Cash flow & commitments

What is really free to spend, what is already promised, and where the bank balance is heading over the next 13 weeks.

Emirates NBD synced 9:00 AM · Mashreq 8:45 AMPrepared by Joseph Mathew

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Cash drops below one month of overhead in December. With no new award, the balance falls under the AED 122,000 safety line in the week of 7 Dec and bottoms at AED 62,543 on 21 Dec. About AED 300k of new work won by mid-Nov fixes it. Meridian (AED 465,000, 60% likely) alone lifts the low to AED 109,043.

Open pipeline Meridian opportunity

Free cash today · 2 Oct 2026

AED30,019

Of AED 312,600 in the bank and in hand, AED 282,581 is already committed until 1 Nov: October salaries, rent, supplier and subcontractor bills, VAT and visas.

90%

Committed to 1 Nov · 282,581 (90.4%)Free · 30,019 (9.6%)

In bank & hand312,6002 banks, 4 floats, office cash

Committed to 1 Nov282,58115 payments

Expected in by 1 Nov237,5785 invoices · 1 already overdue

Runway2.6 monthsCash ÷ AED 122,000 overhead

Next 30 days: where today's balance goes

Committed payments 2 Oct – 1 Nov, then expected client receipts

Cash in bank & hand today312,600

October salaries (WPS, due 1 Nov)−92,200

Warehouse rent + labour accommodation (Q4)−42,000

Supplier bills due (7)−94,101

Subcontractor certified claims (3)−31,200

VAT return Q3 (due 28 Oct)−14,380

Visa renewals, PRO & Hilux registration−8,700

Free cash30,019

Expected client receipts (5 invoices)+237,578

Projected balance, 1 Nov267,597

The 1 Nov figure assumes all 5 clients pay on time. Urban Threads is already 7 days late.Invoices

Ring-fenced money

Belongs to others or is owed to staff. Don't spend it.

VAT collected, owed to FTA (Q3) in commitments14,380
Subcontractor retention held10,520
End-of-service gratuity provision38,900
Leave salary provision21,400
Total ring-fencedAED 85,200

VAT is already in the 30-day commitments. The other AED 70,820 falls due later, when subcontract defects periods end and when staff leave or travel.

Provisions updated with September payrollPayroll

13-week cash forecast

Closing balance per week · no new awards assumed

Low 62,543 · 21 Dec

Closing balance Safety line 122,000 (one month of overhead) What-if: Meridian won by 15 Nov Below the safety line

400k300k200k100k0

Today5 Oct12 Oct19 Oct26 Oct2 Nov9 Nov16 Nov23 Nov30 Nov7 Dec14 Dec21 Dec28 Dec 2 Octmid-Nov28 Dec

Week	Main items	In	Out	Closing	Safety line
Today2 Oct	Opening balance, bank and cash	—	—	312,600	Above
W15 Oct	Urban Threads IPA-01 (promised 8 Oct) · Star Hardware	40,446	4,200	348,846	Above
W212 Oct	Spice Route PDC · rent PDCs · LHP Metals & Glass · Desert Aluminium	46,935	95,340	300,441	Above
W319 Oct	Al Safa · BuildMart · subcontractors · visas & Hilux	0	72,072	228,369	Above
W426 Oct	IPA-02 TS-26-014 & TS-26-016 · TS-26-008 retention · VAT · October salaries	150,197	110,969	267,597	Above
W52 Nov	Client receipts (TS-26-018) · supplier bills	64,512	76,892	255,217	Above
W69 Nov	Small works receipts · TS-26-019 aluminium profiles	22,300	48,300	229,217	Above
W716 Nov	Client receipts (TS-26-016, TS-26-017) · subcontractors	61,400	39,000	251,617	Above
W823 Nov	TS-26-019 IPA-01 · TS-26-020 materials	60,349	91,349	220,617	Above
W930 Nov	TS-26-014 IPA-03 · November salaries	86,126	100,200	206,543	Above
W107 Dec	Materials for TS-26-019 and TS-26-020	0	92,000	114,543	Below by 7,457
W1114 Dec	Subcontractor claims · small works receipts	18,000	39,000	93,543	Below by 28,457
W1221 Dec	Supplier payments · lowest point	0	31,000	62,543	Below by 59,457
W1328 Dec	Client receipts (TS-26-020, TS-26-017) · December salaries	129,000	107,200	84,343	Below by 37,657
13 weeks	Opening 312,600 + in − out	679,265	907,522	84,343

W1–W4 use committed payments and invoices already issued. W5–W13 use planned billing for the 6 active projects and average monthly costs. Work in hand still to bill: AED 987,400.

What if…

Quick scenarios on the same forecast

Win Meridian by 15 Nov

Q-TS-26-061 Rev 2 · AED 465,000 · 10% advance

The AED 46,500 advance arrives in the week of 16 Nov. The December low rises from 62,543 to 109,043: still AED 12,957 under the safety line, but no longer critical.

December low, today's plan62,543

December low, with Meridian109,043

Black marker = safety line AED 122,000

Decision expected 10 OctOpen opportunity

Urban Threads pays 30 days late

INV-TS-26-0084 · AED 40,446 · promised 8 Oct

The money moves from 8 Oct to early November. The balance in the week of 26 Oct drops from 267,597 to 227,151. October stays above the safety line and the December low does not change.

Week of 26 Oct, paid on time267,597

Week of 26 Oct, paid 30 days late227,151

Black marker = safety line AED 122,000

2 reminders sent (26 & 30 Sep)Chase now

What protects December

Levers you control this month

Collect Urban Threads AED 40,446 this week
Overdue 7 days · Neha Kapoor promised 8 Oct
Invoice TS-26-008 retention today, AED 5,040
Atlas Logistics · defects period ended 30 Sep · Raise invoice
Get IPA-03 certified quickly
Every week earlier brings AED 86,126 forward
Win about AED 300k of new work by mid-Nov
Weighted pipeline AED 905,230 · Pipeline

Behind the numbers

Every payment and receipt in the next 30 days

Payments out 15Money coming in 5

All 15Suppliers 7Salaries & rent 3Subcontractors 3Tax & government 2

Payee	Date	What for	Amount (AED)	Status
Week 1 · 5–11 Oct · AED 4,200
Star Hardware & FittingsBill SH-2214 · 30-day credit	8 Oct	Patch fittings & locks	4,200	Approved
Week 2 · 12–18 Oct · AED 95,340
LHP Metals & GlassINV-MG-26-0031 · inter-company · TS-26-016	12 Oct	Frameless partitions & doors, Al Noor	42,000	Scheduled 12 Oct
Al Quoz PropertiesPDC #000318	15 Oct	Warehouse rent, Q4	22,500	PDC issued
Muhaisnah labour accommodationCheque #000319 · EXP-TS-26-0412	15 Oct	Labour camp rent, Q4	19,500	Pending approval
Desert Aluminium ProfilesBill DAP-7781 · PDC #000317	18 Oct	Aluminium profiles, LPO-TS-26-115	11,340	PDC issued
Week 3 · 19–25 Oct · AED 72,072
Al Safa Glass TradingBill AS-INV-55821 · PAY-TS-26-0088	19 Oct	Glass, LPO-TS-26-116	24,780	Pending approval
Visa renewals, PRO & vehicleRamesh Thapa visa · Bikash Gurung EID · Hilux J 45127	19 Oct	Government fees & registration	8,700	Planned
Al Madar Gypsum & PartitionsCertified claims · TS-26-014, TS-26-017	21 Oct	Gypsum partitions & ceilings	18,600	Certified
Coolbreeze MEP ServicesCertified claims · TS-26-014	21 Oct	MEP first fix	8,400	On hold · insurance
ProCoat Painting ContractingCertified claims · TS-26-014	21 Oct	Painting & finishes	4,200	Certified
BuildMart Building MaterialsBill BM-90412	25 Oct	Gypsum, tiles & paint, LPO-TS-26-114	7,392	Approved
Week 4 · 26 Oct – 1 Nov · AED 110,969
Federal Tax AuthorityVAT return Q3 (Jul–Sep)	28 Oct	Net VAT payable	14,380	Ready to file
Prime Flooring SolutionsBill PF-3320	29 Oct	Carpet tile adhesive & trims	2,541	Approved
Royal Silicone & SealantsBill RS-1187	30 Oct	Silicone & sealants	1,848	Approved
October salaries · 24 staffWPS via Emirates NBD · SIF by 29 Oct	1 Nov	Payroll, estimated	92,200	Due 1 Nov
Total committed to 1 Nov			282,581

Invoice	Client	Due	Where it stands	Confidence	Amount (AED)
INV-TS-26-0084TS-26-017 IPA-01	Urban Threads Trading	25 Sep 7 days late	Promised 8 Oct after 2 reminders	Medium	40,446.00
INV-TS-26-0091TS-26-020 advance 15%	Spice Route Hospitality	15 Oct	PDC #445201 in hand, deposit on 15 Oct	High	46,935.00
INV-TS-26-0088TS-26-016 IPA-02	Al Noor Medical Centre	28 Oct	Submitted 28 Sep · paid IPA-01 on time	High	40,477.50
INV-TS-26-0087TS-26-014 IPA-02 incl. VO-02	Gulf Horizon Properties	30 Oct	Certified 30 Sep by Studio Arc	High	104,679.75
Retention releaseTS-26-008 · 4,800 + VAT	Atlas Logistics FZE	~30 Oct	Defects period ended 30 Sep · invoice now	Medium	5,040.00
Expected by 1 Nov					237,578.25

Not counted, to stay safe: small-works invoices AED 18,420 due in October and Bean Theory Café AED 5,600 (cheque bounced 5 Sep).All invoices

Cash summary sent on WhatsApp

Managing Partner and Investor Partner received today's free cash (AED 30,019), the December low (AED 62,543 on 21 Dec) and the 5 collections due by 1 Nov.

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