For UK founder-led businesses
CompleteCashClarity. A 13-week rolling cashflow forecast used to make decisions.
Built around the key drivers of your business and refreshed every two weeks, with base, best and worst case scenarios. So you can always see what is coming up, where cash pressure may arise and what decisions need to be made early on.
The problem
You know what is in the bank today. But not how long it will last.
Cashflow becomes difficult to manage when you can see the balance but not the timing behind it — what's coming in and what's going out, and what needs to be planned for.
-
01
You only know the current cash balance.
→ You can see what is in the bank today but it does not show what is due, what is delayed, and what is coming next.
-
02
Decisions stall because the runway is unclear.
→ It becomes harder to make calls on hiring, spending or investing when you do not know what cash looks like ahead.
-
03
Cash pressures appear suddenly.
→ Tax demands, payroll, supplier payments and delayed receipts can all land close together, even when the business is doing well.
-
04
Forecasting only happens when cash feels tight.
→ It gets built quickly, used for a short time, then falls out of date because it is not part of the regular finance rhythm.
Where cashflow becomes unclear
Cashflow is hard to manage when the view is too short.
The issue is not always a lack of cash. It is often the lack of a clear, updated view of timing — when money is due yet late, when payments need to go out but urgently and what impact that has on business decisions.
-
You know what cash looks like this week, but not much further ahead.
-
Expected payments still create pressure because the timing is not properly mapped out.
-
The forecast is rebuilt from scratch instead of being maintained regularly.
-
Decisions get delayed because there is no clear view of available runway.
-
Cashflow is checked reactively, usually when something already feels tight.
-
One missed receipt can quickly change what the business can afford to do.
What this means for you
Cash clarity, quarterly.
A 13 week view of expected receipts, payments, and available runway, built around the decisions the business needs to make. It is based on the drivers that actually move cash, refreshed regularly and used to understand timings, opportunity costs and where action may be needed.
What we cover
What your forecast includes.
-
13-week rolling forecast
A Bi-weekly view of expected receipts and payments across the next quarter.
-
Base, best, and worst case
Three scenarios showing the expected position, the upside, and where cash may become tight.
-
Driver-based assumptions
Built around the inputs that actually move cash, such as including sales, collections, payroll, tax, supplier payments, and planned spend.
-
What-if scenario modelling
Model the impact of delayed income, higher costs, or planned decisions before they happen.
-
Runway tracking
How long cash is expected to last under each scenario.
-
Bi-Weekly cash report
A short summary of what changed, what needs attention, and what decisions may need to be made.
Compare your options
How our rolling forecast compares to the alternatives.
Most founder-led businesses cycle through bank-balance checks and spreadsheets before the process becomes too manual. Here's the gap a proper forecast fills.
Bank balance check
- Forward horizon
- Today's balance
- Update cadence
- Ad Hoc
- Scenarios modelled
- None
- Decision commentary
- None
- Cost (typical UK)
- Free
- Best fit
- Early Stage
Spreadsheet forecast
- Forward horizon
- A few weeks if maintained
- Update cadence
- When someone has time
- Scenarios modelled
- Usually limited
- Decision commentary
- Limited
- Cost (typical UK)
- Internal time cost
- Best fit
- Simple cashflow needs
13-Week Cashflow Forecast
- Forward horizon
- 13 weeks, rolling
- Update cadence
- Bi-Weekly
- Scenarios modelled
- Base, best, worst
- Decision commentary
- Short cash note
- Cost (typical UK)
- Scope-based monthly fee
- Best fit
- Growing founder led businesses
In-house finance team
- Forward horizon
- 13+ weeks
- Update cadence
- Regular
- Scenarios modelled
- Multiple Scenarios
- Decision commentary
- Yes
- Cost (typical UK)
- Salary £70k+ / yr
- Best fit
- Larger, complex businesses
The output
What you receive every month.
Each month, you will receive an updated forecast and a short summary of what has changed. The focus is on the numbers that matter, the timing to watch and any decisions that need to be made.
- Rolling 13-week cash projection
- Base, best, and worst case scenarios
- Runway, tax, and covenant watchpoints
- Notes on what changed and what may need action
13-week cash forecast
Week 20 — Acme Studio Ltd.
Opening cash
£612k
Net change · 13w
−£64k
Min cash · base
£540k
Runway
11.4 mo
This week's note
- Worst case dips to £482k by week 30 — within tolerance but tightening.
- Acme retainer renewal (£28k/mo) flips base case from −£64k to +£18k.
The promise
Cash, a quarter ahead.
“Not a one-off spreadsheet. A forecast the business can keep using, Refreshed regularly, scenario tested, and built around the cash movements that matter.”
Senior advisor
Enting Man
Founder, Cunos Consulting
Senior advisor
Cash rarely becomes difficult because of single one number, or one single event. It usually boils down to timing — receipts moving, payments landing together, or decisions being made without a clear enough view ahead.
A 13-week forecast keeps that view current. It shows what has changed, what needs attention, and whether the business has enough room for the decisions in front of it.
From what I’ve seen, cash problems are rarely just about not having enough money. More often, they come from not seeing working capital clearly enough, and spotting the issue too late.
Enting Man
Founder, Cunos Consulting
Who this is for
If this sounds like you,
the fit is good.
The 13-Week Cashflow Forecast is designed for businesses where cash isn't infinite — so every spending and hiring decision matters. Especially useful if you've moved past basic bookkeeping, but a full-time finance team is still some way off.
You may have
- A high growth founder-led business
- Some kind of forecast — usually a spreadsheet, sometimes nothing.
- A cash position that requires active attention.
- Big decisions (hires, fundraise, pricing) on the table.
But now need
- A forecast you trust enough to make decisions on.
- Weekly visibility — not quarterly fire-drills.
- Scenarios modelled in minutes, not days.
- Confidence the next 13 weeks won't blindside you.
How we work
Three steps to building a forecast and how we keep it current.
-
Weeks 1–2 01 / 03
Set up the forecast
We start with the accounting data, historical cash movements, and the main drivers behind cash. The forecast is then built around how the business works.
-
Weeks 3–4 02 / 03
Build the scenarios
We add base, best, and worst-case views, including runway, tax timing, key payments, and the areas that need watching.
-
Ongoing 03 / 03
Update and review
The forecast is kept up to date, with a short note on what changed, what needs attention, and what decisions may need to be made.
Cadence
Monthly retained
Commitment
Rolling · no lock-in
Pricing
Scope-based — shared after the review
-
Accurate enough to drive real decisions. The first 4–6 weeks are typically within a few percent because most receipts and payments are already booked. The latter half flexes more, which is why we run scenarios.
-
13 weeks is one quarter — long enough to spot tight points and plan around them, short enough that the forecast stays grounded in actual receivables and payables rather than guesses.
-
Yes — we typically plug into Xero, QuickBooks, NetSuite, or whatever you run on. The forecast is built around your real chart of accounts and historic patterns.
-
A standard cashflow statement looks backward. This is forward-looking, weekly, and decision-oriented. It is about what cash is going to do, not what it has done.
-
Scope-based monthly retainer. Agreed after the initial review based on cadence and complexity. Rolling month-to-month — no lock-in.
-
Yes. The base/best/worst structure is built for exactly this. We model funding rounds, acquisitions, exit scenarios, or simply “what happens if we delay this hire by a quarter” — and the impact on cash is visible immediately.
-
Realistically, it usually is at this stage — that’s part of why founders engage us. The first two weeks include a light clean-up of the chart of accounts so the forecast is built on data you can trust. We do not require perfect data to start.
-
Yes — we model multi-entity and multi-currency where it matters. The 13-week view consolidates all bank accounts and currencies into a single base-currency picture, with the option to drill down per entity.
Next step
Want to see the next 13 weeks?
Book a 30-minute finance review. We'll look at your current cash setup, what's stretched, and how a real forecast would change the decisions on your desk this quarter.