Half of Scotland's charities fear they will run out of cash within six months as fundraising is halted by lockdown and donations dry-up, a report has warned.
Many third-sector organisations face a "perfect storm" of reduced income and surging demand over the coming months, with some frontline services likely to be stopped as a result.
Research by the Scottish Council of Voluntary Organisations (SCVO) warns charities face a 30% drop in income this year and half fear they will run out of cash altogether.
The report warned many will go bust at the same time as demand for charity services among Scots rises.
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While the majority of charities have managed to continue delivering services online and others are offering support over the phone, there is a widespread belief in the sector that existing IT systems are not up to the task.
But the top concern is a lack of cash. One unnamed respondent claimed: “Major short-term shocks are impacting on members and will give way to longer-term trouble in the next six months, if current crashes in funding, membership, revenue and charitable giving are not quickly reversed."
Another said: "The real crunch is expected to arrive in a few months time, when members start operating again, when current support schemes such as furloughing end and when the main income generation seasons of spring and summer have passed."
A lack of volunteers is also an issue as lockdown restrictions keep many Scots at home.
The report added: "While a few organisations had seen an increase, 78% of respondents have seen no change or a significant decrease in the number of volunteers they are currently able to engage.
David McNeil of SCVO said: "What is clear is that while there has been a colossal and inspiring adaptation to support people through lockdown, many organisations are likely to face the perfect storm of reduced income and surging demand over the coming months.
"As predictions point towards some significant economic and social challenges as we begin to exit lockdown, voluntary organisations will be facing a greater demand for services which support those who have lost jobs, seen their financial situations change, have faced abuse at home, are struggling without regular childcare or education, and much more."
The Record has asked the Scottish Government for comment.