Autonomous FP&A cockpit
Driver correlations, budget vs actuals, and AI board pack commentary (Abacum & Drivetrain parity)
Budgeted Run-rate
₹78.80 L
Monthly baseline
Actual Run-rate
₹84.75 L
Ledger actuals
Net Variance
+7.6%
vs Operating Plan
Active Model
Base Operating Model
Driver-Based Sensitivity Levers (Abacum & Drivetrain Parity)
Live operational metrics bound to financial outcomes. Adjust sliders to see projected operational elasticity.
Average Order Value (AOV)revenue
Elasticity: +1.4xBaseline: 45000 ₹Current: 48500 ₹
Blended Gross Marginrevenue
Elasticity: +2.1xBaseline: 28 %Current: 26.5 %
Headcount (Core Team)headcount
Elasticity: -0.9xBaseline: 18 FTECurrent: 21 FTE
DSO (Days Sales Outstanding)working capital
Elasticity: -1.2xBaseline: 42 daysCurrent: 49 days
Cloud & Technology OpExcost
Elasticity: -0.4xBaseline: 120000 ₹/moCurrent: 145000 ₹/mo
The worked example below is illustrative — it is not your data. Use the AI panel on this page to get the same analysis built from your own numbers.
ExampleSample figures, not your business
Projected revenue (90d)
₹13.6 Cr
+11% vs prior quarter
Cash runway
~5 months
Tightens in Nov without action
Forecast confidence
High
Based on 6 months of trend
Cortex doesn’t have your revenue yet, so there is nothing to model against. Import your sales or upload a bank statement and this page will run scenarios on your real baseline.
What-if scenario planner
Drag the levers — the model recalculates instantly, then let the Cortex stress-test it.
Revenue growth5%/mo
Price change0%
Cost inflation+3%
New hires0
Net margin today (your assumption)12%
Monthly revenue
—
Net profit
—
Net margin
—
Cash runway
—
Working capital stress test
Bank-grade adverse shock simulation, Altman Z'-score, and liquidity cliff modeling
Institutional Stress-TestingAltman Z′-Score & Liquidity Cliff
Macro & Micro Working Capital Shock Simulator
Simulate the compounded shock of debtor payment delays, direct material inflation, contract drop, and MSME Section 43B(h) creditor acceleration on your cash runway and insolvency probability.
Post-Shock Altman Z′ Score
5.88SAFE ZONE
Low insolvency risk
Liquidity Cliff Horizon
0 Days
Until cash buffer is depleted
Immediate Capital Trapped
₹58.00 L
Frozen in receivables & faster payables
Stressed Monthly Outflows
₹44.12 L
Baseline: ₹41.00 L (+8%)
Adverse Scenario Levers (Drag to Stress Test)
1. Debtor Payment Delay Shock+30 Days
Traps ₹50.0L of collections past scheduled terms.
2. Direct Cost / COGS Inflation Shock+8%
Adds ₹3.1L/mo to raw material & operational expenses.
3. Revenue / Order Contraction Shock-10%
Reduces monthly gross receipts by ₹5.0L.
4. Creditor Acceleration (Sec 43B(h) Squeeze)15 Days Faster
Suppliers demand statutory 15/45 day payment windows instead of 60-day credit.
Cortex Prescriptive Survival Levers
1.Factoring ₹50.0L trapped receivables via RBI TReDS for 48-hr institutional liquidity.
2.Repricing sales contracts with input cost indexation clause to protect gross margins against ₹3.1L/mo surge.
3.Halting non-essential capital expenditures and establishing secondary credit line before cash dips under 30 days.
4.Reconciling Section 43B(h) MSME agreements to maintain statutory 45-day contract terms instead of 15-day defaults.
RBI TReDS factoring arbitrage
Instant 48-hour working capital release via institutional invoice auction
RBI TReDS Institutional Factoring Without Recourse
Institutional Receivables Auction & 48-Hour Cash Release
Auction verified corporate invoices on RBI-regulated TReDS exchanges (RXIL, Invoicemart, M1xchange) to unlock instant working capital at corporate bank rates.
Immediate Cash Disbursed
₹24.47 L
Within 48–72 hours in bank
TReDS Total Discount Fee
₹53.4K
At 8.5% p.a. corporate rate
Net Interest Arbitrage Saved
₹48.3K
Saved vs standard SME credit
Turnaround vs Credit Period
2 Days vs 90d
Accelerates cash conversion
RBI-Authorized TReDS Platforms: RXIL (SIDBI/NSE), Invoicemart (Axis Bank), M1xchange.
100% Non-Recourse to Seller
AI forecast
A 90-day outlook built from the figures in this workspace