All cases
Find a manufacturer’s quarterly funding low point
Build a debt and liquidity schedule · Fictional case
The situation
Opening unrestricted cash is ₹10 crore. Q1 operating cash is ₹2 crore and debt maturities are ₹13 crore. Q2 adds ₹9 crore operating cash. A committed line of ₹5 crore is available in Q1. Ignore interest.
Your task
What draw is needed to maintain a ₹2 crore floor in Q1?
Reveal step-by-step solution
Set up the problem
Q1 cash before funding = ₹10 + ₹2 − ₹13 = −₹1 crore.
Work through the numbers
The ₹2 crore floor requires a ₹3 crore draw, within the ₹5 crore line.
Interpret the result
Q2 adds ₹9 crore, giving ₹11 crore before repaying the line. A year-end cash figure alone would hide the Q1 gap.
What to remember
Schedule cash by date and distinguish committed facilities from hoped-for refinancing.