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Business
6 min read
Cash-flow forecasting for seasonal businesses
If revenue arrives in waves, your forecast needs to plan for the troughs. A simple 13-week model can change how you run the year.
Eleanor Whitmore
Founding Partner, CPA
Seasonal businesses face a unique challenge: the months that generate most of the revenue are rarely the months with the biggest bills. A rolling cash-flow forecast turns that uncertainty into a plan.
Build a 13-week view
Map expected receipts and payments week by week for the next quarter. Update it every Monday with actuals — the habit matters more than the precision.
Plan for the trough
Agree credit facilities while trading is strong, stagger supplier payments and time investments for the months when cash is naturally high.
With a simple model in place, quiet months stop being a source of stress and become part of a predictable annual rhythm.
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