Start with actual cash
Use the current bank position—not the accounting close—as the opening signal.
Torque 13 cash forecast
Cash visibility before the decision becomes urgent.
A practical 13-week operating view for service and trade businesses that need to connect collections, payroll, vendor commitments, and capacity before the bank balance becomes the constraint.
Why 13 weeks
Profit can look healthy while cash becomes fragile.
The operating question is not simply whether the business is profitable. It is whether cash will be available when payroll, materials, debt, taxes, and growth commitments arrive.
A rolling 13-week view turns that timing problem into a leadership conversation. It shows where collections, billing cadence, purchasing, and staffing decisions collide—and gives the team time to act.
The weekly operating rhythm
Update the signal.
Decide the next move.
Map expected inflows
Connect invoices, collection timing, deposits, and realistic customer payment behavior.
Map committed outflows
Include payroll, vendors, materials, debt, taxes, and owner commitments by week.
Find the pressure week
Identify the first week the cushion narrows, then assign the collection, margin, or capacity decision.
One connected picture
The forecast is useful when it changes a decision.
What is available?
Opening balance, receipts, disbursements, and minimum operating cushion.
What is converting?
Job economics, billing cadence, collections, and cash conversion by customer or project.
What can the team deliver?
Labor, scheduling, backlog, purchasing, and the timing of new commitments.
Who changes the outcome?
A named owner, decision threshold, and weekly follow-through for every pressure point.
Illustrated companion guide
The operating logic behind Torque 13.
Review the original illustrated whitepaper below, then use the editable forecast to put the cadence into practice.
Make the next cash decision visible