Cash Flow Forecast

Know if you're running out of cash before it happens.

Books, inventory, and operations — one 13-week cash flow forecast that refreshes as your data syncs.

Your data lives in three places. Your forecast lives nowhere.

Bookkeeping, inventory, and planning have always been separate tools — so nobody can see the real picture of your cash. DayZero unifies them into one continuous forecast that always reflects reality.

Books

Bank balance, recent transactions, and bills — the lagging indicator everyone has. Doesn't tell you what's coming.

Inventory

POs, production runs, vendor payments. Every open commitment is a cash outflow waiting to land — yours, weeks ahead.

Operations

The plan, the budget, the assumptions. The numbers that should feed forecasts but live in spreadsheets that nobody updates.

01 — One unified forecast

Every source, stacked into one balance.

Start with operating cash, then layer in the commitments that actually move your balance. Toggle each one to see the trough appear — exactly how DayZero unifies your books, inventory, and debt.

app.ondayzero.com/cfo?section=cash-flow

13-Week Cash Forecast

Toggle a layer to see the balance move

Demo

Starting cash

$312,000

Lowest cash

$322,000

week 1

Ending cash

$502,000

Net change

$190,000

60.9%

13-Week Cash Forecast

Min $200k

Toggle a layer to watch the balance move. DayZero unifies bank, AR, AP, open POs, and debt into one running balance — so the trough shows up weeks before it hits your account.

Receivables & Payables

What you're owed, what you owe — projected forward.

AR aging flows in as expected weekly inflows. AP schedules surface as outflows before they hit your account. No more "we'll catch up at month-end."

AR mapped to expected collection weeks from open invoice due dates

AP scheduled from bill due dates and expected payment dates

Overdue surfaced as immediate obligations — not just a number on an aging report

app.ondayzero.com/cfo?section=cash-flow

Receivables

13-week rolling window

Demo

Inflows

$37k

week 6

Outflows

$21k

week 6

Net

+$16k

week 6

Shopify payout

AR inflow

+$27,300

Wed

Summit Provisions

AR inflow

+$18,600

Tue

Harvest Market

AR inflow

+$12,400

Fri

PO Payments

Cash commitments before they hit your books.

Every open PO is a future cash outflow with a specific landing week. DayZero tracks each PO's expected payment date and terms so the forecast knows what's coming weeks in advance.

PO pipeline tracks each commitment from draft through received, with cash-hit week estimates

Each PO lands in its expected payment week so late inventory doesn't blindside you

Bill matching closes the loop when invoices arrive — no double-counting

app.ondayzero.com/cfo?section=cash-flow

PO Pipeline

13-week rolling window

Demo

Inflows

$37k

week 6

Outflows

$21k

week 6

Net

+$16k

week 6

Cocoa Trade PO

PO payment

−$60,000

Week 5

Pacific Pack PO

PO payment

−$12,000

Mon

Northwest Dairy PO

PO payment

−$4,650

Week 3

Debt Payments

Your obligations, already priced in.

Term loans, lines of credit, and equipment financing are baked into the forecast from day one. You see ending cash after obligations — not before.

Principal and interest scheduled by payment date — never a surprise on the 1st of the month

Surfaces in the 13-week view as Debt Payments — separate from operating outflows

Amortization follows each instrument's schedule across the forecast window

app.ondayzero.com/cfo?section=cash-flow

Debt Schedule

13-week rolling window

Demo

Inflows

$37k

week 6

Outflows

$21k

week 6

Net

+$16k

week 6

First Union loan

Debt service

−$8,000

15th

First Union loan

Debt service

−$8,000

next month

First Union loan

Debt service

−$8,000

in 2 months

Budget vs Actual

Forward assumptions meet real numbers.

Your 12-month budget feeds revenue and expense assumptions into the forecast for the weeks ahead, while committed AR, AP, POs, and debt are tracked alongside as their own lines.

Budget revenue & expenses prorated into each of the 13 weeks

Committed AR, AP, POs & debt tracked separately from budget projections

Per-week overrides let you model what-if adjustments by hand

app.ondayzero.com/cfo?section=cash-flow

Variance

13-week rolling window

Demo

Inflows

$37k

week 6

Outflows

$21k

week 6

Net

+$16k

week 6

Shopify payout

AR inflow

+$27,300

Wed

Gusto payroll

Payroll

−$26,900

Fri

Cocoa Trade PO

PO payment

−$60,000

Week 5

First Union loan

Debt service

−$8,000

15th

For fractional CFOs

The infrastructure behind your forecast.

Fractional CFOs and ecommerce advisors — DayZero is the platform you've been building in spreadsheets for years, now running live for every client.

Multi-client management

Switch between client books instantly. Every forecast, inventory, and budget in one dashboard.

Deploy your own playbook

Set alert rules, budget assumptions, and cash thresholds once. DayZero runs the checks on a schedule.

Book a demo. We'll build your forecast on the call.

Connect your books, inventory, and operations — see your 13-week forecast before you leave the call.

Start free trial