Cash flow management

Monthly or weekly cash flow review for CFOs and finance teams. Takes 30-60 minutes. You will track money in, money out, calculate net position, spot problems early, and create action items. Best run at month-end or whenever cash feels tight.Frequency: Weekly or monthly, minimum monthly Duration: 30-60 minutes per review Best for: CFOs, controllers, finance managers, small business owners Key outputs: Net cash position, closing balance, trend analysis, action items When to run: Month-end, when cash feels tight, before major purchases, during seasonal fluctuations

7 steps 1 automations

Accounting statements

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Process steps

Track money coming in

5 days from previous step

task

Pull together all your income sources for the period. This includes customer payments, interest earned, tax refunds, and any other cash hitting your accounts. Don't forget pending invoices that cleared - they count even if the work was done last month.

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Total cash inflows *

Track money going out

5 days from previous step

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List every expense that left your accounts. Rent, payroll, vendor payments, subscriptions, loan repayments - all of it. Be thorough here because missed expenses throw off your whole picture. Group them by category so you can spot where the big money goes.

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Total cash outflows *

Calculate net cash flow

5 days from previous step

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Subtract total outflows from total inflows. That number is your net cash flow for the period. Positive means more came in than went out. Negative means you spent more than you earned. Neither is automatically bad - just know which one you are.

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Net cash flow *

Closing cash balance *

Compare to previous periods

1 day from previous step

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Pull up last month and last year same month. How does this period compare? Look for patterns - are expenses creeping up? Is revenue seasonal? These comparisons tell you if things are getting better or worse. Trends matter more than single numbers. Key comparisons: - Month-over-month change (vs last month) - Year-over-year change (vs same month last year) - Rolling 3-month average trend - Variance from budget or forecast

Identify cash flow problems

1 day from previous step

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Red flags to watch: late customer payments, rising expenses without revenue growth, one-time costs that will repeat, or seasonal dips you forgot about. Write down anything that could cause trouble in the next 30-60 days. Problems you see coming are problems you can fix. Common warning signs: - Accounts receivable aging over 60 days - Payables approaching due dates faster than receivables - Negative net cash flow for 2+ consecutive periods - Cash balance declining below 2 months of expenses - Unplanned large expenses on the horizon

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Problems identified

Plan next period actions

1 day from previous step

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Based on what you found, what needs to change? Maybe chase overdue invoices faster, cut a subscription, or push back a big purchase. Write down 2-3 specific actions with deadlines. Cash flow management only works if you actually do something with the numbers.

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Action items *

Create 13-week cash forecast

1 day from previous step

task

Project your cash position for the next 13 weeks. Start with todays closing balance and add expected inflows (confirmed sales, recurring revenue, scheduled payments due). Then subtract expected outflows (payroll, rent, loan payments, vendor bills). Week by week, see where you might hit zero or need a cushion. This forecast is your early warning system - update it every time something material changes.