Owner Cash Discipline Pack

Most cash crises are visible weeks before they arrive, if someone is looking in the right place. This pack gives an owner and the person who pays the bills one routine: a 30-minute weekly cash meeting, a payment run that follows priorities rather than whoever phones loudest, and a 90-day plan for when the weeks ahead look tight.

What is inside:

• Weekly Cash Meeting sheet: four weeks of receipts and payments, closing cash, headroom above your buffer and a signal for each week (OK, BELOW BUFFER, OUT OF CASH), plus forecast accuracy against the bank, a customer chase list and a decision log
• Payment Run Planner: enter your cash position and up to 60 open bills. It ranks them by supplier tier and due date, says PAY or DEFER within the cash you really have, names the action for each bill and warns you if the must-pay Tier 1 bills exceed your cash
• Supplier Priority Matrix: score up to 30 payees from 1 to 5 on five weighted questions (supply risk, replaceability, legal duty, relationship, flexibility) and let the tier appear, with a usual tactic for each
• 90-Day Cash Rescue tracker: up to 20 levers (collect faster, pay smarter, cut costs, sell stock, raise cash) with one-off and monthly amounts, start week and owner, a 13-week projection against your baseline, actual cash tracking, the lowest point and the number of weeks below your buffer
• Word playbook: the 30-minute agenda, a minutes template, rules for the payment run, five supplier scripts, four customer scripts, a warning-signs checklist and the 90-day plan in three phases

The workbook ships with a fictional Sharjah food importer, so you see how every sheet behaves before you enter your own numbers. Yellow cells are inputs, grey cells are formulas.

Who it is for: owners and finance managers of UAE small and medium businesses who feel cash is always tighter than profit suggests and want a weekly habit instead of a monthly surprise.

What it is not: it does not forecast your sales, move money or decide what you owe. Receipts and baseline numbers are your judgement: count only the receipts that are certain. Salaries, taxes and government payments have legal consequences when late, and cheques can too: take advice from your accountant or lawyer before deferring them, or issuing, postponing or stopping a cheque. It is a starting point your accountant should review, not financial or legal advice.

Requirements: Microsoft Excel 2016 or later, Google Sheets or LibreOffice Calc, and Word or Google Docs.