Cash Flow Forecasting & Runway Modeling

See your cash before it moves, so payroll, taxes, and slow months stop catching you off guard.

What Is Cash Flow Forecasting?

Cash flow forecasting is a forward-looking view of the money coming into and leaving your business, usually mapped week by week. Profit on paper does not pay payroll; cash does. Yet most owners run cash from the bank balance and a gut feel, which is exactly how a profitable business ends up scrambling before a payroll run.

So I build a rolling 13-week forecast, the same tool CFOs use, so you can see your runway, plan big spends, and act early instead of reacting late. Because it updates every week, it stays honest as real numbers come in.

Signs You Need a Cash Flow Forecast

• Cash feels tight even though the business is profitable on paper.
• A large payment, like taxes or payroll, has surprised you at the worst time.
• Your revenue is seasonal or lumpy, so timing matters as much as totals.
• You are planning a big hire, a purchase, or a growth push and need the runway.
• You manage cash from the bank balance instead of a plan.

What You Get

• A rolling 13-week cash flow forecast you can actually read.
• Runway modeling, so you know how many months of cushion you really have.
• Timing for large payments, from taxes and payroll to equipment and owner draws.
• Scenario planning for a slow month, a big hire, or a growth push.
• Early-warning flags before cash gets tight, not after.
• Weekly variance tracking, so the forecast gets sharper over time.

How It Works

1. First, I map how cash actually moves through your business today.
2. Then I build a rolling forecast tied to your real receivables, payables, and payroll.
3. Finally, we review it on a rhythm, so you always know the next 90 days.

The Outcome

You always know how much cash you have and how much you will have next quarter, so big decisions stop feeling like a gamble.

Frequently Asked Questions

What is a 13-week cash flow forecast?

It is a rolling, week-by-week view of your cash for the next quarter. Thirteen weeks is long enough to plan around, yet short enough to stay accurate, which is why CFOs rely on it.

How is forecasting different from a budget?

A budget sets targets for the year. A cash flow forecast, by contrast, tracks the actual timing of money in and out, so you see problems weeks before they hit the bank.

My revenue is unpredictable. Does this still work?

That is exactly when it works best. Because the model is built for seasonality and uneven timing, it turns lumpy cash into something you can plan around.

Do I need clean books first?

Cleaner books make a sharper forecast. If yours need work, I fix that first, so the forecast stands on solid numbers.

Ready to see your numbers clearly?

Start with a free Business Books Health Check. We will look at where you stand and what one change would help most, with no obligation.