13-Week Cash Flow Forecast Builder

Difficulty: Advanced | Time to implement: 30 min | Saves you: ~3 hrs/week Tools: ChatGPT / Claude

This template builds the single most useful financial instrument a small business can own: a rolling 13-week cash flow forecast — week by week, cash in, cash out, ending balance — that shows you a cash crunch six weeks before it happens instead of six days. It is built for owners who know their P&L says "profitable" but still sweat payroll week, because profit and cash are not the same thing and the bank account is where the truth lives.