Cash & Liquidity

Shock each floating reference rate (±bps) to stress projected interest on floating-rate debt. Recomputes the forecast live; fixed-rate facilities are unaffected.

Latest spot used to convert each currency into the reporting currency. Apply a % shock to stress-test the forecast — the KPIs, the projected closing-balance line and the liquidity ladder update live.

Hedj compares your forecast with your bank history, scheduled payments and FX exposure register. Accepting a suggestion adds an adjustment; your own figures are never changed.

Not included in the cash, net-flow or closing-balance figures above. Revolving facilities (RCF/overdraft) are genuinely redrawable; term/other undrawn capacity may be restricted to specific purposes.

Found by looking for repeating payments in your bank history, or reported by your bank. Your forecast includes averages from your bank history. Accepting a recurring payment turns it into dated payments on its expected dates instead of an average. A standing order, direct debit or scheduled payment your bank reports is included straight away as an assumption, and you can remove it. Dismissing something stops it being suggested again.

Accounts and balance snapshots are maintained on the Data Input page. Balances older than 7 days are flagged stale.