13-Week Cash Flow Forecast Template for Trades (2025)
A 13-week cash flow forecast template for UK trades in 2025, with a simple method to predict gaps before they hit.
Not financial advice
Pricing guidance here is educational. Model rate changes against your own books, suppliers, and market before implementing them.
The Reality: Most trade businesses fail from cash gaps, not a lack of profit. A 13-week cash flow forecast is the simplest system to see the gap before it hits your bank balance.
If you need the basics first, see Cash Flow Basics for Micro Service Teams 2026.
The 13-week template structure
Rows (categories):
- Cash in: invoices due, deposits, recurring contracts
- Cash out: payroll, suppliers, fuel, equipment finance, tax
Columns:
- Week 1 to Week 13
Example (first 4 weeks)
Week 1 2 3 4
Cash in 6,200 4,800 7,100 5,500
Cash out 5,100 6,400 4,900 6,200
Net 1,100 -1,600 2,200 -700
Extend this to 13 weeks and update weekly.
How to build it in 30 minutes
- List every invoice due in the next 13 weeks
- Add deposits expected from confirmed jobs
- Add recurring contracts and memberships
- List fixed costs (payroll, rent, finance)
- List variable costs (materials, fuel)
If you rely on faster payouts, see Instant Payout Cost Calculator.
The 20 percent buffer rule
Assume 20 percent of invoices arrive late. That gives you a realistic view and forces earlier action.
To improve collections, use Payment Reminder Templates (Same-Day Collections).
What to do when you spot a gap
- Bring forward deposits by updating quote terms
- Speed up invoicing and payment links
- Negotiate supplier payment terms
- Reduce discretionary spend for 2 to 4 weeks
If you need funding options, read Working Capital Options Beyond Instant Payouts.
Weekly routine (keep it simple)
- Friday: update actuals from the week
- Monday: review the next 4 weeks
- Tuesday: trigger reminders or deposit requests
Where Toolfy fits
Toolfy shows invoice status and payment timing so you can forecast based on real data instead of guesswork. Start a free trial to track cash in one place.
FAQ
Do I need a complex finance tool? No. A basic 13-week sheet is enough if you update it weekly.
What if customers pay late? Add a delay buffer and automate reminders to improve timing.
Should I include VAT and tax? Yes. Taxes are often the biggest surprises when forecasting.
⚠️ Important Disclaimer
This guide is for general informational and educational purposes only. It does not constitute professional advice of any kind (legal, financial, tax, insurance, or otherwise).
Before making business decisions: Consult with qualified professionals (solicitors, accountants, insurance brokers, etc.) who can assess your specific circumstances. Laws, regulations, and industry standards change frequently and vary by location and situation.
Toolfy and the article authors accept no liability for decisions made or actions taken based on information provided in this guide. You are solely responsible for ensuring compliance with all applicable laws and regulations.
Frequently Asked Questions
Why use a 13-week cash flow forecast?
How often should I update it?
What should I include in the forecast?
Need this workflow in Toolfy?
Spin up the exact checklist, scripts, and automations from this article inside your workspace.
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