13-Week Cash-Flow Forecast
Profit is an opinion; cash is a fact. I built a rolling 13-week forecast that gives leadership an honest, near-term view of liquidity — long enough to spot trouble, short enough to stay accurate.
Role
Controller
Timeframe
Ongoing
Focus
Liquidity · Forecasting · Excel
The challenge
The business could be profitable on paper yet still feel tight on cash. There was no reliable way to anticipate the timing of receipts and payments or to see a funding gap before it became urgent.
The approach
Anchored the model to the actual bank balance rather than accrual-based P&L figures.
Modeled receipts by customer and cohort so a single large client paying late is visible immediately.
Separated committed outflows (payroll, rent, debt) from discretionary spend to expose real levers in a crunch.
Built a weekly roll-forward routine so the forecast compounds in accuracy over time.
The outcome
- Funding gaps surface weeks in advance instead of at the last minute.
- Leadership can time investments, hiring, and vendor negotiations from a position of clarity.
- Liquidity planning became a proactive, routine conversation.
Next project
Budget vs. Actual Analysis
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