See your cash 13 weeks ahead and run collections the same way every week
A complete cash flow forecasting and collections toolkit for finance managers, accountants and owners of companies with 10 to 300 people: the method, the workbook, the forms, the policy and the exact words.
- A 10-chapter e-book teaching the two loops of the cash job: forecast weekly, collect daily, with one composite agency running through every chapter
- The 13-Week Cash Flow and Collections Workbook: 16 Excel sheets with a debtor ledger that ages itself and names the next action, receipts and payments by week, scenarios, variance, cash metrics and a live dashboard
- 4 fillable PDF forms and 6 Word templates, including 47 collection scripts and letters, a credit control policy with payment terms wording and 28 AI prompts
- A Start Here map, 3 cheat sheets including dated late-payment and e-invoicing notes by country, a 6-sheet credit limit and payment plan calculator, a 68-event calendar and a 42-task CSV
The Cash Flow Forecast and Collections System · Bodhih Pro Kits · 177 by Bodhih Training, trainers to 2,000+ companies since 2008.
How do I build a 13-week cash flow forecast?
Start from this morning's cleared bank balance, list every expected receipt and payment in the week the cash actually moves, and calculate a closing balance for each of the next thirteen weeks against a minimum you will act at. Each Monday, type the actuals, explain the gaps and roll forward a week. The Cash Flow Forecast and Collections Kit from Bodhih Training builds this in Excel.
Want the full free guide first? Read How to Build a 13-Week Cash Flow Forecast and Get Paid on Time.
You already feel the problem. Here is what it is costing you.
Profitable on paper, short at the bank
The management accounts show a healthy profit, the bank app shows less than next month's payroll. Nobody can say which week will be the tight one until it arrives.
Late payment is normal
The Atradius Payment Practices Barometer for Western Europe, published in May 2026, found nearly four in five companies reporting late payments from business customers. Planning as if customers pay on the due date builds a forecast that is always early.
Chasing depends on mood
Reminders go out when someone remembers, calls happen when someone is brave, and the largest customer is never chased because everyone is nervous of them. Nothing is logged, so promises are forgotten.
Invoices that cannot be paid
No purchase order number, a due date written as 'net 30', a portal upload that failed silently. The customer's accounts payable team parks the invoice and you find out a month later.
Credit decided by the salesperson
Terms and limits are agreed in the sales conversation, one customer quietly becomes a third of revenue, and nobody asked whether they were a good borrower.
The owner asks questions you cannot answer quickly
How long could we last? What would the bank say? Are collections getting better? The numbers live in the accounting software, three inboxes and someone's memory.
Picture the next few weeks with the kit open beside you.
Picture next Monday at 9.30. You open the workbook, type last week's actual receipts and payments, choose a reason from the list and write one line of lesson. The Cash Summary rolls forward a week, and the Dashboard shows the lowest week, the downside low point and how many weeks sit below your floor. The meeting takes thirty minutes because everything is already on the sheet.
Now it is Thursday morning. As you sort the Debtor Ledger by days overdue, each invoice already names its next step and the date it is due. You send the numbered scripts, make four calls with the call record in front of you, and log three promises with dates and amounts. On Monday the Dashboard tells you which promises to chase.
Imagine the conversation with your largest customer. The credit application is on file, the limit came from the calculator, and the invoice they queried had the PO number on it. The undisputed part is already paid, and the dispute has an owner and a target date.
And then the end of the month. Whether you start with the e-book tonight or the workbook tomorrow morning, the monthly cash report is the same two pages every time: a headline, the numbers, the risks with a lever ready for each, and the decisions you need from the owner.
19 files that do the work for you
The e-book shows you how. The tools make it happen. Here is exactly what you download.
The Cash Flow Forecast and Collections System (e-book, PDF)
The guide: methods, worked examples, scripts and exercises
Start here: cash flow and collections map
The whole cash job as twelve steps with the file to open at each, your first hour, a 30/60/90 day use plan and links to measure your starting point.
13-Week Cash Flow and Collections Workbook
16-sheet workbook: settings, 13 weeks, customer credit list, self-ageing debtor ledger with next action and date, ageing summary, receipts and payments forecasts, cash summary with minimum-cash flags, scenarios, collections log, dispute log, DSO/DPO/cash conversion cycle, variance and two dashboards (closing-balance line chart, ageing pie).
Credit Limit and Payment Plan Calculator
Six-sheet calculator: a five Cs credit limit with a concentration cap and deposit rule, a dated payment plan schedule with optional interest, and the cost and claimable interest on a late invoice.
Weekly cash meeting agenda and minutes
Three-page fillable form for the 30-minute Monday cash meeting: last week's actual versus forecast, the 13-week view and its low point, the top ten overdue accounts with owners and next actions, decisions, and a cash levers worksheet for weeks that need help.
Customer credit application
Two-page fillable form a new customer completes before you give credit: business details, ownership, bank and trade references, requested limit and terms, acceptance of your terms, and your internal five Cs assessment and decision.
Collections call record
One-page fillable record for every collections phone call: preparation, the call structure (open, ask, listen, agree, confirm), what was promised, objections met, and the follow-up written to the Collections Log.
Payment plan agreement
Two-page fillable agreement for an overdue balance: the debt acknowledged, deposit, instalment schedule (from the calculator), what happens if an instalment is missed, supply terms during the plan, and signatures.
Collections script and letter library
47 scripts, emails and letters for the whole collections sequence: invoice hygiene, the reminder sequence from friendly reminder to final notice, phone scripts for every objection, formal letters, disputes and short payments, payment plans, credit onboarding, thank-you notes and internal messages.
Credit control policy and payment terms wording
A one-page credit control policy your company can adopt (credit checks, limits, terms, deposits, the collections sequence, stop-supply rule, write-offs, who decides) plus sample payment terms wording for proposals and contracts, to be checked against local law.
Invoice and statement templates with required-fields checklist
A customer invoice layout, a credit note, a statement of account and a remittance request, each with a checklist of the fields that get an invoice approved first time, plus a country notes pointer for tax and e-invoicing fields.
Monthly cash report for owners and the board
A two-page monthly cash report: headline numbers, the 13-week low point and runway, receivables and collections performance, forecast accuracy, risks, decisions needed, with a filled example and a 'what the numbers mean' key for non-finance readers.
Worked example pack: Brightline Studio through 13 weeks
One composite case followed end to end: a 35-person agency sets up its forecast, finds a dip below the floor in week 7, runs the collections sequence on a large late customer, resolves a dispute, agrees a payment plan, pulls two levers and reports to the owner, with the forms shown filled in.
AI prompt pack for cash flow and collections
28 tool-agnostic prompts grouped by step of the job (set up the forecast, the weekly meeting, collections, credit control, invoicing, analysis and reporting, AI with human judgement), each with what to paste in and what to check before you use the output.
Collections decision card
If-this-then-that card by ageing bucket and by forecast week, with the library script numbers and three checks before any escalation.
Cash levers and mistakes to avoid
Twenty cash levers in the order to pull them (receipts, payments, financing) and twelve mistakes with the file that prevents each.
Late payment and e-invoicing notes by country (October 2026)
Dated quick reference to late-payment interest and compensation rules, payment-practice codes and e-invoicing requirements across the UK, EU, India, US, Singapore, Australia, the Gulf, Philippines, Kenya, Nigeria and South Africa.
13-week cash cycle calendar
68 calendar events for one full 13-week cycle: set-up days, the Monday cash meeting every week, promise checks, collections call slots, Friday reminders, monthly reports and the quarter review, each naming the file to open. Import into a new calendar starting on your week 1 Monday.
Collections task board import
42 tasks for the 13-week cycle as a CSV ready for Trello, Asana, Notion, Planner or Jira, with stage, week, owner, file to open and due date.
Chapter by chapter
Each chapter opens with a real situation, gives you a method and ends with something to do today, using the tools in your kit.
- Format
- PDF e-book + XLSX + fillable PDF + DOCX + printable PDF + ICS + CSV
- Files
- 19 files plus a one-click ZIP
- E-book
- 60 pages
- Workbooks
- 16-sheet forecast and collections workbook and 6-sheet calculator, with sample data, formulas and dashboards, any currency
- Works with
- Excel, Google Sheets, LibreOffice, Word, Google Docs, Acrobat Reader, GoodNotes, Google Calendar, Outlook, Apple Calendar, Trello, Asana, Notion, Planner, Jira
- Best for
- Companies of roughly 10 to 300 people, in any country and currency
Profit on Paper, Panic at the Bank
Why profitable companies run short of cash, and the two loops (forecast weekly, collect daily) that run the whole job.
Why Profit Is Not Cash
Where cash hides in a profitable company, what the research says about late payment, and how to set the floor you act at.
Building the 13-Week Forecast
Setting up a direct 13-week forecast from an opening bank balance, rolling it every Monday, and where it sits beside the budget.
Forecasting Receipts from the Ledger and the Pipeline
Forecasting receipts from evidence: a debtor ledger that forecasts itself, retainers and milestones, and an honest pipeline.
Forecasting Payments
Forecasting payments from real dates, and three controls that protect the payments side.
Scenarios, Variance and the Monday Cash Meeting
Downside and upside cases, variance with reasons and lessons, and a 30-minute Monday cash meeting with a fixed agenda.
Cash Levers and the Cash Conversion Cycle
Measuring DSO, DIO, DPO and the cash conversion cycle, and twenty cash levers pulled in the right order.
Credit Control: Deciding Who Gets Credit
Deciding who gets credit with the five Cs, a credit application, limits, a concentration rule and a one-page policy.
Invoicing That Gets Paid
Invoices built to pass the customer's accounts payable checks, portals, e-invoicing, statements and credit notes.
The Collections Sequence, from Friendly Reminder to Final Notice
A seven-step sequence by ageing bucket, the call that gets a date, disputes, payment plans, stopping supply and large late payers.
Reserves, Runway, the Bank and AI
Reserves and runway, working with the bank in plain words, lender ratios, the monthly owner's report, and AI with human review.
Thirteen Weeks Ahead
What changes when you can see thirteen weeks ahead, what to keep doing, and your first hour.
Cash Metrics and Terms, Defined
Plain definitions of every cash metric and term, matched to the workbook formulas.
Six Rules for Using AI in Cash and Collections
Six rules for using AI in cash and collections, with a prompt for drafting variance commentary.
Not just reading. Tools you will actually open again.
E-book
- The Cash Flow Forecast and Collections System: 10 chapters, 2 appendices and 6 hand-drawn figures (PDF, about 9,600 words)
Start here
- 00-Start-Here-Cash-Flow-and-Collections-Map: the job as twelve steps with the file to open at each, your first hour and a 30/60/90 day use plan
Spreadsheets
- 13-Week Cash Flow and Collections Workbook (16 sheets): Start here, Settings, Weeks, Customers, Debtor Ledger, Ageing, Receipts, Payments, Cash Summary, Scenarios, Collections Log, Disputes, Cash Metrics, Variance, Dashboard, Ageing View. The Dashboard carries 23 live measures and a closing-balance chart
- Credit Limit and Payment Plan Calculator (6 sheets): credit limit from the five Cs with a concentration cap, payment plan schedule, late interest and cost-of-delay estimate, summary
Fillable PDF forms
- Weekly cash meeting agenda and minutes, with a cash levers worksheet on page 3
- Customer credit application with an internal five Cs assessment
- Collections call record: preparation, the call, objections, promise and follow-up
- Payment plan agreement (sample wording, check local law)
Word templates
- Collections script and letter library: 47 emails, phone scripts, letters, dispute replies, payment plan messages, thank-you notes and internal messages
- Credit control policy (one page to adopt) and sample payment terms wording for contracts
- Invoice and statement templates with a required-fields checklist
- Monthly cash report for owners and the board, with a filled example
- Worked example pack: Brightline Studio, a composite 35-person agency, through 13 weeks
- AI prompt pack for cash flow and collections: 28 prompts, each with what to paste in and what to check
Cheat sheets
- Collections decision card: if X, do Y by ageing bucket and by forecast week
- Cash levers and mistakes to avoid: twenty levers in order and twelve mistakes
- Late payment and e-invoicing notes by country, dated October 2026
Calendar and import
- 13-week cash cycle calendar (ICS): 68 events for Google Calendar, Outlook or Apple Calendar
- Collections task board import (CSV): 42 tasks for Trello, Asana, Notion, Planner or Jira
When you have worked through it, you will be able to…
Every outcome is practised with a worked example and a tool, not just described.
- Build a direct 13-week cash flow forecast from your bank balance and real dates, and roll it every Monday
- Set a minimum cash floor and see, weeks in advance, which week dips below it
- Forecast receipts from your debtor ledger, contracts and pipeline using how late customers actually pay
- Run a 30-minute Monday cash meeting with a fixed agenda, variance reasons and decisions
- Measure DSO, DPO, DIO and the cash conversion cycle, and choose cash levers in a sensible order
- Decide credit limits and terms with the five Cs and a written policy
- Run a numbered collections sequence with scripts, letters, a call record and a promise log
- Report cash to the owner or board monthly in the same two-page shape
Know your starting point. Prove your progress.
People who measure before and after improve faster and can show it. AssessAll, our sister assessment platform, has AI-graded assessments that pair with this kit. Take one now, work through the kit, then re-take it.
Four Quarters: Financial Judgement for Managers Who Are Not in Finance
Take the assessment →AssessAll assessmentFinancial & Collections Account Readiness — Contact Centre
Take the assessment →AssessAll assessmentBusiness Arithmetic — %, Profit & Loss, Interest
Take the assessment →JobularyHow a Jobulary development plan works
Make it a growth plan →A taste of Chapter 6
Open Cash Metrics. Days sales outstanding (DSO) is receivables divided by revenue for the period, times the days in it. Brightline's 52 lakh of receivables against 150 lakh of revenue in 90 days gives a DSO of 31 days on 30-day terms. That sounds fine until the next line: best possible DSO, if nothing were overdue, is 14 days. The seventeen-day gap is cash that collections can recover. Cutting DSO by five days releases revenue per day times five: 8.3 lakh for Brightline, a third of a payroll, for no new sales. Days payables outstanding (DPO) is payables divided by purchases, times the days; days inventory outstanding (DIO) is stock or work in progress divided by purchases, times the days. The cash conversion cycle is DSO plus DIO minus DPO. Brightline's is about 13 days, good for an agency; a distributor holding ninety days of stock on thirty-day terms might run at sixty or more. Track it monthly: one number for customers, stock and suppliers, each part movable separately.
The honest comparison
| Free templates and typical advice | This kit | |
|---|---|---|
| The forecast | A monthly spreadsheet built once and forgotten | A direct 13-week forecast, rolled every Monday, with a floor, scenarios and variance reasons |
| Receipts | Invoice dates or due dates | A ledger that forecasts each invoice from the due date plus how late customers actually pay, or the promise date |
| Collections | A reminder template or two | A seven-step sequence by ageing bucket with 47 numbered scripts and letters, a call record and a promise log |
| Credit | Terms agreed in the sales conversation | Credit application, five Cs calculator, concentration cap and a one-page policy |
| Country rules | Assumes one country, or none | Principles in the book; dated notes on late payment and e-invoicing for the UK, EU, India, US, Singapore, Australia, the Gulf and Africa |
| AI | Not mentioned | 28 prompts for variance, forecasting and drafting, with rules on what a person must decide |
| Reporting | Profit only | A monthly two-page cash report: floor, low point, runway, DSO, overdue share, risks and decisions |
Made for you if…
- Finance managers and accountants in industry who own cash and collections
- Founders and owners of companies with roughly 10 to 300 people who want to know which week is the dangerous one
- Office and admin managers who have inherited invoicing, chasing and the bank
- Bookkeepers and fractional CFOs who want one repeatable cash routine for several clients
- Credit controllers building a collections process from scratch
- Teams selling across countries, including India, the UK, the US, the Gulf, Singapore, the Philippines, Africa and Australia
Probably not for you if…
- Anyone looking for tax, investment or legal advice: the kit teaches method and points you to your accountant, auditor and local law, with country notes dated October 2026
- Readers who need bookkeeping basics or a chart of accounts: Small Business Books in a Box covers that ground
- Large groups with a treasury team and an enterprise forecasting system already in place
Built by trainers, tested in real rooms.
Bodhih Training has designed and delivered corporate programmes since 2008. Bodhih Pro Kits package what works in those workshops into a guide plus the exact tools we use, so you can apply it the same day without a facilitator in the room.
From here to using it in three steps
- STEP 1
Tap Get the kit
Name, email and country. UPI, card or netbanking in India; international cards everywhere else. No account to create.
- STEP 2
Download instantly
Your download page opens at once, with every file and a one-click ZIP. A permanent link lands in your inbox too.
- STEP 3
Open the first tool
Start with the quick-start chapter, then the main spreadsheet or planner. Most buyers use something from the kit the same day.
Know which week is the dangerous one before it arrives
Open the Start Here map, type your bank balance and floor into Settings and load your open invoices. Whether you begin with the e-book this evening or the workbook on Monday morning, your first hour is already planned.
Personal licence for the buyer's own use (and use with your own team or clients where the kit says so). Please don't share or resell the files. Team and company licences: solutions@bodhih.com.
What buyers say
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250+ AI-graded assessments to measure skills and earn verified credentials.
Jobulary
Individual development plans that start from evidence and stay yours.
Bodhih Training
Run this topic as a live workshop for your team, in person or online.
Pewple
Book a vetted coach for career, leadership or communication. Pay per session.
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The Cash Flow Forecast and Collections System: FAQs
Read the free guideAlready bought? Resend my linkWhat is a 13-week cash flow forecast?
It is a week-by-week forecast of the money that will actually arrive and leave your bank for the next thirteen weeks, starting from today's cleared balance. Each week shows receipts, payments and a closing balance, compared with a minimum you will act at. It is rolled forward every week, so the horizon always stays a quarter ahead.
How do I get customers to pay on time?
Decide credit before the work starts, send invoices that pass the customer's checks (PO number, due date as a date, the right address or portal), remind before the due date, and follow a dated sequence of emails, calls and letters that you log every time. The kit gives you the policy, the invoice checklist, the sequence and the words.
What is a good DSO for a small business?
It depends on your terms and sector, so compare DSO with your own payment terms and with your best possible DSO, the figure if nothing were overdue. The gap between the two is the cash that collections can recover. The Cash Metrics sheet calculates both and the cash released by cutting DSO by five days.
Can I charge interest on late payments?
In some countries the law gives businesses a right to statutory interest on late commercial payments; elsewhere it depends on the contract and local law. The kit keeps the specifics in a cheat sheet dated October 2026 and the calculator estimates the amount, but check your contract, your accountant and local law before you claim it.
How should AI be used in cash flow and collections?
AI assistants are useful for spotting variance patterns, drafting reminders and dispute replies, preparing for hard calls and drafting the monthly report narrative. A person decides escalation, interest, suspension, credit limits, payment plans and write-offs, and checks every number and legal claim. The prompt pack has 28 prompts with what to paste in and what to check.
Is this financial, tax or legal advice?
No. The kit is educational: it teaches a method and gives you tools to run it. Tax dates, interest rules, e-invoicing requirements and recovery routes differ by country and change often, so check your accountant, auditor and local law before acting.
How do I measure my starting point?
AssessAll offers assessments that match this kit: Four Quarters: Financial Judgement for Managers Who Are Not in Finance; Financial and Collections Account Readiness; and Business Arithmetic: Percentages, Profit and Loss, Interest. Take one before you start and again after a quarter of running the method. Links are on the Start Here map; the assessments are separate products and not included.
How do I turn this into a development plan for my team?
Pick the two or three skills that matter most in your team, such as reading the forecast, making collection calls or deciding credit, and build practice around them with the scripts and worked example. Jobulary explains how its development plans work, and the link is on the Start Here map.
Which software do I need?
The workbooks open in Excel, Google Sheets or LibreOffice and use no macros. The forms fill in Acrobat Reader and most PDF apps, the templates open in Word or Google Docs, the calendar imports into Google Calendar, Outlook or Apple Calendar, and the CSV imports into Trello, Asana, Notion, Planner or Jira.
What is the refund policy?
Digital kits are non-refundable once downloaded. The exceptions are corrupted files that are not fixed within 3 working days, duplicate charges, or failed delivery.
How much does The Cash Flow Forecast and Collections System cost?
₹1,299 including 18% GST for buyers in India, or $34 for buyers outside India. One-time payment, no subscription, with an automatic invoice.
How do I get the files after paying?
Instantly. Your download page opens the moment payment succeeds, and a permanent download link is emailed to you. Download each file separately or everything in one ZIP.
What software do I need?
Any of the usual tools: Excel or Google Sheets for spreadsheets, Word or Google Docs for templates, Adobe Acrobat Reader, Preview, Xodo or GoodNotes for the fillable PDFs, and Google, Outlook or Apple Calendar for the calendar plan.
Can I get a refund?
Because it is a digital download, kits are not refundable once downloaded. We always refund a duplicate charge or a failed delivery, and if a file is corrupted and we cannot fix it within 3 working days. Full terms: bodhih.org/refunds.
Can my company buy this for a team?
Yes. Team and company licences, and workshops on this topic run by Bodhih Training, are available. Write to solutions@bodhih.com or call +91 99000 11601.
