13-week cash flow forecasting
13-week cash flow forecasting for growing businesses
Know your cash position every week for the next quarter, so payroll, taxes and big decisions never catch you by surprise.
Starting at$500 / month
Every plan includesWeekly forecast email and dashboard
Best for$1M–$40M revenue companies
Reviewed by Calvin Wu, CPA (inactive) · Updated October 2026
In short
A rolling 13-week cash forecast, a weekly email with your forecast and dashboard, and regular calls to keep it current.
Monthly calls$500 / month
Semi-monthly calls$750 / month
Weekly calls$900 / month
BookkeepingNot included, billed separately
Why 13 weeks
Profitable on paper, tight on cash?
Monthly reports hide timing. Two payrolls, a slow-paying customer and a quarterly tax payment can land in the same few weeks. A 13-week forecast shows you that squeeze while there’s still time to act.
- Cash feels tight even though revenue is growing
- Customers have started paying slower
- Your business is seasonal or has large, lumpy payments
- You manage a line of credit, loan or covenants
- A big hire, purchase or acquisition is coming up
- Your bank or investors want a cash outlook
What’s included
Your forecast, built and kept current
We build the model, keep it rolling forward and walk you through it, so you always know what the next quarter looks like.
01
Forecast build
A 13-week model built from your bank balance, receivables, payables, payroll, debt payments and taxes.
02
Regular update calls
Monthly, semi-monthly or weekly calls to roll the forecast forward, compare actuals to forecast and update assumptions.
03
Minimum-cash alerts
Your cash cushion is built in, so any week that dips below it is flagged early.
04
Collections view
Customer payments forecast from real payment history, not invoice due dates.
05
Action plan
Clear options when a gap appears: speed up collections, re-time payments or line up financing.
06
Weekly email and dashboard
Every week you get an email with your updated cash forecast and a dashboard, in a format you can share with your bank or board.
Plans and pricing
Choose how often you want to update
Every plan includes the full 13-week forecast and a weekly email with your forecast and dashboard. The difference is how often we meet to update it.
Monthly Forecast
For businesses with steady cash that want a clear view of the quarter ahead.
Starting at$500/mo
- Rolling 13-week cash flow forecast
- Weekly email with your cash forecast and dashboard
- Update call once a month
- Actual vs. forecast review
- Minimum-cash alerts
Most popular
Semi-Monthly Forecast
For growing businesses that want to stay a step ahead of cash.
Starting at$750/mo
- Everything in Monthly
- Update call twice a month
- Faster course corrections between calls
Weekly Forecast
For businesses managing tight cash, a credit line or a big decision.
Starting at$900/mo
- Everything in Semi-Monthly
- Weekly update call
- Forecast rolled forward with you every week
- Earliest warning when cash gets tight
Bookkeeping is not included and is billed separately. Your books need to be current and reconciled. You can keep your bookkeeper or use our bookkeeping services.
How it works
From first call to a forecast you can trust
Free 30-minute call
We review your cash situation, systems and what’s coming up.
Build
We build your first 13 weeks from your bank, receivables, payables and payroll.
Review
We walk you through the forecast and agree on your minimum cash cushion.
Roll forward
On every call we update actuals, add a new week and flag what needs action.
Which option fits
Forecast only, or the full CFO seat
| 13-week forecasting | Fractional CFO | |
|---|---|---|
| Price | $500–$900 / month | From $8,500 / month |
| 13-week cash flow forecast | ✓ | ✓ |
| Update calls | Monthly, semi-monthly or weekly | Weekly or monthly, plus on call |
| Budgeting and KPIs | — | ✓ |
| Investor and lender reporting | Lender-ready cash report | ✓ Full package |
| Strategic planning | — | ✓ |
| Bookkeeping | Billed separately | Controller-level close included |
Built for your industry
What drives cash in your business
Professional services
Payroll is the biggest outflow, so billing speed and collection days decide everything.
SaaS and technology
Annual prepayments, renewals and churn timing create big swings by week.
E-commerce and retail
Inventory buys, freight and marketplace payouts drive the forecast.
Real estate
Debt service, reserves, capital projects and tenant payment timing.
FAQ
13-week cash flow forecasting questions
What is a 13-week cash flow forecast?
It’s a week-by-week projection of the cash your business will collect and pay out over the next 13 weeks, or one quarter. It starts from your actual bank balance and shows your expected ending cash for each week, so you can see a shortfall weeks before it happens.
How much does 13-week cash flow forecasting cost?
Plans start at $500 per month with a monthly update call. Semi-Monthly is $750 per month with two calls a month, and Weekly is $900 per month with a weekly call. Every plan includes a weekly email with your updated cash forecast and dashboard. Bookkeeping is billed separately.
Is bookkeeping included?
No. The forecast is only as good as the books behind it, so your books need to be current and reconciled. You can keep your existing bookkeeper, or we can handle it through our bookkeeping services, which are billed separately.
Which plan should I choose?
Monthly works well when cash is steady. Semi-monthly suits growing businesses that want to course-correct faster. Choose weekly if cash is tight, you’re managing a line of credit or covenants, or a big decision such as a hire, purchase or acquisition is coming up.
How is this different from your fractional CFO service?
This is a focused, stand-alone product: we build and maintain your 13-week forecast and review it with you. Our fractional CFO service includes the forecast plus budgeting, KPIs, investor and lender reporting and strategic planning.
Can I share the forecast with my bank or investors?
Yes. Your weekly email includes the updated forecast and a dashboard in a clear format you can share with your bank, investors or board.
Learn more
From the blog
How to build a 13-week cash flow forecast
A step-by-step guide with a worked example and what to do when it flags a gap.
How to create a business budget for 2027
Build an annual budget from drivers, with a free Excel template.
How much does a fractional CFO cost?
What fractional CFOs charge in 2027 and when the full CFO seat makes sense.
Next step
Know your cash position every week
Book a free 30-minute consultation. We’ll look at your cash outlook and recommend the right plan.
