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.
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.
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 receiptsCash 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
Closing balance
Safety line 122,000 (one month of overhead)
What-if: Meridian won by 15 Nov
Below the safety line
| Week | In | Out | Closing |
|---|---|---|---|
| Today2 Oct | — | — | 312,600 |
| W15 Oct | 40,446 | 4,200 | 348,846 |
| W212 Oct | 46,935 | 95,340 | 300,441 |
| W319 Oct | 0 | 72,072 | 228,369 |
| W426 Oct | 150,197 | 110,969 | 267,597 |
| W52 Nov | 64,512 | 76,892 | 255,217 |
| W69 Nov | 22,300 | 48,300 | 229,217 |
| W716 Nov | 61,400 | 39,000 | 251,617 |
| W823 Nov | 60,349 | 91,349 | 220,617 |
| W930 Nov | 86,126 | 100,200 | 206,543 |
| W107 Dec | 0 | 92,000 | 114,543 |
| W1114 Dec | 18,000 | 39,000 | 93,543 |
| W1221 Dec | 0 | 31,000 | 62,543 |
| W1328 Dec | 129,000 | 107,200 | 84,343 |
| 13 weeks | 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% advanceThe 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.
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 OctThe 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.
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
- Invoice TS-26-008 retention today, AED 5,040
- Get IPA-03 certified quickly
- Win about AED 300k of new work by mid-Nov
Behind the numbers
Every payment and receipt in the next 30 days
| 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 |
| 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 |
| 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