Virtual CFO
13-week cash flow forecast
A 13-week cash flow forecast tracks what actually clears an Australian business's bank account week by week, factoring in GST paid on BAS cycles and superannuation timing, so a tight week is visible early enough to act on rather than react to.
13-week cash forecast
Illustrative client · August 2026
AUD
- Cash today
- $244,220
- Lowest week ahead
- 239,800
- Largest outflow
- Payroll, 46,300
Illustrative. An example of the document, not a client's figures.
Why weekly, not monthly
A monthly budget shows whether the year is broadly on track. It does not show whether wages and superannuation clear on payday if a client pays three days late. A 13-week cash flow forecast works in weeks because that is the unit an Australian business actually runs short of cash in.
What the model accounts for
We build the model from your actual receivables and payables ageing, your bank balance, and the items that hit on a fixed date regardless of trading: quarterly or monthly BAS payments, compulsory superannuation contributions (moving to payday timing under Payday Super from 1 July 2026), PAYG withholding, and any loan or lease payments.
Checked against what actually happened
Each week the forecast is compared against what actually cleared the bank, and the gap between forecast and actual gets explained rather than left alone, which is what keeps the model trustworthy 13 weeks out rather than only for the first fortnight.
Where it matters most
Seasonal businesses, and anyone waiting on progress payments or a BAS refund, get the most from a rolling weekly view. It also becomes the working document behind a bank line conversation. This pairs with lender covenant reporting where a facility requires it, and with budgeting for the annual view sitting behind it.
Prepared under senior review
The model is built and maintained by our team, with every weekly update under senior principal review before it reaches you and your lender or investor.
Questions
Frequently asked questions: 13-week cash flow forecast
How far ahead can a 13-week forecast warn us of a cash problem?
The model is rebuilt weekly and looks 13 weeks ahead, so a tight week is usually visible well before it arrives.
Does the forecast include our BAS and super payment dates?
Yes. Quarterly or monthly BAS due dates and compulsory superannuation timing are built in as fixed outflows on the calendar, not an afterthought.
Do you need our bank login to build this?
Read only bank access or connected feeds inside Xero, MYOB or QuickBooks Online are enough. We do not need the ability to move money.
Is this worth doing if we are not short of cash right now?
Yes. Fast growing businesses often hit a cash timing gap before they hit a profitability problem, and the forecast catches that early rather than at the point wages are due.
Who signs off on the forecast before it is used for a decision?
You do. We build and update the model; any decision made using it, such as a payment run or a funding conversation, is one your management makes with the numbers in front of them.
How is a 13-week forecast different from a budget?
A budget is an annual plan by month. A 13-week forecast tracks actual cash in and out by week, which is what matters when cash is tight or growth is fast.
What do you need from us to build it?
Bank access, your accounts receivable and payable aging, and a list of known upcoming payments such as payroll, rent and loan payments.
How often is it updated?
Weekly, so the model always reflects what actually cleared the bank rather than drifting from reality.
How is 13-week cash flow forecast priced?
Pricing for 13-week cash flow forecast depends on your transaction volume, the software you use, and how much cleanup is needed before ongoing work starts. Current ranges are published on the pricing page, and your exact fee is confirmed in writing before anything begins.
Related services
- Virtual CFOFractional CFOA senior finance lead who works your numbers on a part-time basis: monthly reviews, board and investor prep, and a second opinion before a big decision.
- Virtual CFOLender covenant reportingRecurring reports built to your loan agreement's exact definitions, delivered on the schedule your lender requires, so a covenant test never comes as a surprise.
- Virtual CFOBudgetingAn annual budget built from your real numbers, broken out by month and department, that becomes the baseline every later report is measured against.
Industries
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.