A 13-week method you can run in a spreadsheet.
Start with the bank balance
Begin with cash on hand today, not accounting profit.
List expected receipts
Use realistic collection dates, not invoice dates.
List payments
Payroll, rent, taxes, suppliers and loan instalments by date.
Review every week
Update actuals and roll the forecast forward by one week.
Key takeaway. Profit can look healthy while cash runs out; a forecast shows the gap early.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.