Cash Flow Forecasting
Build rolling cash flow forecasts that keep your business solvent through growth, seasonality, and uncertainty. From 13-week operational models to multi-year strategic projections.
Get a QuoteCash is the only number that matters at 5pm on Friday
Profit is an opinion. Cash is a fact. Every business owner knows the feeling of having a profitable month on paper while struggling to make payroll. A cash flow forecast bridges that gap - it tells you not just whether you'll be profitable, but whether you'll have the cash to operate.
We build cash flow forecasting models tailored to your business - your revenue cycles, your payment terms, your cost structure. Whether you need a simple 13-week rolling forecast or a full multi-year model with debt covenants and investor reporting, we have you covered.
What a good forecast gives you
Predict Cash Shortfalls
Spot funding gaps 8-13 weeks ahead so you can arrange finance before you need it, not after the bank balance hits zero.
Optimise Working Capital
Time supplier payments, customer collections, and inventory purchases to minimise borrowing costs and maximise cash on hand.
Stress-Test Your Assumptions
Model what happens when a major customer pays late, a supplier raises prices, or revenue dips. Know your buffer before you need it.
Build Stakeholder Confidence
Present a rolling 13-week forecast to banks, investors, or your board that shows you run a tight ship and understand your cash drivers.
Common use cases
- Rapid-growth SMEs burning cash faster than revenue catches up
- Seasonal businesses needing to plan for lean months in advance
- Property developers managing staged payments and milestone draws
- E-commerce operators navigating inventory pre-purchase and payment cycles
- Businesses preparing for bank loan applications or overdraft renewals
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Frequently asked questions
What is a cash flow forecast?
A cash flow forecast projects when money will come in and go out of the business over a future period. Unlike a budget, it is driven by timing, so it shows the actual cash position at any point rather than accrual-based profit.
What is a 13-week cash flow forecast?
A 13-week cash flow forecast is a short-term, weekly cash projection used to manage liquidity tightly, often through seasonal peaks or turnaround periods. It is the standard tool lenders and advisers use to see exactly when funding gaps will occur.
What is the difference between a cash flow forecast and a budget?
A budget records expected revenue and expenses on an accrual basis, while a cash flow forecast tracks the timing of actual receipts and payments. A business can be profitable on a budget and still run out of cash if payment timing is poor.
Why do profitable businesses run out of cash?
Profit and cash diverge because of timing: customers pay late, suppliers demand early payment, and stock or work in progress absorbs cash before it converts to revenue. A rolling cash flow forecast surfaces these gaps while there is still time to act.
How often should a business update its cash flow forecast?
Businesses with tight liquidity or seasonal cycles should update forecasts weekly or monthly, using actuals to re-baseline each period. A rolling 13-week forecast updated monthly is a practical cadence for most growing Australian SMEs.
Need a cash flow forecast?
We build financial models that give you clear visibility of your cash position - so you can make decisions with confidence, not crossed fingers.
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