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.
Advisory
Cash flow management and forecasting
Stop guessing what your bank balance will be.
Profit isn’t cash — and the gap between them is where good businesses get caught short. We 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.
What you can check before you sign
- Fixed fee, written first
- Your own QuickBooks® file
- No hourly billing
If your file needs our paid diagnostic first, its fee is credited in full against the cleanup. Either way, you get a fixed fee in writing before any work starts.
§ 01 · TL;DR
§ TL;DR
Cash flow management plans the timing of money in and out, because profit and cash are not the same thing: a rolling 13-week forecast on accurate books, AR/AP timing, runway and scenario planning. It can be added to monthly bookkeeping for a fixed monthly fee by scope. TechBrot does not lend or file taxes.
They took something that felt overwhelming to me as a first-year business owner and made it simple.
What stood out the most was TechBrot Inc’s attention to detail.
Intuit QuickBooks Certification Level 2 and QuickBooks Workforce Certification,
§ 02 · When cash flow management earns its keep
Signs your cash flow needs managing.
Owners often reach for active cash management when one of these starts keeping them up at night.
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 can leave a profitable company short of cash.
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.
§ 03 · What’s included
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.
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 TechBrot: 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.
§ 04 · How it works
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.
- PHASE 1
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.
- PHASE 2
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.
- PHASE 3
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.
- PHASE 4
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.
§ 05 · Beyond the forecast
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
Checked against TechBrot’s methodology.
§ 07 · Questions
Cash flow management questions.
Why can a profitable business run out of cash?
Because profit and cash are different things. Profit is recorded when a sale is earned; cash arrives when the customer actually pays. 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 doesn’t show. This timing gap can put a healthy business into a cash crisis, and it’s exactly what cash flow management exists to prevent.
What is a 13-week cash flow forecast?
A 13-week cash flow forecast is a rolling, week-by-week projection of cash in and cash out over the next quarter. Thirteen weeks is short enough to be accurate and long enough to see trouble coming, so you can act on a tight week before it arrives. It’s a common working tool for active cash management and is updated each week as actuals come in.
Is cash flow management the same as bookkeeping?
No. Bookkeeping records what already happened. Cash flow management is forward-looking — it forecasts what will happen and helps you change it. It’s an advisory service built on top of accurate books: the forecast is only as reliable as the bookkeeping underneath it, which is why we start there if the books need work.
Do you arrange loans or lines of credit?
No. TechBrot is not a lender or broker. We help you understand your borrowing capacity, prepare the cash flow forecasts and financials lenders ask for, and time financing decisions — then coordinate with your banker or lender, who provides the actual credit. We do not provide lending, investment, or securities advice.
What does cash flow management cost?
Cash flow management can be added to a monthly bookkeeping or advisory engagement and quoted as a fixed monthly fee against a written scope, sized to your complexity and forecast frequency. More intensive, hands-on cash management is part of a fractional CFO engagement, $3,500–$8,000+ per month. No hourly billing.
Ready when you are
Know your cash before it surprises you.
Tell us which decisions the numbers need to support. We’ll tell you whether advisory, a controller or cleaner books come first.
Or send the details instead