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A 13-week cash flow forecast sounds complicated, but it doesn’t have to be and I’ve come across many who could really benefit from this to help in their business. The issue I see is they do their own accounting in-house and that really isn’t much in-house accounting…
The goal isn’t perfection. The goal is visibility and if you are relying on tax time or monthly bank statements that’s the wrong way to go about things.
You can build a first version in under an hour if you keep it simple. I’m here to help make that happen too.
Start with what you already know
Current bank balance
Weekly payroll amount
Fixed weekly expenses
Known large payments coming up
Map inflows honestly
List expected customer payments by week
Use realistic timing, not hopeful timing
Separate confirmed payments from estimates
Map outflows conservatively
Payroll and taxes by week
Rent, debt, and subscriptions
Vendor payments you know are coming
Lay it out by week
13 columns, one for each week
Beginning cash
Cash in
Cash out
Ending cash
Update weekly
Replace estimates with actuals
Adjust timing as payments shift
Watch where cash dips before it becomes urgent
January is the right time to build this habit. A simple 13-week view turns cash from stressful to manageable and that’s probably all some of you need.
If you want help building or cleaning up a forecast, reply to this email, message me in the community, or email [email protected].+
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