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AI agent for director of finances

13-Week Cash Flow Forecast Agent

An updated 13-week cash forecast with variances explained and shortfalls flagged

Budgets and moneyForecastingFinanceManagement
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13-Week Cash Flow Forecast Agent: what goes in, what the agent does and what you get

What it does

Finance leaders need to see a cash shortfall weeks ahead, but rolling the 13-week forecast by hand takes a full day. This agent rolls it forward each week. It loads actual cash from bank data, compares it to last week's forecast and explains the biggest variances by line: customer receipts, payroll, vendor payments and debt service. It then rebuilds the next 13 weeks from open receivables, payables, payroll calendars and known one-offs. It checks every week against the policy floor and covenant needs. If a week dips below the floor, it tests at least two options, such as delaying discretionary spend or drawing on the credit line, and shows each effect. The finance leader approves the forecast and any action. Edge case: a large customer pays early, so the agent removes that receipt from later weeks instead of counting it twice.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedNo 1 STARTS WHEN Week closes 2 USES A TOOL Load bank actuals and last forecast 3 DOES Explain variances above threshold by line 4 USES A TOOL Rebuild 13 weeks from AR, AP and payroll 5 CHECKS THE RESULT Does every week stay above the cash floor? If not: model options such as timing shifts or linedraws and rerun the forecast. Back to step 4. 6 DOES Write a one-page summary with options 7 YOU APPROVE Finance leader approves forecast and actions 8 RESULT Forecast and variance note shared
Read the steps as a list
  1. Week closes
  2. Load bank actuals and last forecast
  3. Explain variances above threshold by line
  4. Rebuild 13 weeks from AR, AP and payroll
  5. Does every week stay above the cash floor?If not: model options such as timing shifts or line draws and rerun the forecast. Back to step 4.
  6. Write a one-page summary with options
  7. Finance leader approves forecast and actionsThe agent waits here for your OK.
  8. Forecast and variance note shared

How it decides

It forecasts receipts from customer payment patterns and payments from due dates, then compares each week's ending cash to the minimum balance.

  • Variance above $50,000 or 10%: explain in the summary
  • Customer receipts based on each customer's average days to pay
  • Week below floor: show at least two options

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Cash floor amount
  • Variance threshold for commentary
  • Which entities and accounts to include
  • Forecast day and owner

What keeps you in control

It always asks you first

  • Publishing the forecast
  • Drawing on the credit line or delaying payments

Hard limits

  • Never moves money
  • Never changes the debt schedule

It stops when

  • Done: forecast approved
  • Stop: bank data missing for the week

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 minfor a test run on sample data
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • Sample data with planted problems, and the correct result, so you can test it before using real data
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensFor the week ending September 12, receipts came in $310,000 under forecast because two customers paid late. The rebuilt forecast showed week 6 at $0.8 million against a $1.5 million floor, so the check failed. The agent modeled delaying a $500,000 equipment payment and a $300,000 line draw and reran the weeks. The CFO approved the delay, which kept every week above the floor.

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