Cash Flow Requirement

What it costs to keep the business running for one month.

Cash needed per month

R867 711

Fixed + payroll + operating

Fixed monthly commitments

R212 229

3 loans & recurring items

Operating spend per month

R555 982

Average of Jul – Aug – Sept

Cash on hand

R1 423 845

Covers 1.6 months of running costs

Total cash required each month

R867 711

Fixed R212 229 · Payroll R99 500 · Operating R555 982

Cash on hand covers

1.6 months

R1 423 845 across bank accounts

Fixed commitments every month
Courier Boyz — monthly instalmentR190 872
GIT/Motor Insurance R20 000
Digital TrackingR1 357
Payroll — driver salariesR99 500
Total fixedR311 729
Operating spend per month
OtherR424 795
FuelR124 835
Diesel - Empty TruckR2 925
Parts & RepairsR2 635
Border FeesR793
Total operatingR555 982
Actual spend vs monthly requirement
MayJunJulAugSeptOct0k300k600k900k1200kNeed R867 711

Operating spend excludes fuel deposits, other deposits and vehicle purchases, since those are prepayments or asset purchases rather than monthly running costs. Foreign amounts are converted at indicative rates (USD 16.46 · ZMW 0.82).

Cash available by account
FNB Gold Business ZARZAR413,446.88 ZAR
Zambia Stanbic Kwacha AccountZMW709,492.78 ZMW≈ R581 784
Zambia Stanbic Dollar AccountUSD26,019.96 USD≈ R428 289
South African Standard Bank Rand AccountZAR-77.99 ZAR
Zambia Stanbic Rand AccountZAR403.03 ZAR
Total cash on handR1 423 845