Aardvark builds cash flow forecasting models that give you a clear view of your financial future — so you can plan ahead, avoid shortfalls, and make decisions with confidence.
Revenue can be strong and the business can still run out of cash. It happens more often than most owners expect. The timing gap between when money comes in and when it goes out creates blind spots — and those blind spots lead to missed payroll, delayed vendor payments, and decisions made under pressure instead of with a plan.
Cash flow forecasting closes that gap. It gives you a forward-looking view of your cash position — typically 13 weeks out, sometimes 6 to 12 months — so you can see problems before they become emergencies. You know when cash will be tight, when it’ll be strong, and what levers you can pull to change the trajectory.
At Aardvark, cash flow forecasting isn’t a spreadsheet we hand off. It’s a living financial tool that we build, maintain, and review with you regularly. We connect your forecasting model to your actual business operations — your receivables, payables, seasonal patterns, and growth plans — so the numbers reflect reality, not assumptions.
A rolling weekly forecast that shows your expected cash position for the next quarter. Updated regularly based on actual receivables, payables, and operational data — not estimates.
What happens if a major client pays late? What if you hire two months early? We build scenario models so you can stress-test decisions before committing to them.
We pinpoint exactly when and where cash gaps will appear — giving you weeks or months of lead time to arrange financing, adjust spending, or accelerate collections.
We map the timing of your revenue against your expense obligations to identify mismatches that create unnecessary cash pressure, then help you fix them.
Your forecast isn’t static. We review it with your team monthly, comparing projections to actuals, adjusting for new information, and keeping the model accurate and useful.
Clean, visual reporting that shows your cash position at a glance. No dense spreadsheets — just the information you need to make confident financial decisions.
By the end of the first month, we’ve mapped your cash flow patterns, identified the biggest risks to your cash position, and started building the forecasting framework your business will rely on going forward.
We connect to your accounting systems and pull historical cash flow data. We analyze your receivables, payables, revenue cycles, and expense patterns. By the end of the first month, you’ll have a clear picture of how cash actually moves through your business — and where the biggest risks are.
We build and deploy your forecasting model — a 13-week rolling forecast connected to your real financial data. We run scenario analyses, identify cash gaps, and start using the forecast to inform real business decisions. By month three, you have a financial tool your team actively uses to plan and manage cash.
This means:
Our standard model is a 13-week rolling forecast, which gives you a clear quarter-ahead view of your cash position. For businesses planning larger investments, seasonal swings, or growth initiatives, we also build 6- to 12-month forecasts. The right timeframe depends on your business — we’ll recommend the best approach during our initial engagement.
We pull from your accounting software — QuickBooks, Xero, NetSuite, or whatever platform you use. We need access to your accounts receivable, accounts payable, bank statements, and revenue data. Most businesses already have everything we need; it’s just a matter of connecting the systems and organizing the data into a forward-looking model.
No forecast is 100% accurate — the goal isn’t perfection, it’s visibility. A well-built cash flow forecast will give you a reliable directional view of your cash position, usually within a tight margin of actual results. The key is regular updates: we compare projections to actuals weekly and monthly, adjusting the model so it stays as close to reality as possible.
Yes, though they’re related. Financial forecasting covers the broader picture — revenue projections, expense budgets, profitability targets. Cash flow forecasting is specifically about the timing of cash movement: when money comes in, when it goes out, and what your bank balance will look like on any given week. A business can be profitable on paper and still run into cash problems — that’s exactly what cash flow forecasting prevents.
Seasonal businesses are one of the most common use cases for cash flow forecasting. When revenue fluctuates significantly throughout the year, you need to know how much cash to set aside during strong months to cover lean periods. We build seasonal patterns directly into the forecast model, so you always know what’s coming and can plan for it months in advance.
Cash flow forecasting is one of the core deliverables of Aardvark’s CFO engagements. It’s not offered as a standalone service because forecasting is most effective when it’s connected to broader financial strategy — understanding why cash moves the way it does, not just tracking it. When you engage with Aardvark, cash flow forecasting is built into the work from the start.
Talk directly with a fractional CFO. Share your challenges, and we’ll map out where you can see results in just 90 days.
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