current position |
| Operating receipts | Customer collections, other |
| Operating disbursements | Payroll, vendors, other |
| Investing | CapEx, acquisitions |
| Financing | Debt, equity, dividends |
| Closing balance | Calculated position |
| Method | Description |
|---|---|
| Receipts/Disbursements | Bottom-up from transactions |
| Adjusted Net Income | Top-down from P&L |
| Balance Sheet Method | From B/S changes |
Dispatch to specialist with full context
Task tool:
subagent_type: "treasury-specialist"
model: "opus"
prompt: |
Perform cash flow analysis per these specifications:
**Current Position**: [from Phase 1]
**Forecast Type**: [13-week/monthly/annual]
**Methodology**: [receipts-disbursements/adjusted NI]
**Data Provided**:
- Bank balances as of [date]
- Credit facility details
- AR aging
- AP aging
- Payroll schedule
- Known commitments
**Required Output**:
- Current position summary
- Cash flow forecast
- Liquidity analysis
- Risk assessment
- Recommendations
| Element | Requirement |
|---|---|
| Treasury Summary | Current position and highlights |
| Cash Position | All accounts with reconciliation |
| Forecast | Period-by-period projection |
| Liquidity Analysis | Runway and ratios |
| Risk Assessment | Identified risks and mitigations |
| Recommendations | Actionable next steps |
MANDATORY: Assess liquidity comprehensively
| Metric | Formula | Threshold |
|---|---|---|
| Cash Runway | Cash / Monthly Burn | >6 months |
| Current Ratio | Current Assets / Current Liabilities | >1.5x |
| Quick Ratio | (CA - Inventory) / CL | >1.0x |
| Cash Ratio | Cash / Current Liabilities | >0.5x |
| Scenario | Description |
|---|---|
| Base Case | Expected forecast |
| Delayed Receipts | AR delayed 30 days |
| Accelerated Payments | AP paid early |
| Revenue Shortfall | 10-20% revenue decline |
| Combined Stress | Multiple adverse factors |
MANDATORY: Document all cash flow risks
| Category | Examples |
|---|---|
| Collection Risk | Customer concentration, aging |
| Payment Risk | Vendor demands, timing |
| Operational Risk | Seasonality, cyclicality |
| Financing Risk | Covenant compliance, renewal |
| FX Risk | Currency exposure |
| Element | Documentation |
|---|---|
| Risk description | Clear statement |
| Probability | High/Medium/Low |
| Impact | Quantified if possible |
| Mitigation | Specific action |
See shared-patterns/pressure-resistance.md for universal pressures.
| Pressure Type | Request | Agent Response |
|---|---|---|
| "Use yesterday's balance" | "Treasury needs current data. I'll get today's position." | |
| "Skip the forecast, just need position" | "Position without forecast lacks context. I'll include projections." | |
| "Estimate the AR collections" | "Collections forecast needs AR aging basis. I'll use actual data." | |
| "We never have liquidity issues" | "Past performance ≠ future results. I'll assess current risk." |
See shared-patterns/anti-rationalization.md for universal anti-rationalizations.
| Rationalization | Why It's WRONG | Required Action |
|---|---|---|
| "Cash is cash, simple analysis" | Cash has many components | ANALYZE by category |
| "Forecast is same as last month" | Each forecast is independent | BUILD fresh forecast |
| "We always collect in 45 days" | Actual may differ | USE actual aging |
| "Covenant is not close" | Still needs monitoring | CALCULATE covenant |
Upon completion, report:
| Metric | Value |
|---|---|
| Duration | Xm Ys |
| Accounts Reconciled | N |
| Forecast Periods | N |
| Risks Identified | N |
| Recommendations | N |
| Result | COMPLETE/PARTIAL |
| Indicator | Status |
|---|---|
| Position same-day | YES/NO |
| All accounts included | YES/NO |
| Forecast documented | YES/NO |
| Risks assessed | YES/NO |
| Covenants calculated | YES/NO |
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