Stavely & Rowe

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Service

Cash Flow & Runway Management

Q: Why 13 weeks and not 12 months?

Thirteen weeks is one quarter: long enough to see payroll cycles, quarterly payments and a slow collection, and short enough to forecast from invoices and bills you already know about. It answers whether you can make payroll in week nine. The 12-month view lives in the operating model, and we reconcile the two so near-term and long-term runway agree.

Q: What data do you need from us?

Read-only access to your bank accounts and accounting system, aged receivables and payables reports, the payroll calendar and any debt or lease schedules. If some of that lives in spreadsheets, we work from those. Most clients spend two to three hours with us in the first week, then about 30 minutes each Monday.

Q: How accurate is the forecast?

It depends on how predictable your receipts are. In our demo engagements, the median forecast reaches 96% accuracy on ending cash at week 13. Businesses with a few large customers or seasonal sales see wider swings. We track variance weekly and show you which lines to trust, so accuracy improves as the forecast learns your patterns.

Q: Can this help when we talk to our lender?

Yes. A weekly cash forecast with a variance history is usually the first thing a lender asks for when covenants are tight. We prepare the forecast and the supporting schedules and can join the call to walk through the numbers. Loan terms and any legal questions stay with your counsel.

A 13-week cash forecast updated every Monday, with the levers that buy you months. The first version is in your hands within 10 days.

Book a free intro call

See pricing

Starting at

From $3,500/mo

First milestone

First forecast in 10 days

Scope

Agreed in writing before work starts

Overview

Who it’s for

Venture-backed teams with 6–15 months of runway and a raise that depends on the next two quarters
SMBs with healthy revenue but a bank balance that swings hard between payroll weeks
Founders who learn about a cash shortfall from the bank, not from a forecast
Businesses carrying inventory or long receivables, where profit and cash rarely match

Overview

Who it’s for

Venture-backed teams with 6–15 months of runway and a raise that depends on the next two quarters
SMBs with healthy revenue but a bank balance that swings hard between payroll weeks
Founders who learn about a cash shortfall from the bank, not from a forecast
Businesses carrying inventory or long receivables, where profit and cash rarely match

What the work looks like

Runway is a date, not a feeling. We build a 13-week cash flow forecast from your bank data, payables, receivables and payroll calendar, then update it every Monday with last week’s actuals. You see ending cash for each week, the lowest point in the quarter and the date you would cross your minimum cash line.

Once the forecast is honest, we find the levers. Typical ones include collecting receivables faster, moving vendor terms from 15 to 45 days, timing hires to cash rather than to the calendar and cutting spend that does not show up in revenue. Each lever gets a dollar value and a week, so you can choose which ones to pull and see the new runway before you commit.

The first forecast is usually ready within 10 days. After that, a monthly engagement covers the weekly update, a short variance note and a monthly runway review with you. Many clients fold this into a Fractional CFO scope as a raise or the next budget cycle comes closer.

Who it’s for

Venture-backed teams with 6–15 months of runway and a raise that depends on the next two quarters
SMBs with healthy revenue but a bank balance that swings hard between payroll weeks
Founders who learn about a cash shortfall from the bank, not from a forecast
Businesses carrying inventory or long receivables, where profit and cash rarely match

Deliverables

What you get

13-week cash flow forecast

Weekly receipts, disbursements and ending cash for the next quarter, built from bank data, payables, receivables and payroll.

Monday update

Last week's actuals loaded and the forecast rolled forward every Monday, with a one-paragraph note on what changed.

Variance tracking

Forecast against actual by line each week, so you can see which assumptions hold and which need work.

Runway view

Months of runway at current burn and at the approved plan, plus burn multiple for venture-backed teams.

Priced lever list

Receivables, payables, hiring timing and spend options, each with a dollar value and the week it lands.

Minimum cash policy

An agreed cash floor, the actions triggered if the forecast crosses it and who approves them.

Timeline

How the first months run

Days 1–5

Bank, payables, receivables and payroll data pulled

Days 1–5

Bank, payables, receivables and payroll data pulled

Days 5–10

First 13-week forecast and runway view delivered

Days 5–10

First 13-week forecast and runway view delivered

Weeks 3–4

Levers priced and minimum cash policy agreed

Weeks 3–4

Levers priced and minimum cash policy agreed

Every Monday

Forecast updated with actuals and a variance note

Every Monday

Forecast updated with actuals and a variance note

Engagement options

Ways to engage

Option

Cadence

Price1

Weekly cash forecast

Monthly, about 8 hours

From $3,500/mo

Cash diagnostic

Fixed project, 2 weeks

From $6,000

Within Fractional CFO

Included in the monthly scope

From $8,500/mo

Option

Cadence

Price1

Weekly cash forecast

Monthly, about 8 hours

From $3,500/mo

Cash diagnostic

Fixed project, 2 weeks

From $6,000

Within Fractional CFO

Included in the monthly scope

From $8,500/mo

1Prices are demo figures for a fictional firm. Disclaimer

Case studies

All case studies

SaaS

Fractional CFO

Extending runway from 9 to 21 months ahead of a Series B

Series A vertical SaaS · 70 employees

A Series A vertical SaaS company went from 9 to 21 months of runway, closed an $18M Series B in 11 weeks and cut its monthly close from 24 days to 6.

21 mo

Runway, up from 9 months

Months of runway, by quarter

Read the case study

SaaS

Fractional CFO

Extending runway from 9 to 21 months ahead of a Series B

Series A vertical SaaS · 70 employees

A Series A vertical SaaS company went from 9 to 21 months of runway, closed an $18M Series B in 11 weeks and cut its monthly close from 24 days to 6.

21 mo

Runway, up from 9 months

Months of runway, by quarter

Read the case study

SaaS

Fractional CFO

Extending runway from 9 to 21 months ahead of a Series B

Series A vertical SaaS · 70 employees

A Series A vertical SaaS company went from 9 to 21 months of runway, closed an $18M Series B in 11 weeks and cut its monthly close from 24 days to 6.

21 mo

Runway, up from 9 months

Months of runway, by quarter

Read the case study

E-commerce

Cash Flow & Runway Management

Freeing $3.1M of cash trapped in inventory

DTC home goods brand · $22M revenue

A $22M DTC home goods brand released $3.1M of cash from inventory in five months, added 4.2 points of gross margin and now forecasts cash at 96% accuracy.

$3.1M

Cash released from inventory

Inventory on hand, $M

Read the case study

E-commerce

Cash Flow & Runway Management

Freeing $3.1M of cash trapped in inventory

DTC home goods brand · $22M revenue

A $22M DTC home goods brand released $3.1M of cash from inventory in five months, added 4.2 points of gross margin and now forecasts cash at 96% accuracy.

$3.1M

Cash released from inventory

Inventory on hand, $M

Read the case study

E-commerce

Cash Flow & Runway Management

Freeing $3.1M of cash trapped in inventory

DTC home goods brand · $22M revenue

A $22M DTC home goods brand released $3.1M of cash from inventory in five months, added 4.2 points of gross margin and now forecasts cash at 96% accuracy.

$3.1M

Cash released from inventory

Inventory on hand, $M

Read the case study

Cash Flow & Runway Management

Common questions

Pricing questions

Why 13 weeks and not 12 months?

What data do you need from us?

How accurate is the forecast?

Can this help when we talk to our lender?

Free intro call · 30 minutes

Talk to us about Cash Flow & Runway Management.

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