Customers pay later than you pay bills
See what those timing gaps may do to the bank balance before the pressure shows up.
Free cash-flow workbook
See when cash may get tight before the week arrives.
You can be profitable on paper and still get surprised by the bank balance. This workbook puts the next 13 weeks of expected cash in and cash out on one timeline so you can see where the pressure is building.
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Built from CFO and business-owner experience for owner-led businesses.
Example forecastSee what an early warning looks like with numbers filled in.
Week 2 warning$4,000 low point$8,000 minimum
When this helps
Useful when the bank balance keeps telling you less than you need to know.
Most owners do not need more financial jargon. They need enough visibility to see a cash problem while there is still time to respond.
Payroll or large payments are coming
See whether the cash you expect in is likely to arrive soon enough.
Revenue changes week to week
Put realistic timing around what you actually expect to collect instead of relying on a monthly average.
You keep checking the bank account
Give yourself an earlier warning instead of finding out after the cash has already gotten tight.
What you get
One view of the next 13 weeks, not another pile of numbers.
See expected cash in, cash out, projected ending cash, your lowest-cash week, and the first week you fall below the minimum balance you want to keep.
- See projected ending cash week by week.
- Set the minimum cash balance you want to protect.
- Spot the first week below that minimum.
- Turn the warning into specific actions to review.
Get Workbook + Monthly GuidanceFree Excel workbook. No account required. Join the Monthly Owner Guide to receive this workbook.
See what’s inside
The forecast is the main event. The other sheets help you use it.
Open any preview at full size. The workbook is designed to be useful the first time you fill it out and more useful if you come back to it each week.
13-Week Forecast
See the lowest projected cash balance, when it happens, and whether it falls below the minimum you want to keep.
Ready to use your own numbers?Free Excel workbook. No account required. Join the Monthly Owner Guide to receive this workbook.
Get Workbook + Monthly GuidanceStart imperfectly
You do not need a perfect forecast.
You need a useful warning before cash gets tight. Start with your best realistic estimates and improve the forecast as you learn more.
A useful estimate today is better than a perfect forecast you never make.
- 1
Enter the cash your business can actually use today.
- 2
Set the minimum cash balance you want to protect.
- 3
Add the money you realistically expect in and out by week.
- 4
Look for the first week cash gets uncomfortable and decide what deserves attention.
Get the workbook, then keep the guidance coming.Free Excel workbook. No account required. Join the Monthly Owner Guide to receive this workbook.
Get Workbook + Monthly GuidanceRelated Business Guides
If the forecast shows pressure, follow the cause.
A forecast tells you when cash may get tight. These guides help you work through why it is happening and what deserves attention next.
- Why Is Cash Flow Tight Even When Business Is Good?
- How to Build a 13-Week Cash-Flow Forecast for Your Business
- What Should I Do If Customers Pay Late?
- How Much Cash Should a Small Business Keep in Reserve?
- Why Can Business Growth Create Cash-Flow Problems?
- How Should a Business Owner Balance Pay, Profit, and Cash Reserves?
- What Financial Reports Should I Review Each Month?
A practical business tool from Owner Advisor
Get the 13-Week Cash-Flow Workbook and Monthly Guidance.
Use it to see when cash may get tight, what deserves attention first, and which assumptions need another look.