Mining budgeting
MINE CASHFLOW CALCULATOR
Profitable mines still fail when buyer payments come 30–60 days after suppliers want paying. This tool simulates the monthly cash cycle so you can size a working-capital facility before you need it.
What's modelled
Revenue with buyer payment terms (sight LC, 30/60 day), supplier credit on diesel and consumables, payroll on the 25th, royalty quarterly, monthly debt service. Output: cash on hand each month and minimum cash buffer needed.
Worked example
Revenue $1.13 m/m on 60-day terms, opex $720 k/m cash, payroll $180 k → month-1 cash gap −$900 k, peaks at −$1.4 m by month 3, breaks even month 4.
Frequently asked questions
Why is cashflow different from profit?
Profit is when the sale is invoiced; cash is when the money arrives. Buyer terms, royalty timing and capex can leave a profitable mine cash-negative for months.