A 13-week cash forecast you can trust, and the discipline to keep it current
Rolling 13-week cash forecast tied to AR, AP, and payroll. Weekly cash call, standing cadence, scenario-based planning for tight situations. For $2M to $50M companies where cash is now the constraint on every other decision.
The Challenge
You know what is in the operating account this week. You do not know with confidence what will be in it in eight weeks. The controller maintains a cash spreadsheet but it reconciles to the bank balance only after the fact, and the forward view is built on a gut feel. Receivables are aging and no one is flagging which specific invoices are at risk. Payables are being paid on autopilot. Payroll lands every two weeks and someone checks the balance the day before. You are running a business on cash visibility that would have been unacceptable in a Wall Street treasury function.
The moment cash becomes a constraint, the quality of your forecast determines the quality of every other decision. Hiring freezes, vendor conversations, investment timing, capital raise timing, and customer concessions all run through the 13-week cash view. If the view is weak, every decision is weak.
Our Approach
We build a driver-based 13-week cash forecast tied directly to AR (by customer and invoice), AP (by vendor and due date), payroll (by pay period), and known one-time items. The forecast refreshes weekly against bank and GL actuals, and the variance between forecast and actual is explained every Friday in a single commentary line per category. Not "AR came in lower than expected." But "three specific customers slipped 14 days and here is the status of each."
On top of the forecast, we install the weekly cash cadence: a 30-minute standing Friday call with the CEO, controller, and relevant function heads. The call reviews the week that closed, updates the rolling 13 weeks, flags the three to five decisions that need to happen this week, and assigns owners. Cash is not a passive report. It is a standing operating meeting.
What You Get
- Rolling 13-week cash forecast tied to AR, AP, and payroll by line item
- Weekly refresh against bank and GL actuals with variance commentary
- Friday cash call: 30-minute standing cadence with named owners
- Scenario views for base, tight, and stressed cash conditions
- Collections prioritization list with customer status and next action
- Vendor payment sequencing aligned to cash position, not autopilot
- Early-warning indicator set flagging cash risk 30, 60, and 90 days out
- Covenant compliance tracking where lender relationships are active
Engagement Model
Initial build runs 2 to 3 weeks. Standing weekly cadence thereafter. Can run as a standalone engagement, as part of Fractional CFO, or as a rapid engagement for tight-cash situations where the forecast and cadence need to be installed in 10 business days. Month-to-month with 30-day notice.
Who It's For
Built for $2M to $50M companies where cash has become a constraint or a source of anxiety, and where leadership needs a forward view they can trust. Typical triggers are a missed forecast quarter, a lender covenant at risk, a capital raise in process, a large customer slipping on payment, or rapid growth outpacing working capital. We are not the right fit for companies with 12+ months of runway and no visible cash pressure where a monthly review is sufficient.
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Ready to Get Started with Cash Flow Management?
Schedule a complimentary consultation and we will map out a practical financial plan tailored to your goals.