Cash Flow Forecasting · $650 / quarter
Know What's Coming
Before It Arrives
A rolling 12-month cash flow model built from your actual business patterns and updated every quarter. Tight periods stop being surprises — they become something you plan around with time to spare.
What This Delivers
A forward view of your cash — updated as conditions change
Cash flow is the part of business finance that punishes inattention most directly. Revenue looks healthy on paper while the checking account runs thin. A slow-paying client, a tax installment, and a supplier renewal land in the same month — and suddenly a comfortable business is scrambling.
This service builds a forward-looking model from your actual revenue patterns and expense structure, then updates it each quarter as the picture evolves. You see where your cash position is heading — not just where it's been — across a rolling twelve-month window.
The outcome is that planning conversations happen with real data in front of you. When to make a hire, when to hold off on a purchase, when to draw from a line of credit — these decisions get easier when the cash picture is visible ahead of time.
12-Month Rolling Model
A full year of forward visibility, structured around your actual inflows and outflows — not industry averages.
Quarterly Updates
The model is refreshed each quarter against your actual results, keeping the projections grounded as the business changes.
Narrative Summary
A plain-language write-up explaining key assumptions, flagged risk periods, and what the model is and isn't accounting for.
Scenario Planning
Where relevant, alternate scenarios showing the cash position under different revenue or expense conditions.
The Challenge
Profitable businesses can still run into cash trouble
01
Timing gaps are invisible until they aren't
Revenue and expenses rarely move in sync. Invoices go out in one month, collections arrive two months later, and fixed obligations land regardless. Without a model, these timing mismatches only become visible when cash is already tight.
02
Seasonal patterns need lead time
Most businesses have some degree of seasonality — quarters where revenue dips, months where expenses cluster. Knowing these patterns in advance makes them manageable. Finding out about them mid-month makes them stressful.
03
Growth decisions need a cash reality check
Hiring, expanding inventory, taking on a larger client, investing in equipment — growth moves all require cash ahead of when the return arrives. A forecast makes it possible to evaluate whether the timing actually works.
How We Approach It
Built from your actual numbers — not generic templates
The model starts with your historical cash flows — typically the prior 12 to 18 months — to identify the patterns that are genuinely characteristic of your business. Seasonal dips, payment cycle timing, fixed obligation clusters — these become the foundation of the forecast rather than assumptions borrowed from industry benchmarks.
From there, we layer in your planned business activities: anticipated revenue growth, upcoming expenses, tax obligations, debt service, or capital expenditures that are already on the horizon. The model accounts for what you know, surfaces what's uncertain, and flags the periods that warrant attention.
Each quarter, we update the model against your actual results, adjust the assumptions where the business has moved, and deliver a fresh set of projections with a written summary covering what changed and what to watch over the next two to three months.
Historical Pattern Analysis
Review of your prior 12–18 months to identify timing patterns, seasonal movements, and expense rhythms that the forecast will be built around.
Rolling 12-Month Projection
Month-by-month cash position projected a full year forward, delivered as a clean spreadsheet model you can navigate without an accounting background.
Narrative Summary
A written explanation of the key assumptions, any flagged risk periods, and the scenario conditions that could move the picture meaningfully in either direction.
Quarterly Refresh
Each quarter, the model is updated with actual results and revised assumptions. The projection stays current rather than drifting further from reality over time.
What Working Together Looks Like
A quarterly rhythm that keeps the forecast useful
Engagement Start
We collect your historical financials and any forward-looking information you have — planned hires, upcoming obligations, expected slow periods. The initial model takes two to three weeks to build.
First Delivery
You receive the spreadsheet model and narrative summary. We walk through the findings together — what the model shows, where assumptions are carrying uncertainty, and what to keep an eye on.
Each Quarter
We update the model with actual results from the prior quarter and refresh the projections. A revised summary is delivered, noting any material changes from the previous period's outlook.
As Needed
If a significant business decision comes up between quarterly updates — a large purchase, a new client contract, a staffing change — we can run a scenario against the existing model at no additional cost.
The Investment
Quarterly forecasting at a cost that makes practical sense
$650
per quarter
The quarterly fee covers the update, revised projection, and updated narrative summary. The initial build — which involves more setup work — is billed at the same rate as the first quarterly delivery.
Quarterly billing keeps the engagement straightforward. You're billed at the start of each quarter and receive the updated forecast within two weeks of providing your most recent financials.
There's no minimum term required to begin. If the service stops being useful, it can be paused or closed out without penalty.
What's Included Each Quarter
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Updated 12-month rolling cash flow model in spreadsheet format
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Written narrative summary with key assumptions and flagged risk periods
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Actual vs prior forecast variance note — what changed and why
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Scenario modelling for significant variables where relevant
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Mid-quarter scenario run for significant decisions — no extra charge
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Delivery within two weeks of receiving your quarterly actuals
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No long-term minimum — quarterly engagement, cancel any time
Our Methodology
How the forecast gets more useful over time
Quarter 1
Build the baseline model
Historical patterns are analyzed, assumptions are documented, and the first 12-month projection is built. The narrative explains what we found in the history and what the forward model is based on. This is the most time-intensive part of the engagement.
Quarter 2–3
Calibrate against actuals
Early updates compare the first projections to what actually happened. Assumptions get refined. The model becomes more accurate as it's tested against real results, and any systematic errors in the initial build get corrected.
Quarter 4+
Reliable forward visibility
By this point, the model has a track record and the assumptions are grounded in observed business behavior. The forecast becomes a tool you can actually rely on when planning — not just a number to glance at and set aside.
A note on forecast accuracy
No cash flow model predicts the future with certainty. What a well-built forecast provides is a structured way to think about what's probable, what's uncertain, and where the cash risks are concentrated. The goal isn't a perfect number — it's a useful planning tool that reduces the number of unpleasant financial surprises.
How We Stand Behind This
No long commitments required to find out if this works for you
We begin with an introductory conversation to confirm that a quarterly cash flow model fits where your business is right now. Some businesses are at a stage where this kind of visibility genuinely changes how decisions get made. Others aren't quite there yet. We'll give you an honest read on which side of that line you're on before anything proceeds.
The engagement runs quarter by quarter. If after the first or second update the deliverables aren't meeting your expectations, we can adjust the approach or close things out. There's no multi-year contract to navigate.
The model and all documents produced during the engagement belong to you. If you ever decide to stop, you keep everything that was built.
Introductory conversation at no charge — before any commitment
Quarter-to-quarter — no annual contract or minimum term
All models and documents are yours to keep if you ever stop
Scope can be adjusted if your business changes significantly
Getting Started
From first message to your initial forecast
01
Send a Message
Use the contact form on the home page. A brief note about your business and what cash flow visibility would mean for you is enough to start.
02
Introductory Call
A short conversation to confirm this fits your situation and to discuss what historical data we'll need to build the initial model.
03
Data Collection
We collect your prior 12–18 months of financials and any known forward-looking items — planned expenses, expected revenue changes, upcoming obligations.
04
First Forecast Delivered
Two to three weeks later, your initial 12-month model and narrative summary are delivered. We walk through the findings together and establish the quarterly update cadence from there.
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Your first forecast — ready in two to three weeks
If cash flow visibility would change how you plan or make decisions, this is a practical place to start. Reach out with a brief message and we'll set up an introductory conversation to confirm it's the right fit.
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