In build — first companies being selected
Thirteen weeks of cash you can see coming.
A rolling 13-week cash flow forecast, built from the rhythm already sitting in your bank account and reviewed each week by an analyst who knows what the numbers mean for your business.
What the forecast gives you
Thirteen weeks, refreshed weekly
A rolling window that moves with you, not a file that stops being true the week it is finished.
Money in and money out, named
Collections, retainers, rent, payroll, contractors, tax, insurance, debt service — each on its own line, because they behave differently.
The first thin week, in advance
The week a balance gets tight, called out while there is still time to move a payment or draw a line.
What changed since last week
The difference between last week's forecast and this week's, with the reason attached.
How it gets built
- 01
Bank activity in
Connect the account, or hand over statements. Twelve months of history makes the pattern readable.
- 02
Charlie learns the rhythm
The date rent actually leaves, how payroll lands across the month, which customers drift late, how seasonal the money really is.
- 03
A person sets the assumptions
What no model can infer: a hire you have promised, a loan payment that steps up, a customer who is not coming back.
- 04
It runs every week
Actuals fold in as they happen, so the gap between what you expected and what occurred becomes the thing you learn from.
Why it is not another spreadsheet template
From your bank, not a template
The categories come from how your money actually moves. Nobody's guess at a chart of accounts gets baked in.
People counted the way you count them
Headcount timing drives most of the out column, and every organization argues about how to count people. We settle that first, then model it.
Reviewed by an operator
Building the forecast is the easy half. The judgment — what a change means, what acting late costs — is the part you are paying for.
It stays with you
The assumptions, the decisions and the reasoning behind them are kept in your company's Charlie, so the file that saved you this year is still findable in seven.
What it takes to start
- — Bank statements or a connection — twelve months if you have them
- — Your next quarter: hires, tax dates, loan payments, insurance renewals, anything big and dated
- — An hour at the start, then fifteen minutes a week
Where this stands
We are building this now for a small number of companies. Direct bank connections are not live yet: early forecasts are assembled from statements and records you upload, the same way the rest of the analysis is, and the live connection is the next step. Whoever starts now shapes what the weekly review looks like.
Start with the part that worries you.
Tell Charlie where your money moves and which week you would rather not be surprised by. A few minutes, typed or spoken, and then pick a time to meet.