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13-week cash flow forecasting for staffing agencies

You pay temps every Friday. Clients pay you in 45 days.

Staffing has the purest cash-timing problem in business: payroll is weekly and sacred, receivables are big and slow, and every new client widens the gap before it pays a dime. We keep the gap measured, funded, and boring.

Book an intro call

The cash problem in staffing agencies

  • Temp payroll, taxes, and workers comp clear weekly — roughly 70% of revenue, out the door first.
  • Client payments arrive in 30–45 days, and your biggest accounts are often your slowest.
  • Winning a large new client makes cash worse for two months before it makes anything better.
  • Payroll funding and factoring fix timing — at a fee that quietly eats margin if unwatched.
Growth is the trap: every placement you add is payroll you fund today against an invoice that pays in six weeks. Our forecast shows exactly how much growth your cash can carry — and when to arrange funding before you need it.

Every Monday you'll see whether you can cover the next six payrolls, what the new contract really does to cash, and the cheapest way to bridge any gap.

Cash in — what we forecast

  • Client invoice collections, by account and timing
  • Payroll funding / factoring advances
  • Permanent placement fees — never counted before they land

Cash out — what we track

  • Temp & contract payroll — weekly, sacred
  • Payroll taxes & workers comp
  • Internal staff payroll & benefits
  • Factoring fees, tracked as their own line
  • Insurance & overhead
  • 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