Free template
The 13-Week Cash Flow Forecast lenders ask for — free.
A week-by-week view of the cash coming in and going out over the next quarter. It's one of the first things a lender asks for when cash is tight or a loan is on the table, and most owners have never built one.
This template gives you the full structure, a filled-in example, and a one-page summary written the way a banker reads it. It works in Excel, Google Sheets and Apple Numbers.
Built by a banker with 25+ years in credit — so you see your numbers the way a lender does.
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Educational tool — not financial, tax or legal advice.
What's inside
Everything a lender expects in a short-term cash forecast
- SetupPick your first week, opening cash and the cushion you never want to drop below. All 13 week dates fill in for you.
- ForecastCash in and cash out by week, with beginning and ending cash. Any week below your cushion turns red.
- Actuals & VarianceEnter what really happened and see where the forecast was off, so the next one gets sharper.
- Lender SummaryLowest cash week, weeks below your cushion and total net cash flow, with a one-line read-out in plain English.
- Filled-in exampleA fictional business, worked all the way through, so you can see how every tab fits together.
Why it matters
Lenders lend against cash, not hope
A 13-week forecast shows a lender you know exactly when cash gets tight and what you'll do about it. Building one before you ask for money also shows you whether you need to borrow at all — and how much.