A business model is a working description that includes the general details about the operations of a firm. You can use it for a wide range of informal and formal descriptions to represent core aspects of a business, including purpose, trading practices, infrastructure, strategies, organisational structures and operational processes and policies. It gives a complete picture of a business from high-level perspective.
You can predict peaks and troughs in your cash balance by doing cash flow forecasting. It allows you to plan your borrowing and also lets you know the amount of surplus cash you're likely to have over a period. Businesses normally carry out the forecast for a year or quarter in advance and divided into weeks or months. It identifies the sources and amounts of cash coming into their business and the destinations and amounts of cash going out over a given period. You can create simple cash flow forecast, which normally take about an hour or two to set up initially and then take you a few minutes each week to update the figures.
