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13-week cash flow forecasting for construction & trades

Payroll is due Friday. The draw comes 'soon.'

Contractors don't go broke from losing money on jobs — they go broke waiting to get paid for profitable ones. We forecast what you'll actually collect, week by week, so pay apps, retainage, and sub payments stop being surprises.

Book an intro call

The cash problem in construction & trades

  • Pay applications lag 30–60 days behind the work — but field payroll clears every week.
  • Retainage is your money you can't spend; most contractors have no calendar for when it releases.
  • Pay-when-paid means one slow GC upstream can starve three subs downstream — including yours.
  • A growing backlog feels great and burns cash: mobilization costs land months before final payment.
The classic killer: a profitable contractor takes on two more jobs, fronts labor and materials for both, and hits a week where three payrolls land before any draw does. Our forecast shows that week in red — six weeks early.

You'll know, every Monday, whether you can cover the next six Fridays — and exactly which draw, release, or invoice to chase if the answer is ever no.

Cash in — what we forecast

  • Progress payments, by expected collection date
  • Retainage releases, by job
  • Deposits & mobilization payments
  • Change orders — approved and collectible
  • Line of credit draws, planned in advance

Cash out — what we track

  • Field & office payroll, benefits, payroll taxes
  • Subcontractors — timed against your draws
  • Materials & suppliers
  • Equipment payments & rentals
  • Insurance, bonding & loan payments
  • Quarterly taxes and owner draws

What you get every week

The Monday call

15–30 minutes. Your numbers, already prepared. We confirm what's landing, what slipped, and the one decision this week needs.

The report

Current position, 13-week outlook, what's spiking and why — with tight weeks flagged in red while there's still time to act.

A straight answer

"Can we take the job?" "Should we draw on the line?" You get a number-backed answer, not a shrug.

Plans from $500/month. See pricing.

Get started

Talk to us before your next tight week

A 20-minute intro call. We look at your situation, tell you honestly whether weekly forecasting will pay for itself, and show you a live example.

Book a call

Pick a time that works. This is the fastest path.

Schedule now

Email

We reply within one business day.

walter@thirteenweeks.io

Urgent cash issue?

Existing clients and time-sensitive situations.

(801) 724-1563