『Week 6. Rolling Cashflow Forecast: Steering Business Finances Proactively』のカバーアート

Week 6. Rolling Cashflow Forecast: Steering Business Finances Proactively

Week 6. Rolling Cashflow Forecast: Steering Business Finances Proactively

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 Cashflow is one of those topics that every owner knows is important but often treats like a quick glance at the bank account balance. The problem with that approach is it’s reactive. You see money in the account and think you’re fine—until payroll, vendor payments, and tax deadlines all hit at once and suddenly you’re scrambling. A rolling cashflow forecast flips that script. Instead of guessing, you can see exactly what’s coming in and going out over the next 12 weeks. You’re not just looking at where you are today—you’re projecting forward so you can make decisions before things get tight. Here’s the big mental shift: cashflow isn’t just a finance department thing. As the owner, you need to understand how cash actually moves through your business. You need to know when a big client payment will hit, how long it takes for invoices to get paid, and when your largest expenses typically fall. That awareness is what lets you pull the right levers early—whether that’s speeding up receivables, delaying a non-critical expense, or adjusting your sales push. One agency I worked with started tracking their rolling 12-week cashflow after a near-miss where they almost couldn’t cover payroll. Within two months, they spotted a future dip six weeks in advance and landed a short-term project to bridge the gap. That single proactive move avoided a potential crisis and gave the owner real peace of mind. Setting up your forecast doesn’t have to be complicated. It can be as simple as a spreadsheet with weeks across the top, expected inflows and outflows listed underneath, and a running balance that updates as you add numbers. The key is updating it weekly—every Monday morning, for example—so it’s always fresh. Over time, you’ll start seeing patterns. You might notice that March and September are always tighter months or that a particular client consistently pays late. That’s information you can act on. The other benefit is confidence. When you know what’s coming, you stop making fear-based decisions. You can commit to investments because you’ve seen the numbers and you know the timing works. You’re not flying blind—you’re steering with a clear map. What you’ll be focusing on this week is building a simple 12-week rolling cashflow template, plugging in your known inflows and outflows, and getting in the habit of updating it every week. By the end of the week, you’ll have a forward-looking view of your agency’s cash position so you can make smarter, calmer decisions.
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