Spreadsheet, 13-week rolling
Cash-Flow Planning Template
A 13-week rolling cash-flow template with scenario columns for base, downside and stress cases, plus guidance on the assumptions that make it reliable.
Who this is for
Owners, finance managers and anyone responsible for meeting payroll and supplier payments.
What you get
- A 13-week rolling cash-flow structure with weekly columns.
- Scenario columns for base, downside and stress cases.
- A receipts section built from actual invoices rather than averages.
- A committed spend section for obligations not yet invoiced.
- Guidance on the assumptions that make the forecast reliable.
What is inside
The full contents are set out below, so the resource is useful whether or not you download the file.
1. Opening position
- Opening bank balance by account
- Undrawn facilities and their conditions
- Cash held outside the bank that must be included
2. Receipts
- Expected collections from specific outstanding invoices, with dates
- Contractual and recurring receipts
- Other receipts, each identified separately
- A haircut assumption for late payment, applied explicitly
3. Payments, committed
- Payables falling due, by due date
- Payroll and statutory deductions, by pay date
- Rent, leases and subscriptions
- Tax payments, by due date
- Loan and finance repayments
- Capital expenditure already approved
4. Payments, probable
- Recurring operating costs
- Planned purchases not yet ordered
- Known one-off payments
- A contingency line, sized deliberately rather than optimistically
5. Scenarios
- Base case as planned
- Downside: delayed collections and slower revenue
- Stress: a major customer pays late or a facility is not renewed
- The trigger point at which action is required in each case
6. Review discipline
- Weekly update of actual against forecast
- Variance explanation for any line materially out
- Monthly review in the management pack
- Quarterly re-baselining of assumptions
7. Assumption notes
- Collection assumptions and their basis
- Payment timing assumptions
- Which figures are committed and which are estimates
- What would invalidate the forecast
These resources are general guidance, not advice on your specific circumstances. Where a topic touches on statutory requirements, confirm the current position with a qualified adviser.
Talk to a consultant
The resource explains the method. A consultation applies it to your business — and costs nothing.