Know the week you run short — before you get there. BizBooks Pro projects your bank balance forward from the invoices, bills and recurring transactions already in your books, then adjusts for how your customers actually pay.
Download FreeMost cash flow forecasts live in a spreadsheet that somebody rebuilds by hand every Monday morning. It is stale within days, nobody quite trusts the numbers, and the one question it exists to answer — can we make payroll in six weeks — never gets a straight response.
BizBooks Pro takes a different route. Because the projection is generated from the same ledger that runs your accounting, there is nothing to re-key and nothing to reconcile. Every open invoice, unpaid bill, recurring charge and bank balance is already in place. Pick a 13-week rolling view for operational cash control or a 12-month view for planning, and the numbers rebuild themselves each time you open the screen.
Here is the assumption that quietly ruins most cash forecasts: that customers pay on the due date. They do not. If your terms say Net 30 and your customers habitually settle on day 44, a forecast built on due dates overstates your cash in every single period — and it is always wrong in the direction that hurts, promising money that has not arrived.
BizBooks Pro reads your own payment history and works out the median number of days each customer runs past the due date, then shifts that customer's open invoices to match. A client who reliably pays early is forecast early. A client who always runs six weeks behind is forecast six weeks behind. Accounts without enough history fall back to your company-wide median, and if your file is too new to show a meaningful pattern the forecast says so plainly rather than inventing one. Whichever assumption is active is printed across the top of the report, so it is never a mystery.
The standard operating horizon for cash management, rebuilt from live data every time you open it.
Each customer is projected on their own track record rather than the terms printed on the invoice.
Model a downturn or a collection delay without inventing revenue. Multipliers scale what you are predicting — never a signed invoice.
Your books do not know about the loan closing next month or the hire starting in March. Put those straight into the forecast.
Say it is the middle of August. Atlas Manufacturing owes you $5,000 on an invoice due 27 August, and their history says they run about five days late — so BizBooks Pro places that money in the week of 1 September, not the week of 25 August. A $2,000 supplier bill falls due 3 September. Your software subscription bills $800 every month, and you have told the forecast that a $20,000 estimated tax payment lands on 6 October.
The projection looks comfortable through September, then shows a red row in the week of 6 October where the closing balance drops below zero. You now have seven weeks of warning. You can chase the two slowest-paying accounts, postpone a discretionary purchase, or arrange a credit line — while there is still time for any of those to work. That single red row is the entire point of the feature.
A forecast nobody checks is just an opinion. BizBooks Pro can save a snapshot of any projection and later compare it against what actually moved through your bank once each period closed. You get a period-by-period variance and, more usefully, a bias reading: does this forecast run consistently optimistic or consistently conservative? The optimistic kind is what eventually bounces a payroll run, and knowing that about your own numbers is worth more than any single week's figure.
Any owner who has wondered whether a large purchase is safe this month. Seasonal businesses managing a lean stretch. Contractors carrying long receivable cycles. And bookkeepers and accountants moving into advisory work — forecasting is the capability that turns a monthly close into a conversation about next quarter, which is the higher-margin service most practices want to sell. It is included on Professional and on every Accountant plan, with no separate module to buy, at one flat annual price and no monthly fees.
Your books already hold everything the forecast needs. Switch it on and see the next 13 weeks.