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Virtual CFO · Jan 2026

Runway, burn and the 13-week cash forecast

Profit is an opinion; cash is a fact. The 13-week cash forecast is the single most useful cash tool a founder can run — and most don’t run one until it’s too late.

Why 13 weeks

A quarter is long enough to see trouble coming and short enough to forecast accurately. Crucially, it’s built weekly, on actual receipts and payments — not accounting accruals that hide the timing of real cash.

What goes into it

Read the low point, not the month-end

A healthy month-end balance can hide a mid-month trough where payroll or a covenant actually gets missed. The weekly low point is where the risk lives.

Runway and burn

Define runway from cash and net burn, watch the trend rather than a single month, and pressure-test it against a slower-revenue scenario. If a bad quarter breaks the plan, you want to know now.

We run this cadence for the companies we work with, with escalation triggers that fire before cash gets tight — not after.

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