Predict Cash Gaps Earlier
See when your projected cash balance may tighten so you have time to change spending, accelerate collections, or arrange funding before the pressure becomes urgent.
Free Cash Flow Forecasting Tool
See Cash Problems Before They Become Business Problems
Get Profit Spear's free Excel-based 12-month cash flow forecasting tool to see where cash is coming from, where it is going, when shortages may occur, and what actions can help keep your business financially prepared.
Built for founders and business owners who want a clearer view of liquidity, funding needs, and the financial impact of everyday operating decisions.
FREE Tool + Bonus 30-Minute Cash Flow Consultation
Practical financial planning for startups and small to midsize businesses.
Send Me the Free Cash Flow Tool
Enter your details and receive the Excel-based forecasting tool, plus information on scheduling your complimentary cash flow consultation.
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What happens next?The tool is delivered to your inbox along with a link to schedule a complimentary 30-minute cash flow consultation.
12-Month ViewForecast monthly inflows, outflows and ending cash
Scenario ReadyTest sales, expense and funding assumptions
Decision FocusedSee the cash impact of operating and financing choices
Built for SMBsPractical enough to use without a full finance department
Cash Is King
Don't Let a Cash Crunch Catch You by Surprise
A profitable business can still run into trouble when cash arrives later than expenses are due. The goal of cash flow forecasting is simple: create enough visibility to act before a shortage becomes a disruption.
Understand Inflows vs. Outflows
Build a clearer line of sight into when customer cash comes in versus when payroll, inventory, vendors, debt, taxes, and other obligations go out.
Make Decisions With More Confidence
Understand whether the business can support purchases, hiring, investment, or expansion without creating unnecessary liquidity risk.
12-Month Cash Flow Visibility
More Than a Spreadsheet
A Simple Tool Built Around Real Cash Decisions
The existing Profit Spear tool was designed to help business owners forecast sales and expenses, identify shortages in advance, compare financing options, and understand how operating decisions affect liquidity.
- Forecast sales and expenses across the next 12 months.
- Track cash inflows and outflows and identify potential gaps before they happen.
- Compare debt or equity funding assumptions and understand their effect on projected cash.
- Use charts and analytics to visualize cash surplus, shortages, and changing trends.
- Stress-test weaker sales, higher expenses, or unexpected operating events.
- Build clearer projections for conversations with banks, lenders, or investors.
Faster Cash In. Smarter Cash Out.
Manage the Cash Conversion Cycle Before It Manages You
Better cash flow management is not just about watching a bank balance. It is about understanding the timing of sales, collections, inventory, expenses, and financing—and knowing which lever to pull when cash gets tight.
1ForecastEstimate sales, expenses and major cash commitments.
2IdentifySpot projected shortages, surplus cash and timing mismatches.
3EvaluateTest payment timing, spending changes and funding alternatives.
4ActMake decisions early enough to protect liquidity and operations.
Used in the Real World
Cash Visibility Helps Owners Plan With More Confidence
Client Review
“Having this cash flow forecast tool has been invaluable… I feel more confident making decisions about expenses and planning ahead, knowing I'm in control of my liquidity.”
Darren MooreUSAF Veteran · Founder & Owner, Bunker 27
Premium military and patriotic-inspired retailer with locations across multiple states.
Premium military and patriotic-inspired retailer with locations across multiple states.
What the Forecast Helps You Do
Turn Cash Flow From a Monthly Surprise Into a Management Tool
Use the forecast to support day-to-day operating choices as well as larger financing and growth decisions.
01
Plan Purchases & InvestmentsSee whether projected cash can support inventory, equipment, marketing, hiring, or other investments.
02
Time Payments More IntelligentlyUnderstand upcoming obligations and manage the timing of cash outflows with greater awareness.
03
Estimate Funding RequirementsIdentify how much external cash may be required and when the business may actually need it.
04
Compare Financing OptionsModel borrowing or other funding assumptions and see how repayment changes future liquidity.
05
Stress-Test the BusinessExplore weaker revenue, rising expenses, delayed collections, or other downside scenarios before they occur.
06
Prepare for Capital ConversationsBring organized cash projections into discussions with banks, lenders, investors, or internal stakeholders.
Bonus Free Consultation
Don't Just Download the Tool—Understand What the Forecast Is Telling You
The current offer includes a complimentary 30-minute cash flow consultation. The objective is to help you review your projected cash position, identify potential gaps, and think through practical ways to manage them.
Use the session to focus on the cash decisions that matter most.
- Review projected monthly cash balances.
- Identify unexpected shortages before they occur.
- Discuss working-capital and cash-management opportunities.
- Evaluate whether debt or equity funding may be needed.
- Connect cash-flow visibility to broader profitability and growth decisions.
Get Started Today
Know What Your Cash Position Could Look Like Before the Month Begins
Get the free forecasting tool and start building a clearer view of cash inflows, outflows, funding needs, and financial risk.