Weekly cash flow forecasting — that's all we do

Know your cash position. Thirteen weeks out.

Profitable companies still miss payroll. We make sure yours sees the tight week coming a month before it hits — with a rolling 13-week forecast, updated every single week, built for how your industry actually gets paid.

13-Week Cash PositionUpdated Monday
minimum cash target Week 7: act now W1W4W7W10W13
Your ending cash, week by week. Red means we act now — not in week 7.
13 weeksof forward visibility
30 minutesof your Monday, max
Zerosoftware for you to learn
The problem

Your P&L says you're fine.
Your bank account disagrees.

If your invoices are large and your payment timing is lumpy — draws, settlements, net-45 freight — monthly financials arrive too late to save you. Cash problems happen in weeks, not months.

The Friday squeeze

Payroll clears every week no matter what. Your customers pay when they pay. The gap between those two sentences is where businesses die.

Backward-looking books

Your bookkeeper tells you what happened last month. Nobody is telling you what happens three Fridays from now.

Decisions made blind

Take the job? Buy the truck? Delay the sub payment? Draw on the line? Without a forward cash picture, every answer is a guess.

How it works

One call a week. Zero homework.

We pull the data, do the reconciliation, and build the forecast. You spend 15–30 minutes on Monday confirming what's coming — the part no software can know.

1

Connect

Read-only bank feeds and your accounting file. Set up once during onboarding. We can't move money — we can only see it.

2

We build your model

A 13-week forecast built on your industry's template — retainage, settlements, factoring, draws — then tuned to your business.

3

Monday call

15–30 minutes. We confirm what changed, what's landing, and the one decision this week needs. You'll have the draft report before we dial.

4

Your report, same day

Where cash stands, the 13-week outlook, what's spiking and why, and the weeks that need action — flagged in red, weeks in advance.

Industries

Built for businesses with big invoices and lumpy cash

Generic tools treat every dollar the same. We forecast the way your industry actually pays: pay apps, settlements, factoring schedules, seasonal inventory builds. For businesses doing $1M+ a year.

Pricing

Two ways to work with us.

Every engagement starts with one-time onboarding ($1,000): we connect your accounts (read-only), build your custom industry model, and run your first forecast with you.

Forecast

$500/mo

Your cash position, watched weekly.

  • Rolling 13-week forecast, updated weekly
  • Weekly report with red-week alerts, weeks in advance
  • Live call every other week, video walkthroughs between
  • What's spiking & why — variance analysis
  • Email support (1 business day)
Start with Forecast
The full partner

Direction

$1,000/mo

A finance partner on call.

  • Everything in Forecast — with a live call every Monday
  • Decision modeling on demand: any "can we afford it?" answered from your own numbers within 48 hours
  • Monthly 60-minute direction call — the decision docket, owner pay, the metric that matters
  • Owner pay plan & tax set-aside system — no more surprise quarterlies
  • Lender & covenant reporting, bank-ready every month
  • In your corner for banker, CPA & big-contract conversations
  • Quarterly planning & scenario sessions
Start with Direction

On Demand

Quoted per project

Specific requests, scoped and priced up front.

  • Lender, renewal & bonding packages
  • Working capital deep-dives — find the cash trapped in AR, AP & inventory
  • Scenario builds: acquisition, expansion, new location, big equipment
  • One-off cash diagnostics for a business you're buying or worried about
  • If it's about cash, ask — we'll quote it before we touch it
Tell us what you need

Month to month, no annual contracts. If the service isn't covering its own fee in found cash and avoided mistakes, we'll tell you to cancel ourselves.

Why "Thirteen Weeks"?

Named for the tool that saves companies.

When a company's survival is on the line, the first thing a turnaround CFO builds is a 13-week cash flow forecast — one quarter of week-by-week visibility, short enough to be accurate, long enough to act. We think you deserve that discipline before the trouble, not after. So we named the firm after the tool.

We read the past

Every week starts with what actually happened: bank-verified, to the dollar, no wishful thinking. What you billed doesn't matter. What landed does.

We see the future

A rolling 13-week forecast — the same instrument turnaround CFOs reach for in a crisis, applied to your business before there is one.

We do nothing else

Founded by Walt Hernandez. No bookkeeping, no taxes, no audits. One firm, one job: your cash position, now and thirteen weeks out.

FAQ

Fair questions

What do you need from us each week?

About five minutes of forward-looking answers — expected settlements, upcoming draws, new hires, big purchases. Everything backward-looking we pull automatically from read-only feeds. If you skip a week, the forecast still updates; it's just sharper when you don't.

Do you replace our bookkeeper or CPA?

No — we sit on top of them. Your bookkeeper records the past; your CPA handles taxes. We handle the next 13 weeks. Clean books make our forecast better, and we'll happily coordinate with your existing team.

Is our financial data safe?

Connections are read-only through the same encrypted aggregation used by major banking apps. We cannot move money, pay bills, or change anything in your accounts. Your data is never sold or shared.

What if our books are a mess?

Common, and survivable. Onboarding includes a cash-level cleanup — we forecast from bank activity, so we can start delivering value even while the books catch up.

Are we locked into a contract?

Month to month after onboarding. Most clients stay because Monday without the forecast starts to feel like driving without a fuel gauge.

Get started

Talk to us before your next tight week

A 20-minute intro call. We look at your situation, tell you honestly whether weekly forecasting will pay for itself, and show you a live example.

Book a call

Pick a time that works. This is the fastest path.

Schedule now

Email

We reply within one business day.

walt@thirteenweeks.io

Urgent cash issue?

Existing clients and time-sensitive situations.

(555) 555-0113