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13-Week Cash Flow Forecast

A rolling weekly cash forecast for businesses under cash pressure

£20
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13-Week Cash Flow Forecast

Overview

When cash is tight, a monthly budget isn't enough – you need to know which WEEK the money runs short, and by how much. This workbook builds a 13-week (one quarter) rolling cash forecast from the things that really drive your bank balance: unpaid sales invoices, unpaid supplier bills, payroll and HMRC dates, VAT and corporation tax, loan and HP repayments, rent and every other regular or one-off receipt and payment. Each completed week is replaced by what actually happened, so the forecast keeps itself honest, and you can roll it forward every week by changing one date.

Price
£20
Who it’s for
Planning & Finance
Works with
Microsoft Excel for Windows and Mac
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See how it works

A walk through the main sheets

The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.

Step 1

Customers & Suppliers

How each customer pays and which suppliers are critical, with outstanding, overdue and stretched balances. What you do: enter customers and suppliers once; review payment habits monthly.

Customers & Suppliers
Debtors

Step 2

Debtors

Every unpaid sales invoice, the week the cash is expected and a status flag. What you do: paste in your aged debtors; mark invoices Received when paid.

Step 3

Creditors

Every unpaid supplier bill, the week you plan to pay it and a status flag. What you do: paste in your aged creditors; plan pay dates; mark bills Paid.

Creditors
Other Flows

Step 4

Other Flows

All other receipts and payments, one-off or recurring, with the base forecast by week. What you do: one row per item.

Who it is for

Made for people like you

  • Example – text
  • Owners and finance managers watching every pound – A weekly view of the bank balance, your headroom against the overdraft and an early warning of the tight weeks.
  • Businesses talking to their bank or a lender – A one-page Lender Report in the format banks, invoice financiers and turnaround advisers expect.
  • Businesses agreeing Time to Pay or supplier terms – Evidence of exactly when and how much you can afford to pay, and the effect of stretching or accelerating payments.
  • Accountants and advisers – A structured, auditable model you can update with a client every Monday morning.

Quick start

Up and running in minutes

  1. Example – text
  1. Settings – Enter your business name, the start of week 1, today's date (the reporting date), your bank balances and overdraft limits, a minimum cash buffer, payroll amounts and dates, VAT quarter and amounts, and any corporation tax due.
  2. Customers & Suppliers – List your customers with how late they typically pay and what share of each invoice arrives late, plus your suppliers – marking the ones you can't afford to upset as critical.
  3. Debtors – Paste your aged debtors report (from Xero, QuickBooks, Sage etc.) into the yellow columns: invoice number, customer, invoice date, due date, amount outstanding and status.
  4. Creditors – Paste your aged creditors report the same way. Enter a planned pay date for any bill you intend to pay later than its due date.
  5. Other Flows – Add everything else: cash sales, credit sales you haven't invoiced yet, stock you haven't been billed for yet, rent, rates, loans, HP, utilities, overheads, grants, asset sales, drawings.
  6. Read the results – Check the Dashboard and Cash Flow sheets. Look for amber and red weeks, then try the levers on the Scenarios sheet to see what would fix them.
  7. Every Monday – Type last week's actual receipts and payments into the Actuals sheet, update the reporting date, refresh the debtors and creditors, and print the Lender Report if your bank wants it.

Key features

  • Week-by-week forecast for 13 weeks built from your aged debtors and creditors, payroll, VAT, corporation tax and every other receipt and payment.
  • Each invoice is slotted into the week the cash is really expected, using each customer's payment habits; stretched and critical creditors are flagged.
  • Actuals replace the forecast as each week completes, with actual-vs-forecast variances, bank reconciliation checks and roll-forward by changing one date.
  • Headroom against your overdraft or facility, red/amber/green warnings, three what-if scenarios and a one-page version for your bank or lender.

What’s included

  • Dashboard – Cash position at a glance
  • Settings – Dates, bank balances, payroll, VAT, CT
  • Customers & Suppliers – Payment habits and critical suppliers
  • Debtors – Unpaid sales invoices
  • Creditors – Unpaid supplier bills
  • Other Flows – Everything else in and out
  • Actuals – Weekly actual bank figures
  • Cash Flow – The 13-week forecast
  • Scenarios – What-if levers and comparison
  • Variance – Actual vs forecast
  • Lender Report – One page for your bank
  • Workings – Calculation engine
  • Guide – How to use this workbook

How buying works

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