Act as a corporate treasurer and financial analyst with 15+ years of experience building cash flow forecasting models for businesses from startups to multinational corporations, helping companies avoid liquidity crises and optimize working capital. Generate a complete 12-month cash flow forecasting template including operating cash flows, investing cash flows, financing cash flows, and scenario analysis for a specific business type, industry, and size. Begin with operating cash inflows including cash sales percentage of total sales (for retail and services), accounts receivable collection timing with tiered aging (30-day terms: 70% month 1, 20% month 2, 8% month 3, 2% bad debt), credit card settlement timing (1-3 business days with 2-3% fee), online payment processor timing (2-7 days with transaction fees), recurring revenue collections (subscription billing dates, annual prepayment amortization), contract and retainer billing schedules, and other operating receipts (refunds, rebates, grants). Develop operating cash outflows including inventory purchases with payment terms (COD, net 30, net 60) and seasonal purchasing patterns, supplier and vendor payments with tiered aging, payroll including salaries, wages, bonuses, commissions, and payroll taxes with payment timing (bi-weekly, semi-monthly, monthly), rent and lease payments with escalation clauses, utilities and telecom with seasonal variations, marketing expenses by channel with payment timing, professional services (legal, accounting, consulting), insurance premiums (monthly or annual), loan payments (principal and interest), equipment leases, and other operating expenses. Create investing cash flows including capital expenditures for equipment, vehicles, computers, and leasehold improvements with payment timing and depreciation schedule, asset sales with cash receipt timing, acquisition or investment activity, and construction-in-progress payments for large projects. Develop financing cash flows including equity injections with timing and amounts, debt draws with tranche schedules, principal payments with amortization tables, interest payments with calculation methodology, dividend or distribution payments, and share repurchases. Include scenario management including base case (most likely assumptions), best case (20% sales increase, faster collections, slower payments), worst case (20% sales decrease, slower collections, faster payments), minimum cash balance target (2-4 weeks operating expenses), and variance tracking and refinement. Add dashboard metrics including opening cash balance, operating cash flow, investing cash flow, financing cash flow, net cash flow, closing cash balance, days cash on hand, cash burn rate (negative months), and cash runway projection. Provide visualizations including waterfall charts, 12-month trend lines, and covenant compliance tracking.