What's included
13-Week Cash Flow Model
Rolling weekly cash flow forecast — inflows, outflows, and ending balance for the next 13 weeks.
Weekly Actuals Update
Model updated every week with actual cash movements — so your forecast stays accurate.
Cash Runway Analysis
How long your current cash lasts under different spending scenarios.
Collections & Payables Timing
AR and AP timing built into the model — so cash flow reflects when money actually moves.
Shortfall Early Warning
Flagged alerts when the model projects a cash shortfall — with enough lead time to act.
Scenario Modeling
What-if analysis for major decisions — hiring, expansion, large purchases.
Payroll & Tax Timing
Payroll runs and tax obligations mapped into the cash forecast — no surprise shortfalls from predictable outflows.
Cash Flow Narrative
Written commentary explaining the drivers behind each week's cash movement — not just numbers, but context.
Why profitable businesses run out of cash
Profit ≠ cash
Your P&L shows profit. Your bank account shows something different. The gap is real — and it's usually AR timing, inventory, or debt service.
No 13-week visibility
You're managing cash week-to-week in your head. One late payment from a big client and you're scrambling.
Payroll surprises
Bi-weekly payroll hitting at the wrong time relative to client payments creates recurring cash crunches that feel like crises but are actually predictable.
No scenario planning for cash
You know your current cash balance. You have no idea what it looks like in 90 days under different revenue scenarios.
Three steps to clean financials.
Cash Flow Audit
We map your current cash inflows, outflows, and timing. You get a clear picture of where the gaps are and what's driving them.
13-Week Cash Model
We build a rolling 13-week cash flow model that shows exactly when cash comes in, when it goes out, and what your minimum balance will be.
Ongoing Monitoring
Weekly cash position updates, scenario modeling for large decisions, and early warning when a gap is forming — so you're never surprised.
Results that speak for themselves.
Frequently asked questions.
What does the 13-week cash flow model include?
The 13-week model covers operating cash inflows (collections from AR, recurring revenue), operating outflows (payroll, vendor payments, rent, subscriptions), and financing items (loan payments, draws). We update it weekly with actuals and reforecast the remaining weeks based on your pipeline and committed expenses.
How do you handle seasonal businesses or irregular cash flows?
Seasonality is built into the model from the start — we look at your historical patterns and build in the expected timing of high and low cash periods. For businesses with irregular cash flows, we focus on the 4-week horizon with high confidence and extend to 13 weeks with wider scenario bands.
Can you help us decide when to draw on a line of credit?
Yes — that's one of the most practical uses of the 13-week model. We can show you exactly when your cash balance is projected to dip below your target, how long the shortfall lasts, and what the minimum draw would be to cover it. This makes line-of-credit decisions proactive rather than reactive.
Stop making decisions blind.
Book a discovery call and we'll show you what your cash flow model would look like.