Cash flow planning
13-week rolling cash forecast
Weekly inflows and outflows projected 13 weeks out — the short-horizon view that catches most cash crunches before they hit.
Cash flow planning
Cash flow, ten weeks ahead instead of last Thursday.
Most owners look at the bank balance and feel a vague sense of whether things are okay. A real cash flow forecast shows you exactly where you'll be in 13 weeks — and what one big payable or one slow receivable does to that picture. We build it, you run on it.
What this is
The bridge between your P&L and your bank account.
Profit and loss tells you whether the business is making money. Cash flow tells you whether you can actually pay people next month. The two diverge constantly — a profitable business can run out of cash because customers pay slowly, inventory is tied up, or a big tax payment lands at the wrong time. A cash flow forecast shows you the gaps before they become a problem.
What we build
The pieces of a working forecast.
Depending on what your business needs, a forecast can include any combination of the following.
Cash flow planning
12-month projection
Monthly cash projection tied to your annual budget. Updated quarterly as the year develops.
Cash flow planning
AR aging integration
Receivables forecast based on actual customer payment history — not assumed terms. The two are almost never the same.
Cash flow planning
AP timing model
Vendor payments scheduled based on actual terms and your typical pay cadence. Catches scenarios where stretching vendors damages key relationships.
Cash flow planning
Scenario modeling
What if a key customer leaves. What if a hire happens 90 days early. What if the equipment purchase shifts to Q3. Each scenario flexes the model.
Cash flow planning
Tax + debt payment overlay
Quarterly estimated tax payments, sales tax remittances, loan payments — all the recurring obligations that owners forget until the bank balance dips.
Why a forecast beats a bank balance
The number in the account today is the wrong question.
Today's bank balance includes money you haven't yet spent (next week's payroll) and excludes money you haven't yet received (this month's invoices). It tells you very little about whether you can afford the decision in front of you. A forecast turns today's balance into a curve — what the balance will look like next week, in four weeks, in 13 weeks — under the actual obligations and expected receipts on your calendar. That's the number worth looking at.
Common questions
What people ask us about this.
Often paired with
Related services on the menu.
BOI filing
BOI Filing (FinCEN Beneficial Ownership Reporting)
The Corporate Transparency Act requires most LLCs and corporations to file Beneficial Ownership Information with FinCEN.
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Business Entity Setup and Formation
Most entity setup is templated and fine — until the first tax return reveals you elected the wrong structure for your income.
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Annual Reports and Corporate Maintenance
Every Minnesota LLC and corporation has to file an annual renewal with the Secretary of State.
ExploreSee the next 13 weeks before you have to live them.
A cash flow forecast is one of the highest-impact things a business can build. It changes which decisions look possible and which don't.