The Operator’s Library › Cash Flow
Thirteen weeks is how far ahead a service business needs to see its cash. Most owners see two. Put your numbers in below and watch the running balance. The week it goes red is the week to fix today, while you still have time.
Your real bank balance right now.
Fill a typical week, then edit the exceptions
| Week | Cash in | Cash out | Ending balance |
|---|---|---|---|
| 1 | $ | $ | $0 |
| 2 | $ | $ | $0 |
| 3 | $ | $ | $0 |
| 4 | $ | $ | $0 |
| 5 | $ | $ | $0 |
| 6 | $ | $ | $0 |
| 7 | $ | $ | $0 |
| 8 | $ | $ | $0 |
| 9 | $ | $ | $0 |
| 10 | $ | $ | $0 |
| 11 | $ | $ | $0 |
| 12 | $ | $ | $0 |
| 13 | $ | $ | $0 |
Your numbers are saved on this device only. We never see them.
Want it as a spreadsheet you keep? The Dashboard Suite includes a 13-week cash forecast in Excel, plus four more working sheets.
Get the spreadsheetsCash out beats cash in on the weeks you buy materials, run payroll twice, or pay quarterly tax. A business clearing 12% margins can still hit a Tuesday with nothing in the account. The forecast finds that Tuesday nine weeks early.
When a week turns red, you have three moves, in order of cost: pull cash in sooner (deposits, same-day invoicing, a tighter collection cadence), push cash out later (supplier terms, timing a purchase), or hold a reserve for the known dips. The first move is usually free.
The living version
Cash flow tells you whether you survive the quarter. Keystone tells you what the business is worth, what is discounting it, and in what order to fix it, read from your actual numbers against ten years of real closed transactions. Free in four minutes.
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The Operator’s Briefing
Once a month, one operating problem taken all the way apart: how the best-run service businesses actually handle it, what to copy, and the first move to make Monday. Real teardowns, no pitch. New library tools land here first.
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