Cash Flow Planning
A practical starting point
Why can a profitable business still struggle to pay its bills?
Sales recorded today may not reach the bank for weeks. Meanwhile, payroll, stock purchases, loan repayments, and taxes follow their own schedules. A cash-flow forecast makes these timing differences visible instead of treating accounting profit as spendable money.
We begin with available cash and build a dated view of expected receipts and payments. An overdue customer, seasonal sales pattern, or one-off purchase is modeled explicitly. Short-term scenarios can show what happens if collections slow or a planned purchase moves forward, with assumptions that you can update as facts change.
What to agree before work begins
Agree on a forecast horizon and update cadence. Use the forecast to discuss collection priorities, payment timing, reserves, and financing needs before a shortage becomes urgent.
Services we can include
The engagement letter confirms the work, reporting periods, responsibilities, and fee. Select the support you need rather than assuming every item is part of one package.
- 13-week and rolling cash flow forecasts
- Scenario planning for hiring and investment
- Receivables and payables timing strategy
- Seasonality and working-capital planning
- Cash reserve and runway targets
Common questions
How is this different from a budget?
A budget tracks profit; a cash flow forecast tracks the actual timing of money in and out, which is what keeps you solvent.
How far ahead can you forecast?
We typically maintain a rolling 13-week forecast plus a longer 12-month view for strategic planning.
Let's discuss the work you need.
Tell us about your situation, the records you have, and any deadlines. We will discuss the right scope and next steps before an engagement begins.