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Cash Flow Forecasting &
Financial Modeling

Profit doesn’t pay the bills — cash does. ATS builds 13-week cash flow forecasts, budgets, and three-statement financial models so you can see your runway, plan hiring and investments with confidence, and walk into a bank or investor meeting with numbers that hold up.

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Quick Answer

What is cash flow forecasting and why does it matter? A cash flow forecast projects the money coming in and going out over a set period — often a rolling 13 weeks for near-term visibility, plus an annual budget for the bigger picture — so you know before it happens whether you can make payroll, cover tax, or fund a purchase. ATS builds these forecasts and full three-statement financial models from your actual bookkeeping data, so they’re grounded in reality rather than guesswork.

See What’s Coming, Before It Arrives

Most cash crunches are visible weeks in advance — if someone is looking. A forecast turns your bookkeeping into a forward view: when cash dips, how much runway you have, what a new hire or a slow-paying client does to your position. ATS builds forecasts and models on top of clean books, updates them as reality changes, and translates the numbers into decisions you can actually act on. It’s the planning layer that sits between day-to-day bookkeeping and full CFO strategy.

Who Needs Forecasting

Any business that wants to stop being surprised by its bank balance.

Growing businesses planning hires or expansion
Founders who need to know their runway
Companies preparing for a loan or line of credit
Startups raising or reporting to investors
Seasonal businesses managing cash swings
Owners tired of end-of-month surprises

What Forecasting & Modeling Includes

Forward-looking numbers, built on your real data.

13-Week Cash Flow Forecast A rolling short-term view of cash in and out, so you see tight weeks early and can act — updated as actuals come in.
Annual Budget & Plan A realistic operating budget for the year, built with you and tracked against actuals so you know where you stand.
Three-Statement Model An integrated model linking your profit & loss, balance sheet, and cash flow so changes flow through correctly.
Scenario & Sensitivity Analysis Best-case, base-case, and downside scenarios — what happens if revenue slips, a hire is added, or a big client is late.
Runway & Burn Analysis For startups and growth-stage businesses: how long your cash lasts and what changes extend it.
Investor- & Lender-Ready Projections Clean, defensible projections to support a financing round, a bank loan, or a line of credit.
Budget vs. Actual Reporting Monthly variance reporting so the plan stays honest and you learn what’s driving the numbers.
Grounded in Your Bookkeeping Every forecast is built from your actual books, so the starting point is accurate — not a blank spreadsheet.

How Forecasting Works With ATS

From your books to a forward view you can steer by.

Step 01

Free Consultation

We learn your goals — runway, a loan, a hire, a raise — and what decisions the forecast needs to support.

Step 02

Ground in Your Books

We make sure your bookkeeping is clean and current, because a forecast is only as good as its starting numbers.

Step 03

Build the Model

We build your 13-week forecast, budget, or three-statement model, with the scenarios that matter to you.

Step 04

Review & Update

We walk you through it, translate it into decisions, and keep it updated as your actuals change.

Why Build It With a CPA Firm

A forecast built on shaky bookkeeping is just a confident-looking guess. ATS is a licensed CPA firm, a member of the Ordre des CPA du Québec, and we build your forecasts and models on top of books we can vouch for — so the projections are realistic and the assumptions are defensible when a bank or investor pushes on them. It’s forecasting from people who also know what your numbers really mean.

Forecasting pairs naturally with our fractional CFO and controller services, and it’s built on your monthly bookkeeping. Préférez le français ? Voir les prévisions de trésorerie.

Forecasting, Scoped to You

A one-time model or an ongoing rolling forecast — we quote based on what you need and how often it’s updated. You’ll know the price up front.

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Forecasting FAQs

Common Questions About Cash Flow Forecasting

What’s the difference between a budget and a cash flow forecast?
A budget is your plan for revenue and expenses over a year; a cash flow forecast tracks the actual timing of money moving in and out, often over a rolling 13 weeks. You can be profitable on paper and still run out of cash if the timing is off — the forecast catches that. Most businesses benefit from both, which we build together.
Do I need clean bookkeeping first?
Yes — a forecast is only as reliable as the numbers it starts from. If your books need work, we get them current first (or as part of the engagement) so the forecast is grounded in reality. That’s the advantage of forecasting with a firm that also does your bookkeeping.
Can you build projections for a bank loan or investors?
Yes. We build clean, defensible projections — including three-statement models and scenarios — that stand up to scrutiny from lenders and investors, and we can join the conversation to explain the assumptions.
How often is the forecast updated?
For near-term cash management, a 13-week forecast is typically refreshed as actuals come in — often monthly, sometimes more frequently for tight situations. Annual budgets are reviewed against actuals monthly. We set a cadence that matches your needs.
Is this the same as CFO services?
It overlaps. Forecasting is one of the core tools a fractional CFO uses. If you want ongoing strategic finance leadership — not just the model — our CFO service builds on this. Many clients start with a forecast and grow into fuller CFO support.

Stop guessing at your runway.

Book a free consultation and we’ll build a forecast that shows you what’s coming — and what to do about it.

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