Cash Flow Forecasting Services for Small Businesses
A cash flow forecast answers the question most owners ask every week: will we have enough cash? AccoTiva builds forecasts from your reconciled books and updates them with actual results, so you see pressure points weeks ahead instead of on the day a payment is due.
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Problems we solve
- Profitable months still end with too little cash in the bank.
- Large annual or quarterly payments catch the business off guard.
- Growth plans such as hiring or inventory purchases are made without knowing the cash impact.
- Lenders ask for a forecast and none exists.
- Customer payment delays are noticed only after they cause a problem.
What’s included
13-week cash forecast
A weekly view of expected receipts and payments for the next quarter, starting from your actual bank balances.
12-month outlook
A monthly forecast linking profit, working capital and planned investments to cash.
Assumption log
Each forecast line is marked as committed, expected or estimated so you know how firm the numbers are.
Variance review
Comparison of forecast with actual results and an updated outlook each cycle.
Scenario testing
What-if views for slower collections, new hires, price changes or seasonal dips.
Owner summary
A short written summary of the cash position, risks and options.
Benefits for your business
- Time to act before a shortfall arrives.
- Better conversations with lenders and investors.
- More confident decisions about hiring and spending.
- A forecast that improves each month as it is compared with actuals.
Who this service is for
Seasonal businesses, companies with long customer payment terms, growing teams planning new hires, inventory-heavy e-commerce sellers, and contractors managing several projects at once.
How we work
- Free consultation. A 30-minute call about your business, software and goals.
- Fixed-fee proposal. A written scope and price, usually within 48 hours.
- Onboarding. Secure access to your accounting software, banks and apps, plus any cleanup needed.
- Ongoing delivery. Work completed on a set schedule, with reports and a bookkeeper you can reach.
Frequently asked questions
What is a 13-week cash flow forecast?
It is a week-by-week projection of cash receipts and payments over roughly one quarter. It is short enough to be accurate and long enough to give you time to act.
How often is the forecast updated?
Weekly or every two weeks for most clients, depending on how quickly cash changes in your business.
Can I try a forecast myself first?
Yes. Our free 13-Week Cash Flow Forecast tool lets you build a simple forecast and download it as a CSV.
Is this the same as fractional CFO support?
Forecasting is one part of it. Our fractional CFO services add budgeting, KPI reviews and regular strategy calls.
Related services and resources
AccoTiva provides bookkeeping and accounting support. We do not prepare tax returns or process payroll; we work alongside your CPA or tax advisor.
Talk to us about Cash Flow Forecasting Services
Tell us about your business and current bookkeeping setup. We reply within one business day.