13-Week Cash Flow & Liquidity
Every hard cash decision, from making payroll to asking the bank for room, is a bet on runway. We build the direct-method 13-week model both sides of the table can argue from, in two weeks, and maintain it on a Friday cadence for as long as it is needed.
Who calls us
The situations
- Founder-led and mid-market companies where cash is tight and month-end reports arrive too late to act on
- Companies asking their bank for a waiver, an amendment, or more room, with projections the lender will believe
- Sponsors that need independent cash visibility across a stressed platform
- Banks and lenders whose borrower reporting arrives 30 to 75 days stale on a credit that just went to watch-list
What you receive
The deliverable
A working model, yours to keep, a weekly variance package, covenant and milestone tracking, and a named senior partner on the Friday call. Where a lender requires the work, it is typically funded by the borrower under the credit agreement's expense provisions.
Build, maintain, interrogate, advise
Build
Direct-method receipts-and-disbursements model, bank-data-anchored, in ten business days.
Maintain
Friday actual-versus-forecast variance reporting, in the lender's format where one is required.
Interrogate
Vendor stretch, customer concentration, deposit timing, borrowing-base implications: the places industrial cash forecasts lie.
Advise
What the variance trend means for the plan, the covenant, and the conversation with the lender. **Industrials note** Manufacturing and construction cash flows fail on WIP, retainage, surety, progress billing, and tooling capex: line items a generic template never sees. Ours were built running these companies.
Manufacturing and construction cash flows fail on WIP, retainage, surety, progress billing, and tooling capex: line items a generic template never sees. Ours were built running these companies.
Common questions
Straight answers
How fast can a model be live?
Ten business days to a working model in most middle-market situations; a usable draft sooner when bank data access is immediate.
Who owns the model?
The client. We build in standard tools, document assumptions, and hand over a maintainable file. No black box, no hostage fee.
13 weeks: why that horizon?
It is the standard lender horizon: long enough to see the borrowing base and payroll cycles turn, short enough to be forecast from actual receipts and disbursements rather than accrual guesses.
Put the Friday number on the table
A working model in ten business days.