Advisory · Cash flow management
Stop guessing what your bank balance will be.
Profit isn’t cash — and the gap between them is where good businesses get caught short. TechBrot’s Certified ProAdvisors build a rolling 13-week forecast, manage the timing of receivables and payables, and plan for tight weeks before they arrive — so you always know what cash you’ll have, when, and why. Independent firm, not affiliated with Intuit Inc.
Cash flow management is the ongoing work of understanding, forecasting, and shaping the timing of money moving in and out of a business — because profit and cash are not the same thing. TechBrot’s Certified ProAdvisors build a rolling 13-week cash flow forecast on accurate books, manage working capital and AR/AP timing, analyze runway, and run scenario planning — so tight weeks are seen and solved early, not discovered at payroll. It’s advisory, not bookkeeping or tax: forward-looking, decision-focused, and only as good as the books underneath it. We coordinate with your banker and CPA; we do not lend or file taxes.
Reviewed by the Certified QuickBooks ProAdvisor team at TechBrot Inc., an independent firm — not affiliated with Intuit Inc. Coordinates with your banker and CPA; not lending, investment, or tax-filing services.
Certified by Intuit
Real credentials held by our firm and operators — verification available on request.
Cash flow management, in five questions.
What is cash flow management?
The ongoing work of understanding, forecasting, and shaping the timing of money in and out of a business — a rolling forecast of expected cash, managing receivable and payable timing, runway analysis, and planning for shortfalls before they happen.
Why can a profitable business run out of cash?
Because profit and cash differ. Profit records when a sale is earned; cash arrives when the customer pays. Slow collections, fast payables, inventory, and growth all consume cash the income statement doesn’t show — the most common cause of cash crises in healthy businesses.
What is a 13-week cash flow forecast?
A rolling, week-by-week projection of cash in and out over the next quarter. Thirteen weeks is short enough to be accurate and long enough to see trouble coming — the standard working tool for active cash management, updated weekly.
Is it the same as bookkeeping?
No. Bookkeeping records what happened; cash flow management is forward-looking — it forecasts what will happen and helps you change it. It’s advisory built on accurate books.
What does it cost?
Usually added to a monthly bookkeeping or advisory engagement at a fixed monthly fee by scope. Intensive, hands-on cash management is part of a fractional CFO engagement ($3,000–$8,000+/mo, by application). No hourly billing.
Cash flow management, plainly.
Cash flow management is the ongoing work of understanding, forecasting, and shaping the timing of money moving in and out of a business — because profit and cash are not the same thing. A business can be profitable on paper while waiting 60 days to collect, paying suppliers in 15, carrying inventory, and funding growth, all of which consume cash the income statement never shows.
TechBrot’s Certified ProAdvisors build a rolling 13-week cash flow forecast on top of your accurate books, manage working capital and AR/AP timing, analyze runway, and run scenario planning — so tight weeks are seen and solved early, not discovered at payroll. It’s advisory, not bookkeeping or tax: forward-looking, decision-focused, and only as good as the books underneath it. We coordinate with your banker and CPA; we do not lend or file taxes. Independent ProAdvisor firm — not affiliated with Intuit Inc.
If any of these sound familiar, the answer is yes.
Most owners reach for active cash management when one of these starts keeping them up at night.
You’re profitable but always tight on cash.
The P&L looks healthy, yet the bank account doesn’t. That gap is timing — collections, payables, inventory, and growth — and it’s exactly what a forecast exposes and fixes.
You can’t predict next month’s balance.
If the bank balance is a surprise every month, you’re flying blind. A rolling forecast turns it into a number you can see weeks ahead.
Growth is eating cash faster than it makes it.
Scaling consumes working capital — more inventory, more payroll, more receivables outstanding. Growth without a cash plan is how fast-growing companies fail.
Payroll or tax dates create stress.
If you brace for payroll or quarterly obligations, the timing isn’t mapped. It should be a non-event you saw coming, not a scramble.
Your business is seasonal.
Seasonal swings need cash banked in the strong months to carry the lean ones. A forecast makes that deliberate instead of a yearly scramble.
You’re weighing a loan or line of credit.
Before borrowing, you need to know how much, when, and whether you can service it. We build the forecasts lenders ask for and time the decision — your banker provides the credit.
What cash flow management actually delivers.
Scoped to your business and updated on a rhythm that matches how fast your cash moves.
01
13-week rolling forecast
A week-by-week projection of cash in and out over the next quarter, rebuilt from actuals so it stays accurate — the core working tool. Short enough to be reliable, long enough to see a tight week coming and act on it.
02
Working capital & AR/AP timing
Managing when money arrives and leaves — collections cadence, payable timing, deposit and inventory cycles — the levers that move cash without touching profit. Most cash problems live here, not in the P&L.
03
Runway & burn analysis
How many months of cash you have at current burn, and which line items move it most. Essential for venture-stage and fast-growth businesses where the question is measured in weeks, not quarters.
04
Scenario & what-if planning
Model the hire, the big order, the slow quarter, the new location — and see the cash impact before you commit, not after. Sensitivity testing on the assumptions that actually swing the balance.
05
Financing & credit-line readiness
The forecasts and financials lenders require, plus a clear read on borrowing capacity and timing — coordinated with your banker, who provides the credit. We prepare and time the ask; we do not lend or broker.
06
Monthly cash review
A regular, plain-language read with a named ProAdvisor: where cash stands, what’s coming, and the one or two moves that matter this month — so the forecast drives decisions instead of sitting in a spreadsheet.
From first forecast to a number you trust.
Every cash flow engagement follows the same four-phase rhythm — built on books that are accurate first.
Discovery
A 30-minute call to understand your cash cycle, the decisions ahead, and where the books stand. No pitch — just whether a forecast, or accurate books first, is the right next step.
Baseline forecast
We build your first 13-week forecast from accurate books — running a cleanup first if the numbers underneath aren’t reliable yet. The forecast is only as good as the bookkeeping below it.
Levers & plan
We identify the moves that change the picture — collections, payable timing, financing, spend — and turn them into a concrete plan with owners and dates, not a list of observations.
Rolling forecast & review
The forecast updates against actuals and we review it on a set cadence, so cash stays predictable and surprises don’t happen. Weekly while it’s tight; monthly once it’s under control.
When cash is under control, the bigger questions open up.
A reliable forecast does more than prevent shortfalls — it changes what you can plan. Once you can see cash clearly, you can decide when to hire, whether to expand, how to price for margin, and how much you can safely invest in growth. That’s the natural step from managing cash to steering the business.
For businesses that want that judgment on an ongoing basis, a fractional CFO takes cash management as one piece of a broader seat — forecasting, KPIs, strategy, and board-level reporting. As automation handles the routine, this is where the real value now lives. Explore fractional CFO & advisory
Reviewed by the ProAdvisor team.
This page reflects how TechBrot delivers cash flow management. It is maintained by the Certified QuickBooks ProAdvisor team at TechBrot Inc., a Delaware-incorporated independent ProAdvisor firm, and reviewed for accuracy on forecasting method, working-capital management, and the boundaries of the service. Where our approach or scope changes, this page is updated. Cash flow management is delivered on accurate books and coordinated with your banker and CPA for anything requiring a license.
QBO L2
Active Intuit ProAdvisor across QBO L2, Desktop, Enterprise, Payroll
Scope
Forecasting, working capital, runway, scenario planning, monthly review — not lending, investment, or tax filing
Fixed-fee
Written scope before work · built on accurate books in your own QuickBooks file
Independent
Not affiliated with Intuit Inc. · QuickBooks is a registered trademark of Intuit Inc.
Cash flow management questions.
What is cash flow management?
Why can a profitable business run out of cash?
What is a 13-week cash flow forecast?
Is cash flow management the same as bookkeeping?
Do you arrange loans or lines of credit?
What does cash flow management cost?
Ready when you are
Know your cash before it surprises you.
Book a 30-minute discovery call. A Certified ProAdvisor reviews your cash cycle, the decisions ahead, and whether a forecast — or accurate books first — is the right next step. Written fixed-fee scope within 3 business days. No pitch.