You can be profitable and still miss payroll.
This is the sheet that tells you what you can actually spend this week. Three rows, thirteen weeks, about thirty minutes to fill in.
Your profit and loss statement covers a stretch of time that's already over. Your bank balance is right now. Those are two different questions, and most owners only ever look at the first one.
The thirteen week cash forecast closes that gap. It shows you a payroll problem in January instead of on the fourteenth of February. That lead time is the whole point. A problem you can see six weeks out is a phone call. The same problem on the day is a line of credit.
What you get
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The blank template, with every formula already built. You fill in the yellow cells and it calculates.
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A worked example: a six-truck landscaping company, profitable every year, nine thousand short for February payroll.
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The same company after three changes, with the whole quarter back above the floor. Nothing about the business changed. Only the timing.
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A floor number and a status row that flags any week you drop below it.