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A 13-week cash flow forecast is not about predicting the future perfectly. It’s about seeing cash clearly enough to stay in control. This is a common one for most businesses. Do you or a team member of yours track cash on a 13 week rolling forecast? If not, why? If so, what has it helped with? I’ve found great value in the 13 week and we build this for others often.
January is the ideal time to build one because it forces honesty about timing, not just totals. Plus it sets the tone for the full year.
What a 13-week forecast actually shows
Cash expected to come in each week
Cash scheduled to go out each week
When gaps will appear before they become problems
If you’ll miss any goals or debt payments
Why it fits January perfectly
It removes guesswork early in the year
It highlights timing issues, not just balances
It turns cash from reactive to planned
What it helps you avoid
Overcommitting cash too early
Being surprised by payroll, taxes, or vendors
Confusing profitability with liquidity
Keep it simple
You don’t need a perfect model. Start with known inflows, fixed expenses, and best estimates. Update it weekly. Accuracy improves as discipline improves.
The goal is visibility, not precision. You can adapt this as you go and I’m certain it’ll be a help to you. A 13-week forecast gives you a clear window into what cash is about to do. That clarity makes decisions calmer and prevents stress before it shows up.
If you’ve never built one or yours feels unreliable, reply to this email, message me in the community, or email [email protected]. This tool changes how owners lead.
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