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13-week cash flow forecasting for wholesale & distribution

Your cash isn't missing. It's sitting on the shelf.

Distributors watch profits climb while the bank account shrinks — because every dollar of growth gets buried in inventory and receivables. We time supplier POs against real collections so the cash conversion cycle works for you.

The cash problem in wholesale & distribution

  • A big PO is cash gone today for goods that sell through over months — the P&L never shows the sting.
  • Customers take 30–60 days; suppliers want 30 or sooner. You bank the difference — or borrow it.
  • Seasonal builds demand cash exactly when the line of credit is already stretched.
  • Early-pay discounts are free margin — if you can see far enough ahead to take them safely.
The 2% early-pay discount is one of the best returns in your business — but only when the 13-week view proves the cushion survives it. We flag every safe discount window in advance.

You'll know which POs the cash supports, when the seasonal build needs the line, and which discounts to take — weeks before each decision is due.

Cash in — what we forecast

  • AR collections — by customer, at real paying speed
  • Customer deposits & prepayments
  • Line of credit draws, planned not panicked

Cash out — what we track

  • Inventory purchases — timed against collections
  • Freight & shipping
  • Payroll, benefits & payroll taxes
  • Rent & warehouse costs
  • Loan & line of credit payments
  • Sales & income taxes, 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