Your P&L tells you if you are profitable. This template tells you if you can pay the bills. Profitable businesses go broke every day because they confuse “profit on the books” with “cash in the account.” The 13-week cash flow forecast is the single most valuable financial tool a small business owner can use — and the most ignored.
Download the template — free
This is the same 13-week cash flow forecast our CFO advisory clients use. We built it for Rhode Island and Massachusetts small business owners who are tired of being “profitable on paper but broke in real life.” Download both files below.
- Excel template (.xlsx) — 13 weeks × 22 expense categories × auto-rolling balances. Just fill in your numbers.
- PDF Quick-Start Guide — 2-page guide on how to use it, what to watch for, and what to do when you spot a cash gap.
What’s inside
The full 13-week model
Track weekly opening cash, total cash in, total cash out, net cash flow, and ending balance — all auto-calculated. The ending balance from each week rolls forward to the next week, so you see your full cash position 13 weeks out.
22 cash-out categories, 6 cash-in categories
Pre-built for small business reality: payroll, payroll taxes, owner draws, rent, utilities, materials, subcontractors, insurance, vehicle expenses, software, accounting fees, bank fees, estimated taxes, sales tax, loan payments, and more. Plus cash-in lines for customer payments (current and past-due), cash sales, other income, financing, and owner contributions.
KPI section at the bottom
Auto-calculated: lowest ending balance over 13 weeks, average weekly outflow, weeks of cash on hand at Week 13, and net cash change. The numbers that actually matter.
Who this is for
- Contractors and tradespeople running on thin margins with seasonal cash swings
- Healthcare practices waiting 30–60 days for insurance reimbursements
- Professional services firms billing project work with uneven cash flow
- Any small business owner who has ever asked “how is the business profitable but my bank account is empty?”
Want yours built for real data — and kept current?
This template is a starting point. A working 13-week cash flow forecast pulls live from your bookkeeping, updates weekly, and gets reviewed against actuals. That is exactly what we build for our CFO advisory clients at Tradepoint CFOs.
If you want one built for your business and reviewed monthly with you, schedule a free 30-minute consultation or call (401) 264-8828.
About Tradepoint CFOs
We are a Rhode Island-based bookkeeping, tax preparation, and CFO advisory firm serving small businesses across RI and southern Massachusetts since 2019. Headquartered in Woonsocket, RI, we work with contractors and tradespeople, healthcare practices, and professional services firms throughout the region.
Trying to figure out the right financial help for your business stage? Read our full guide: Bookkeeper vs. CFO Advisor: What Rhode Island Small Businesses Actually Need.
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