What is a 13-week cash flow forecast?

A 13-week cash flow forecast maps every expected cash inflow and outflow — pay app collections, payroll, vendor payments, LOC draws and payments — week by week for the next 13 weeks. It shows your projected cash balance at the end of each week so problems are visible 8 weeks before they hit the bank account instead of on Friday morning.

What is the difference between the spreadsheet and the done-with-you session?

The spreadsheet is a pre-built template you download and fill in yourself. The done-with-you session is a live working session where Josh builds the forecast with you using your actual numbers — your specific projects, your payroll cycle, your LOC terms. You walk away with a completed, working forecast rather than a blank template.

Who is the Cash Flow Intervention for?

The Cash Flow Intervention is for contractors already in a cash crisis — payroll is stressful, the LOC is maxed or close to it, AR is aging, and the bank balance is unpredictable week to week. It is a triage session, not an ongoing engagement. The goal is to identify the fastest path to cash stability and give you a prioritized action list you can execute immediately.

Do I need to be a CFOS client to use these tools?

No. These tools are available to any commercial subcontractor regardless of whether you are a CFOS client. The spreadsheet and done-with-you session are standalone products. If you go through the intervention and decide you want ongoing support, a CFOS engagement is available — but there is no obligation.

— The Construction CFO

$497.00

13-Week Cash Flow Forecast Done With You

A live working session where Josh builds your 13-week cash flow forecast using your actual numbers.

Not a template. Not a walkthrough of the spreadsheet. Josh shares his screen and builds your forecast live your specific projects, your pay app dates, your payroll cycle, your LOC balance, your vendor payment schedule. You watch it populate in real time with your business's actual data.

What happens in the session:

Overhead Calculator completed with your real fixed costs so your forecast is built on an accurate overhead baseline
All active projects mapped to their expected payment dates based on your actual billing cycle and GC payment patterns
Payroll schedule entered at your real weekly amount
LOC terms, loan payments, and recurring vendor payments mapped to the weeks they actually hit
"Don't Let Cash Go Below" floor set to your minimum the forecast flags every week you're approaching it
Red cells identified and explained if a cash problem is coming, you'll see exactly which week, how big, and what's causing it

At the end of the session you have: A completed, working 13-week cash flow forecast specific to your business. Not a blank template to figure out yourself your actual numbers, your actual projects, your actual cash position mapped 13 weeks out.

Session runs 60–90 minutes over Zoom. Scheduled within 48 hours of purchase. Send your project list, current LOC balance, and weekly payroll amount beforehand and Josh will have the framework ready before the call starts.