The 13-Week Cash-Flow and Working-Capital Sheet

A profitable business can still run out of cash. Customers pay in 45 days, suppliers want paying in 30, and payroll lands every other Friday whether the invoices have cleared or not.

This free 5-page guide shows you how to build a 13-week cash-flow forecast in a spreadsheet, in an afternoon, from reports your accounting software already produces. You enter real cash in and real cash out, week by week, and an alert row flags any week where your balance drops below the minimum you've set.

The second half covers the working-capital numbers that explain why cash gets tight: DSO, DIO, DPO, the cash conversion cycle, and the current and quick ratios. Each one comes with its formula and a plain reading of what it tells you.

Inside:

• The row-by-row layout, and which report feeds each row (AR aging, AP aging, your payroll calendar, bank statements)
• Four rules that keep the forecast honest, such as forecasting collections from your AR aging instead of your sales
• A worked cash-conversion-cycle example
• Warning signs, like DSO climbing two quarters in a row
• The levers that move each number

It's written for owners, bookkeepers and office managers at small businesses, agencies and law firms who want to see a shortfall while there's still time to do something about it.

It's free. Enter $0, or pay what you like, and the download link is emailed to you.

General education, not financial, tax or accounting advice. Talk to your accountant before making financing decisions.

Made by AmagiLabs (amagilabs.ai).