13-Week
Cash Flow Forecast
Control Your Cash Position
A rolling weekly model that maps every inflow and outflow 13 weeks ahead. Updated with actuals. Shows when cash will tighten — and what to do before the problem arrives.
cash visibility
actuals each week
work starts
no subscriptions
Fixed price confirmed before any work starts
Send an email ↗Your bank balance tells you
nothing about week six
The account looks fine today. In six weeks, three large invoices fall due, a client pays late, and payroll hits the same day. Without a forward view, you will not see this coming until it is already a crisis.
"Most business owners discover a cash problem two weeks too late. The 13-week model gives you six to eight weeks of warning — enough time to actually do something."
Why this timeframe mattersProfitable businesses run out of cash
Your P&L can show a healthy margin while your bank account empties. Revenue is recognised when earned; cash arrives when clients pay. The gap between the two is where businesses fail.
Late-paying clients are a hidden financing problem
On €200K annual revenue with 60-day average delays, you are self-financing roughly €33K of client work at any moment — without a plan or a rate of return for doing it.
Emergency solutions cost more than prevention
An overdraft arranged in crisis costs more than one negotiated in advance. A supplier paid late loses goodwill that took years to build. Early visibility makes the difference between a phone call and a problem.
Growth consumes cash faster than it creates it
The faster you grow, the more cash you need before income catches up. Without a forecast, growth looks like success until the moment it becomes a liquidity crisis — and the two can happen in the same quarter.
Banks and investors ask for this model
A 13-week cash flow forecast is a standard requirement in loan covenants, due diligence processes, and restructuring situations. Having one already built shows financial discipline before anyone asks for it.
A model built to be used —
not a report to file away
Every element of the deliverable has a specific purpose. Nothing is included to look impressive. Everything is there because you will use it to make a decision or take an action.
13-week rolling cash flow model
Built in Excel, structured around your specific inflows and outflows. Every row is a real transaction category. Every column is a calendar week. The model rolls forward each week as new data arrives.
Weekly update with actuals vs. forecast
Each week the previous week's forecasted figures are replaced with what actually happened. The variance is calculated automatically — so you see not just where you are, but whether your assumptions are holding.
Cash runway and minimum balance visibility
The model shows your projected bank balance at the end of each week across the full 13-week horizon, including the lowest point. You know your cash low before it arrives.
Variance analysis: what changed and why
A short written note each week explaining where the forecast and actuals diverged, what caused it, and whether the original assumptions need to be revised going forward.
Specific recommended actions for the coming week
Not a dashboard — a decision. Each weekly update concludes with specific actions: which payment to chase, which outflow to defer, what to watch. Written in plain language, not financial jargon.
Who this is for,
and what you need to provide
The model is built to fit your specific business — not a generic template. The only requirement on your side is basic financial data, sent by email in whatever format you already have.
Who this is for
- SMEs with €100K–€5M annual revenue
- Businesses with irregular or project-based income
- Agencies, service firms, and trading companies
- Owners who have been surprised by the bank balance
- Businesses preparing for a bank review or investor meeting
- Anyone growing without a dedicated finance team
What to provide
- Bank statements — 3 months
- Expected customer payments with approximate dates
- Recurring cost schedule (payroll, rent, suppliers)
- Any known large or irregular outflows
Standard Excel or CSV files. No software access, API integrations, or special formats required.
13-week forecast vs.
3–12 month planning model
Two different tools for two different purposes. The 13-week forecast is an operational control instrument. The 3–12 month model is a planning and fundraising tool. Many businesses benefit from having both.
Not sure which you need? Describe your situation by email — I will tell you which model fits, or whether both make sense together.
From first message
to finished model
No lengthy onboarding calls. No forms to fill in. Describe your situation briefly — I will confirm the scope, timeline, and price in writing before any work starts.
Send a short email
Describe your situation in a few sentences: the size of your business, what type of income and costs you have, and what prompted you to look for a forecast. No detailed numbers needed at this stage.
Receive a written proposal
You receive a clear written scope: what the model will include, what data you need to send, the delivery timeline for the initial build, and a fixed price. Everything agreed before any work starts.
Share your data
Bank statements, a list of expected payments, and your main recurring costs — sent by email in standard Excel or CSV format. No software access, no integrations, no installation required on your side.
Receive the model
The initial 13-week model arrives with written commentary on what to watch and what the first recommended actions are. Ongoing weekly updates follow each Monday. Follow-up questions answered by email at no extra charge.
Questions worth answering
before you decide
What exactly is a 13-week cash flow forecast?
A rolling weekly model that maps every expected cash inflow and outflow across the next 90 days. It shows your projected bank balance at the end of each week — including the lowest point. You can see a cash shortage 4–8 weeks before it hits, which gives you time to act rather than react.
My business is small. Do I really need this?
Size is not the deciding factor — income pattern is. If your revenue arrives at irregular intervals, if you have a few large clients who sometimes pay late, or if you have ever been surprised by the bank balance, the answer is yes. The model is built to fit your specific situation, not a generic template.
What is the difference between a 13-week forecast and a 3–12 month forecast?
The 13-week forecast is an operational tool — weekly, granular, updated with actuals, used for day-to-day cash control. The 3–12 month model is a planning tool — monthly, scenario-based, used for fundraising, investment decisions, and budget planning. If you are unsure which you need, describe your situation and I will tell you.
Do I need special software or to give access to my accounting system?
No. The model is built in Excel and everything is exchanged by email. No software access, no integrations, no third-party accounts. You send CSV or Excel files; I return a working model.
Can I get just the initial model without the weekly updates?
Yes. The initial build and the ongoing weekly update service are priced separately. Some clients want the model built once and then maintain it themselves. Others prefer the weekly update service so the model stays current without the time commitment on their side.
How is this different from what my accountant already does?
Your accountant reports on what happened — tax filings, annual accounts, P&L statements. This model shows what is going to happen over the next 13 weeks. Backward-looking and forward-looking are different functions, and most accountants do not provide this as a weekly service.
What does it cost?
Pricing depends on the complexity of your business — number of revenue streams, cost categories, and whether weekly updates are included. The scope and price are confirmed in writing before any work starts. Send a short email describing your situation and I will come back with a specific number.
Ready to see what the next
90 days actually look like?
Send a short email describing your business and what prompted you to look for a cash flow forecast. I will reply with what the model includes, how long it takes, and what it costs. No commitment required, no call necessary.