If there’s one tool that separates agency owners who sleep at night from those who stare at the ceiling—it’s a cashflow forecast.
Because when you’ve got a clear view of what money’s coming in (and what’s going out), you can plan ahead with confidence. No nasty surprises. No last-minute scrambles. Just the data you need to make smart, steady decisions.
Here’s why cashflow forecasting is worth your attention—and how to make it work for your agency.
🔮 Cashflow forecasting = clarity
Forecasting your cash position over the next 3, 6, or 12 months helps you answer the big questions:
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Can I afford to hire?
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Will we run short during the quiet season?
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What if a big client pays late?
By projecting your inflows and outflows, you get to scenario-plan different versions of the future—so you’re not reacting to problems, you’re ahead of them.
🧰 6 ways to get more from your forecasts
1. Keep it fresh
Cashflow forecasts should be living, breathing documents. Markets change. Clients delay payments. Costs creep. That’s why updating your forecast regularly (weekly or monthly) is essential if you want it to stay useful.
2. Use tools that do the heavy lifting
Apps like Float, Futrli, and Fathom, plug directly into Xero and give you a real-time, visual overview of your cash position. No more clunky spreadsheets. Just insights you can act on.
3. Explore new revenue streams
Forecasts make it easier to spot when you’ll need a boost in income. That could mean launching a new service, revising your fees, or upselling.
4. Cut the fluff
When you spot a shortfall coming, trimming costs becomes more targeted. Look at subscriptions, supplier costs, unused tools—anything that’s not mission-critical can probably go.
5. Rethink your resource planning
You don’t need to rush into redundancies. But reviewing team structures, reducing hours especially freelancers, or reallocating work can reduce payroll pressure without losing your people.
6. Scenario plan like a boss
What happens if sales drop by 20%? Or if you win that big retainer? By tweaking your assumptions and running multiple scenarios, you’ll feel more prepared—and more in control.
💸 Funding on the horizon?
If your forecast shows a gap you can’t bridge, it’s time to explore funding options before the pressure mounts. From government grants to alternative lenders, we can help you map out the best path forward.
👋 Ready to take control?
Cashflow forecasting isn’t just about survival—it’s about strategy. It gives you the confidence to grow, invest, and lead your agency with clarity.
Need help setting it up? Let’s chat.
We’ll help you get the right tools, the right numbers, and a cashflow forecast you can actually rely on.
🙋♀️ FAQ
What is a cashflow forecast?
A cashflow forecast is a projection of your income and expenses over a set period. It helps you predict your financial position and avoid cash shortages.
Why is cashflow forecasting important for agencies?
Agencies often deal with irregular payments and project-based income. A forecast helps you plan for slow periods, late invoices, and future hires.
What tools can I use for cashflow forecasting?
Popular options include Float, Futrli, and Fathom—all of which integrate with Xero and offer real-time visibility.