13-week cash flow forecast

Weekly cash, not an annual guess

A budget tells you what a typical month should look like. It does not tell you that a business registration renewal, a provisional profits tax instalment and a supplier payment all land in the same week. A 13-week rolling forecast tracks actual cash in and cash out by week, built from your bank feed rather than an assumption, which is what matters when a Hong Kong company is managing multi-currency receipts in HKD, USD and RMB at once.

Built around Hong Kong's own payment calendar

Hong Kong's provisional profits tax is paid in two instalments rather than one lump sum: roughly three quarters of the prior year's assessed tax falls due with the final payment, and the remaining quarter follows about three months later. The Business Registration Certificate renewal fee is due every one or three years depending on the certificate held, and Mandatory Provident Fund contributions fall due monthly for every eligible employee. A forecast that treats these as one-off surprises rather than scheduled weekly outflows is the reason cash looks fine until suddenly it is not.

What goes into the model

We build the rolling 13-week view from your accounts receivable and payable ageing, your bank and card feeds, and known upcoming payments including MPF, payroll, rent and any facility repayment. Multi-currency inflows are converted at a consistent rate so the forecast reflects real Hong Kong dollar cash, not an optimistic exchange assumption. A weekly variance review compares what the model expected against what actually cleared the bank, so the next forecast gets sharper rather than drifting.

A format a lender or investor can read

The output is built to be handed to a bank or investor without a walkthrough: a clean weekly grid, a running balance, and a flag on any week that runs low before it happens rather than after.