Cash FlowJAN 30, 20256 min read
A Simple 13 Week Cash Flow Forecast for Service Businesses
Why 13 weeks (not 12, not 26), and the four lines that matter most for agencies and consultancies.
The 13 week cash flow forecast is a standard for good reason. It covers a full quarter plus a look ahead week, long enough to plan and short enough to be accurate.
For service businesses, four lines matter most: opening cash, expected collections, payroll and contractors, and operating expenses. Everything else is a detail.
Update the forecast weekly. The point is not the number in week 13, it is spotting the dip in week 5 while you still have time to act.