Agent skill · business finance · onewave-ai
cash-flow-forecaster
Build a 13-week rolling cash flow forecast from bank exports, AR aging, AP bills, payroll, and recurring commitments -- the report that tells a small business whether it survives the quarter. Flags the crunch weeks early enough to act.
Why this skill is useful
Adds a detailed cash flow forecasting workflow with specific commands and scenarios that the AI wouldn't reliably generate on its own.
What it needs
Requires bash installed locally. About 2k tokens when loaded. Last updated 2026-07-15. 242 stars on the source repository.
What this skill does
Cash Flow Forecaster Profitable businesses die of cash starvation; the 13-week forecast is the instrument that prevents it. Input: bank/transaction exports (.csv/.xlsx), open invoices (AR), upcoming bills (AP), payroll schedule, and known recurring items. Output: a week-by-week cash position with the crunch points circled. Workflow 1. Establish the baseline. Current cash across accounts (from the most recent export -- state the as-of date prominently). Reconstruct 8-12 weeks of history to learn the rhythm: payroll cadence, rent day, typical weekly card/vendor spend, revenue deposit patterns. 2. Schedule the knowns. Inflows: open AR placed in the week each invoice is likely paid -- due date plus that customer's historical lateness, not the due date printed on the invoice. Outflows: payroll (with tax deposit timing), rent, loan payments, insurance, subscriptions, credit card due dates, quarterly estimated taxes -- the ambush everyone forgets. 3. Model the unknowns. Recurring-but-variable spend from historical averages, labeled ESTIMATE. New revenue only if the user provides expected deals -- never invent pipeline. 4. Build the forecast. cash-flow-13wk.csv + summary: weekly beginning cash, inflows, outflows, ending cash. Flag every week ending below the user's minimum comfort level (ask; default one payroll cycle) as CRUNCH, and the first crunch week is the headline. 5. Scenario the levers. For each crunch: what closes the gap -- which specific AR to chase this week (pairs with cowork-invoice-chaser), which AP can slide two weeks without damage, where the line of credit covers, what the owner draw pause buys. Concrete moves with amounts, not advice-shaped sentences. Rules Payment behavior beats due dates: a net-30 customer who pays in 55 days forecasts at 55. Never fabricate inflows. Hope is not a week-9 deposit; unconfirmed revenue stays out or sits in a clearly separated optimistic scenario. …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills onewave-ai/cash-flow-forecaster