Your repayments are a known, fixed outgoing — which makes them one of the easiest lines to build into a cash-flow forecast. Your statement and schedule give you exactly what the forecast needs.
What to lift into the forecast
- The repayment amount and date for each period, from your schedule.
- Any planned drawdowns (money in) if you’re using Flex.
- Any overpayment you intend to make, and when.
Why it’s reliable
Because interest is fixed up front, your scheduled repayments don’t move — so they’re a dependable line in the forecast, not a guess. Model the collection landing a day or two either side of the date to allow for clearing, and keep the collecting account funded to that plan. A forecast that includes your finance outgoings honestly is one that keeps you ahead of every collection.
Your facility is priced with simple interest and the figures fixed up front on your Key Information Sheet, so nothing here changes what you owe by surprise — it only changes how you view, manage or evidence it.
See also: How to read your repayment schedule, How to plan repayments around seasonal cash flow, How to get a reminder before a collection.