Cashflow Forecasting & Modelling
13-week and 3-year cashflow models you actually use — not a one-off spreadsheet that goes stale.
Who this is for
Businesses where cash is tight or about to be — pre-funding, post-acquisition, fast-growth, or any business where working capital swings are material.
Profit is opinion. Cash is fact. Run out of cash and nothing else matters.
More good businesses fail from cashflow than from lack of profit. We build two models in parallel: a rolling 13-week short-term cashflow that tells you whether you can pay payroll on the 28th, and a 36-month integrated three-statement model that tells you whether the strategy actually works.
Both models are built to be maintained — connected to your bookkeeping, refreshed monthly, and reviewed in the management meeting. A cashflow forecast that ages on someone's hard drive is worse than no forecast at all, because it gives false comfort.
What's included.
Everything below is part of the standard engagement. We'll tell you up front if your situation needs anything outside this — there are no surprises.
13-week rolling short-term cashflow forecast — refreshed weekly or monthly
36-month integrated three-statement model (P&L, balance sheet, cashflow)
Scenario modelling — base, downside, upside — with the assumptions documented
Sensitivity analysis on the 3–5 variables that actually move the answer
Funding requirement analysis — when, how much, what for
Quarterly model review and re-baselining
A predictable, four-step engagement.
Discovery
We dig into your business model, the working capital cycle, and where cash actually breaks.
Model build
13-week and 3-year models built together so they reconcile. Driver-based, transparent, no black boxes.
Stress testing
We run downside cases until we find what breaks first — and then we plan around it.
Maintenance
Monthly refresh against actuals, quarterly re-forecast, ongoing scenario work as decisions arise.
Frequently asked questions
Why both a 13-week and a 36-month model?
They answer different questions. The 13-week tells you whether you can pay this Friday's bills. The 36-month tells you whether the business actually works. You need both — relying on either alone is dangerous.
Will the model be in Excel or something else?
Excel by default — it's the universal language and your bank, your investors and any future buyer all expect it. We can integrate with tools like Fathom, Float or Spotlight if you prefer a real-time feed, but the structural model lives in Excel.
Do you only build models, or do you maintain them?
Maintain. A model that isn't maintained is decorative. Most of our forecasting clients are on a monthly retainer where the model gets refreshed against actuals every month and re-forecast every quarter.
Related: explore the full growth & advisory suite —All growth & advisory
Talk to us about cashflow forecasting.
Quick conversation, no commitment. We'll tell you honestly whether this is the right service for where you are.