Know Your Cash Position 30, 60, and 90 Days Out
A profitable month and an empty bank account can be the same month — every growing business learns that eventually. Cash flow forecasting gives small business owners the view that ends the guessing: what's coming in, what's going out, and exactly when the two cross.
From Bank-Balance Guessing to a Working Forecast
The Bank Balance Was Never the Whole Story
Owners tell us cash is the thing that wakes them up — not sales, not competition, cash. The frustrating part is that the money usually exists; it's just tied up where they can't see it. Deposits out with suppliers, retainage held on finished work, receivables aging past forty days, tax payments landing in the same week as payroll. A forecast doesn't create cash. It shows you where yours is stuck — which is usually enough.
What a 90-Day View Changes
Clients describe the same shift: decisions move earlier. A crunch visible six weeks out is a phone call; visible six days out, it's a crisis. Slow payers get addressed while the invoice is young. Growth spending lands in the months that can carry it. And the owner stops checking the bank app as a nervous habit — the forecast already answered the question.
See how we can impact your business →Built for Businesses Where Timing Is the Hard Part
The contractor with deposits, draws, subs, and retainage moving on different calendars. The hospitality owner whose costs arrive daily but whose profit shows up in bursts. The practice owner funding payroll growth ahead of the revenue it will bring. If your question is less "are we profitable?" and more "why doesn't it feel like it?" — start here.
From First Look to Steady Rhythm
Understand — your inflows, outflows, terms, and seasonality as they actually behave. Prioritize — the two or three timing problems doing the real damage. Solve — the forecast, the budget, and the receivables routine, built and running. Measure — a monthly review where forecast meets actuals. Grow — when the cash picture is steady, pricing and margin work with our fractional CFO has solid ground to stand on.
Forecasts From People Who See Your Whole Financial Picture
Melynda Wright, CPA, builds the forecasting discipline; Donna Lowe keeps the books it feeds current. Same team, same numbers, no translation loss.
Meet the team →Find Out Where Your Cash Is Hiding
Bring three months of statements to one conversation. We'll show you what a 90-day forecast of your business would have said — and what it would say now.
Book a Consultation