13WeekForecast13-Week Cash Flow Forecast Software for
Short-Term Cash Decisions
See when money comes in, when bills are due, where cash gets tight, and what to do next with a rolling 13-week cash flow forecast.
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|Book a guided tourCurrent Cash
$125,000
AR Outstanding
$93,500
AP Due
$54,550
13-Week Cash Forecast
AI Recommendation
Defer 3 vendor payments to Week 6 to maintain $50K+ buffer
Built for Businesses That Manage Real Cash Flow Complexity
Whether you're managing retainage, juggling project-based payments, or just need better visibility—we've got you covered.
Contractors
Retainage tracking, project billing, subcontractor payments
Trades & Services
Recurring jobs, seasonal cash flow, equipment payments
Professional Services
Milestone billing, retainer management, payroll cycles
Small Businesses
AR/AP aging, vendor management, growth planning
Everything You Need for Cash Flow Clarity
13-Week Rolling Forecast
See your complete cash picture for the next quarter, updated weekly with actual results.
Smart AR & AP Tracking
Import your aging reports and let AI predict when customers will actually pay.
AI-Powered Optimization
Get intelligent recommendations on which bills to defer and when to accelerate payments.
Automated Payroll Tracking
Import payroll history once and the system automatically forecasts future payrolls.
Forecast Accuracy Tracking
Learn from variances to improve your forecasting and cash management over time.
Line of Credit Management
Automatically track draws and repayments to minimize interest costs.
Simple Weekly Process
Update Bank Balance
Enter your current cash position
Import AR & AP
Upload aging reports from QuickBooks
Review Recurring Items
Confirm payroll and subscriptions
View Forecast
See 13-week rolling cash forecast
See It in Action
Watch how 13WeekForecast gives you a complete picture of your cash position in minutes — not hours.
Every View You Need, Nothing You Don't
Purpose-built for small business owners who need real answers, not more spreadsheets.
Know Your Cash Position at a Glance
The Executive Dashboard gives you an instant read on current cash, your lowest projected balance, and exactly what actions need to be taken — without digging through reports.
- Current cash balance updated weekly
- Lowest cash point flagged automatically
- Actionable next steps always visible
See the Next 13 Weeks, Week by Week
A visual, color-coded bar chart shows every week's inflows and outflows, with your cash balance trending over the full quarter. Reserve goals and minimum thresholds are always visible so you know exactly when you're at risk.
- AR collections, payroll & AP all in one view
- Reserve goal & minimum cash lines
- Export for client or lender presentations
Spot Pressure Weeks Before They Hit
Green bars mean cash is coming in. Red bars mean cash is going out. Hover any week for a full breakdown of beginning balance, net flow, and ending cash — so you always know where the pressure is.
- Instant visual of positive vs. negative weeks
- Interactive tooltips with full detail
- Line of credit usage tracked automatically
Four Decision Lanes — Always Clear
Cash timing, collections, payments, and strategy — each with its own dashboard card so leadership always knows what needs attention and what to do next.
Cash Timing
When does pressure peak?
Collections
Which invoices need follow-up?
Payments
Which bills can wait?
Strategy
Ready to model scenarios?
Drag & Drop Payment Timing
Arrange invoices and bills across 13 weeks by dragging them into the right time slot. Ending cash is recalculated instantly so you see the impact before committing.
Smart AP Aging & Vendor Control
Import your AP aging report and the system automatically assigns payment weeks based on vendor terms. Critical vendors are protected; non-critical bills are stretched to optimize cash.
5 min
Weekly update time
13 weeks
Rolling forecast visibility
24/7
Real-time cash insights
What Is a 13-Week Cash Flow Forecast?
A 13-week cash flow forecast is a short-term financial planning tool that projects cash coming in and cash going out week by week for the next quarter. Businesses use it to see when cash may get tight, plan payments, follow up on receivables, and make better weekly cash decisions.
Spreadsheet vs. 13-Week Forecast Software
Spreadsheets can work for a simple forecast, but they often break down when AR, AP, bank balances, recurring payments, and weekly updates change. 13WeekForecast helps organize those moving parts in one workflow so the forecast is easier to update, review, and act on.
Frequently Asked Questions
Everything you need to know about 13-week cash flow forecasting and 13WeekForecast.
What is a 13-week cash flow forecast?
A 13-week cash flow forecast is a short-term financial planning tool that projects your cash inflows and outflows week-by-week for the next quarter. It helps businesses predict cash shortfalls, plan payments, and maintain adequate liquidity.
Who should use 13WeekForecast?
13WeekForecast is designed for small business owners, contractors, professional service firms, advisors, bookkeepers, CFOs, and lenders who need accurate short-term cash flow visibility.
Is this only for small businesses?
No. While optimized for small businesses, 13WeekForecast is used by businesses of all sizes, financial advisors managing multiple clients, and lenders reviewing borrower cash positions.
How does 13WeekForecast help prevent cash shortfalls?
By showing your projected cash balance week-by-week, 13WeekForecast flags weeks where cash may run low. AI recommendations suggest which bills to defer or which invoices to accelerate to maintain your target cash buffer.
Can it replace a spreadsheet?
Yes. 13WeekForecast automates what spreadsheets do manually: importing AR/AP data, calculating weekly cash flows, tracking actuals vs. forecast, and providing AI-powered optimization recommendations.
Does it use accounts receivable and accounts payable?
Yes. You import AR and AP aging reports from your accounting system, and 13WeekForecast automatically predicts collection and payment timing based on customer and vendor behavior.
Does it support weekly updates?
Yes. The system is built around a simple weekly process: update bank balance, import AR/AP, confirm recurring items, and review your updated 13-week forecast.
What makes it different from a budget?
A budget is an annual plan for income and expenses. A 13-week cash flow forecast tracks actual cash timing—when money hits your bank account and when bills clear—giving you near-term liquidity visibility.
Is this cash flow forecasting software or accounting software?
13WeekForecast is cash flow forecasting software, not accounting software. It integrates with your existing accounting system (QuickBooks, Xero, etc.) to provide forward-looking cash projections.
Can advisors use it with clients?
Yes. Financial advisors, bookkeepers, and CFOs can manage multiple client companies, each with separate forecasts, dashboards, and reporting.
Cash Flow Mike / Clear Path to Cash Ecosystem
Trusted by Cash-Flow Advisors and Industry Leaders
13WeekForecast is part of the Cash Flow Mike ecosystem, built around practical cash-flow conversations, short-term visibility, and tools advisors use when clients need direction.
I've known Mike Milan for many years now. I've had him on each of my podcasts and I've worked with him on many projects over the years. I have worked with many many people over the past 20 years and Mike is one of those rare guys with an incredibly high level of integrity and absolutely no BS. He gives it to you straight, and you always know where you stand with him. Oh and he actually knows his $#%^! So there's that!
Mike has lived the life of an entrepreneur for decades and knows first-hand how tough the journey is for virtually everyone. He's known as 'Cash Flow Mike' because he understands how critical cash flow is for a business and how proper financial management is the key to not only survival, but growth. He has an incredible ability to share his knowledge in an engaging and clear way that translates to the business-owner mindset. Any time spent with Mike will not only move your business forward, but it could be the difference between failing and thriving.
I have known Mike for several years, but did not really understand his depth of knowledge on "cash flow" and business financing until I had him as a guest on my podcast and on a couple of webinars. He's a great teacher and very knowledgeable on the topic. I guess that's why he's "Cash Flow Mike"!
The training provided by Cash Flow Mike allows bankers to work through real world scenarios in a training environment. The training results in the bankers having increased confidence when in front of clients and prospects!
I have worked with Mike for years and have found him to be an extremely knowledgeable and effective – and entertaining – instructor. Mike’s expertise with cash flow is rivaled only by his ability to make the subject matter fun and easy to understand.
You don't call yourself 'Cash Flow Mike' for nothing, it is literally who you are and, specifically, who Mike is. I've seen proven time and again, Mike knows his stuff, knows cash flow tools and tactics as well as what firm and business leaders often get wrong or ignore in this crucial process.
Testimonials shown here are from the Cash Flow Mike / Clear Path to Cash ecosystem. Individual results vary, and testimonials should not be interpreted as financial, tax, legal, lending, accounting, or investment advice.
Ready to see your next 13 weeks more clearly?