13-week cash flow forecast

Why weekly beats monthly here

An annual budget shows the plan by month. A 13-week forecast shows what actually clears the bank, week by week, which matters most when a WPS payroll run, a VAT payment or a supplier deposit all land in the same tight window. We build the model from your actual receivables and payables in QuickBooks Online, Xero or Zoho Books, not from an averaged monthly figure spread across four weeks.

Timing the recurring Saudi payment dates

A VAT return is due by the end of the month following the tax period, monthly above SAR 40 million in annual taxable supplies and quarterly below it. Payroll under the Wage Protection Program clears through Mudad on a fixed monthly cycle, and GOSI contributions follow their own due date. The forecast maps each of these against the weeks money is actually expected in, rather than treating them as one lump adjustment at month end.

Scenario and lender-ready views

We build a scenario view for a slow month, a delayed customer payment, or a larger purchase such as equipment for an AGL, construction or manufacturing project, so you can see the effect on the balance before committing. Where the forecast supports a bank facility application or an existing lender relationship, it is formatted so a relationship manager can read it without a walkthrough call.

Updated weekly, not left to drift

The model is refreshed every week against what actually cleared, with variance called out rather than silently absorbed into the next update. That weekly discipline is what catches a cash squeeze two or three weeks out, while there is still time to delay a purchase, chase a receivable or draw on a facility, rather than finding out the week it happens.