13-Week Cash Flow Forecast for Tradies

A practical short-term forecasting method for contractors and trade owners.

Trade specific context: 13 week forecasting for trades

A 13-week forecast is useful when it reflects real collection behavior, not ideal due dates. The model should be updated weekly with actual outcomes.

USA vs Australia terminology

Using familiar local wording in quotes, invoices, and reminders reduces confusion and helps approvals move faster.

Recommended billing model

Model: short horizon cash planning

1. Agree on payment terms and approval steps before work starts.
2. Invoice immediately when each billable stage is complete.
3. Schedule reminders before the due date and on the due date automatically.
4. Escalate overdue accounts on a clear, fixed schedule.

Common blocker and fix

Frequent blocker: forecast ignores overdue risk

Fix: Attach the right proof and references when you send the invoice, then confirm receipt with the approver the same day.

Example: The forecast reduces projected inflows for historically slow payers, improving confidence in short-term payroll and supplier decisions.

Common questions for 13 week forecasting for trades

How should tradies build a 13 week forecast?
Project inflows by real payment behavior, not invoice due dates alone.

What inputs matter most in trade cash forecasting?
Open invoices, pipeline conversion, payroll, materials, and tax obligations.

How often should forecast be updated?
Update weekly with actuals and revised collection assumptions.

Metrics to review weekly

• Overdue value by aging bucket.
• Average days to payment by client type.
• Reminder response rate and promise to pay completion.
• Dispute volume and resolution lead time.

Note: Regulatory requirements differ by state and country. Use local legal and accounting advice for contract and statutory compliance.

Want to automate follow-ups and get paid faster?

Invoice Chase helps trade businesses send consistent reminders with less admin overhead.