Dallas, Texas. One desk, one phone number.

What a 13 week cash flow is, and what it actually changes

Thirteen weeks is a quarter seen one week at a time. It is the only view that tells an owner the exact week something gets tight, while there is still room to move.

Why thirteen

13

Thirteen weeks is one quarter, and a quarter is about as far out as a week by week view stays honest for a business that invoices and collects. Past thirteen weeks the receipts become assumptions and the view starts telling you what you hoped rather than what is coming.

Under thirteen weeks it is too short to change anything. A payroll you can see three weeks out is a problem. The same payroll seen eleven weeks out is a decision.

What the sheet reads from
01 of 07Opening balanceThe actual cleared bank balance, not the book balance
02 of 07most errorsReceiptsCleared collection history by customer, not the invoice date
03 of 07Payroll and payroll taxesFrom the provider's own calendar, to the day
04 of 07Fixed outflowsRent, notes, insurance, software, on their real dates
05 of 07Variable outflowsSupplier terms as they are actually paid, not as agreed
06 of 07Tax paymentsEstimates and franchise, on the dates they fall
07 of 07Closing balance by weekThe line the whole sheet exists to show
The inputs a thirteen week view is built from. Receipts are marked because building them from invoice dates rather than from collection history is the single most common reason a cash forecast is wrong.

How accurate it really is

Week one and week two are close to exact, because most of it has already happened. Weeks three through six are good if the collection history is real. Weeks seven through thirteen are directional, and their job is not precision. Their job is to show you the week the line dips, so you can move something in week four instead of finding out in week nine.

Accuracy also depends on the thing underneath it. A thirteen week view built on a month that was never closed is arithmetic on numbers nobody has checked.

The two decisions it changes most often

The first is the timing of a hire. The dip is almost never where an owner expects, and moving a start date by three weeks is usually free. The second is whether to draw or leave it in. Seeing the same quarter with and without an owner draw on it ends that argument in about four minutes.

What people read next

Ask for a thirteen week view built from your last three months

Owners arrive here wanting a template and leave wanting the thing underneath it, which is a month that closes on time so the forecast is built on something true.

What gets handed over is the closed month and the October number, and the return is prepared at the same desk. The sheet arrives on a screen you already open, updated while you watch.

You will be talking to the Steven Palmieri practice.