Cash Flow Forecasting
See a cash shortfall months before it happens.
A 6–12 month cash flow forecast for small businesses in Logan, Cache Valley, and Northern Utah, with bear, base, and bull cases side by side.
A cash flow forecast shows where your cash balance is headed, month by month, over the next 6–12 months. We build one around how your business actually runs, with bear, base, and bull cases side by side, so you can see a shortfall coming and time big expenses with confidence.
Is it a fit?
Signs you need one.
- The business is profitable on paper, but cash still gets tight at certain times of year.
- You buy inventory, equipment, or materials before the revenue for them comes in.
- You lean on a line of credit and aren’t sure how close you are to its limits.
- You want to hire, expand, or take on debt and need to know if cash can carry it.
- Your bank wants projections.
What you get
A forecast you can actually use.
- 12‑month forecastMonth by month, built from your actual history and plans, not a template.
- Bear, base, bullThree scenarios side by side, so you see the range instead of one guess.
- Limit checksTested against your minimum cash target, loan covenants, and credit line.
- Excel workbookEvery figure and chart is linked. Change an assumption and it all updates.
- Walkthrough callA plain‑language summary of what it says and what to do about it.
How it works
From your numbers to a plan.
- 1Share your numbers12–24 months of financials from QuickBooks or Xero, plus cash and loan balances.
- 2Talk through what’s aheadSeasonality, planned purchases, hires, and anything else that moves cash.
- 3We build and testThree scenarios, checked against the limits that matter to you.
- 4WalkthroughWe go through what the forecast says and what to do now.
Built for seasonal Cache Valley businesses.
Trades, landscaping, construction, retail, and agriculture‑adjacent businesses here run on hard seasons. Equipment and materials get bought before the busy months, and winter can stretch cash thin. A forecast turns that pattern into specific numbers: how low cash gets, in which month, and what you can do now to soften it.
See a sample
A forecast workbook, tab by tab.
From a sample 12‑month forecast for a regional HVAC contractor. Illustrative figures. Swipe through or tap a slide to enlarge it.
How it’s priced
Fixed project price
Set in a written proposal with a delivery date before any work starts. Want it kept current? Monthly updates are part of the Growth Partner retainer.
Get a quoteQuestions
Common questions.
What is a cash flow forecast?
A month‑by‑month projection of the cash coming into and going out of your business over the next 6–12 months. It shows your expected ending cash each month, so you can see a tight stretch before you're in it.
How is that different from my P&L?
Your profit and loss shows whether you made money. A cash forecast shows when the money actually arrives and leaves. A profitable business can still run short of cash when it buys inventory ahead of a season, waits on slow-paying customers, or makes loan payments.
What do you need from me?
Usually 12–24 months of financials from QuickBooks or Xero, your current cash and loan balances, and a conversation about what's coming: seasonality, planned purchases, hires, and anything else that moves cash.
How long does it take?
It depends on how clean the starting numbers are and how many scenarios you want to test. You'll get a delivery date in the written proposal before any work starts.
Can you keep it updated?
Yes. A monthly forecast update is part of our Growth Partner retainer, or you can keep the workbook and update it yourself.
Keep exploring
Related services and guides.
Not sure where to start?
Tell us what you're trying to figure out. One short call is enough to know whether we're the right fit, and there's no cost or commitment to have it.