Free editable workbook
Download the 13-Week Cash Flow Forecast in Excel.
Use the illustrative inputs, formulas, checks, and decision prompts as a starting point, then replace them with your own business information.
No signup required. Illustrative model only; review assumptions before using the output for a business decision.
Workbook structure
Start Here → Inputs → Forecast → Dashboard → What to Consider → Checks. The selected scenario changes receipt, operating-cost, and capex assumptions. The forecast then rolls beginning cash into ending cash every week and compares the result with your minimum cash target.
Direct answer
What is a 13-week cash flow forecast?
A 13-week cash flow forecast is a short-term planning model that starts with opening cash and estimates the timing of customer receipts and cash payments each week. It helps an owner see when cash may tighten before the bank balance becomes the warning signal.
Formula-driven outputs
Ending cash
Weekly cash rolls forward automatically from beginning cash, inflows, and outflows.
Minimum-cash headroom
Each week is compared with the cash floor you enter.
Scenario comparison
Base, Downside, and Upside ending cash use the same core weekly inputs with different assumptions.
Automatic signals
Flags weeks below target, concentrated receipts, large capex, and downside cash risk.
What to consider
- Which customer receipts are confirmed and which are assumptions?
- What if the largest receipt arrives one or two weeks late?
- Are payroll taxes, debt, equipment, owner distributions, and one-time items included?
- Which payments can actually move?
- Is the minimum cash target still appropriate?
Need this forecast customized to your business?
I can build the cash logic around your actual billing cycle, payroll calendar, customer payment behavior, supplier commitments, debt, capex, and management decisions.
Available as a defined project or as part of ongoing fractional CFO support.