How much cash could your practice lose in a bad quarter?
Free 13-Week Cash Flow Stress Test for Healthcare Practices
Your practice may be profitable today. But what happens to your cash if insurance payments slow down, revenue drops, or payroll costs increase?
This free Excel tool helps you see how those changes could affect your cash balance over the next 13 weeks.
No cost. No account to create.
What you'll learn
Enter a few numbers from your practice and see:
- How much cash you could have left under different financial scenarios.
- When your cash might fall below your comfort level, even if your practice is currently doing well.
- Which financial stress has the biggest impact on your lowest projected cash balance.
- How much breathing room you have based on your current operating expenses.
The results appear in a simple dashboard with a cash flow chart and plain-English explanations.
What happens if things don't go as planned?
The tool lets you compare six scenarios:
Base Case
Collections and expenses stay about where they are today.
Collections Slow Down
Some payments arrive later than expected.
Revenue Drops
Collections decline.
Payroll Rises
Payroll expenses increase.
One Big Surprise
An unexpected expense hits your practice.
Combined Stress
Revenue declines, collections slow down, and payroll increases together.
You can adjust the assumptions to see how different situations affect your cash.
Built for owners of multi-provider healthcare practices
Whether you operate a therapy group, psychiatry practice, physical therapy clinic, podiatry practice, or another healthcare business, managing cash can become more complicated as your practice grows.
More providers, higher payroll, and delayed reimbursements can create financial pressure even when the income statement looks healthy.
This tool gives you a starting point for understanding that pressure.
Get your free Cash Flow Stress Test
Enter your information below to download the Excel workbook.
No macros, no add-ins, and no outside data connections. Your numbers stay in the spreadsheet. Nothing is sent back to FreeRivers.
A useful starting point, not a full cash forecast
The stress test uses your monthly collections and expenses to estimate weekly cash flow over 13 weeks.
It can help identify possible cash pressure, but it doesn't account for your exact payroll dates, individual payer payment patterns, outstanding receivables, or every expense that may arise.
It's designed to help you ask better financial questions, not replace a detailed forecast or professional financial review.
Want to understand what's driving the numbers?
The stress test shows where cash pressure might develop. Understanding what's causing it and what to do next takes a closer look at the practice's actual financial results.
A FreeRivers Practice Financial Review examines areas such as clinician economics, compensation, payer mix, and cash flow to help identify issues and priorities.
Learn About the Practice Financial ReviewAbout FreeRivers CFO Advisory
I'm Rob Freels, founder of FreeRivers CFO Advisory. I bring 25 years of finance experience to helping healthcare practice owners understand their numbers and make better business decisions.
The Cash Flow Stress Test is an educational planning tool. Results depend on the information and assumptions entered and are not a guarantee of future cash balances.