Cash flow forecast template is one of those phrases that sounds a bit finance-y until you’ve had a week where three things hit at once: payroll, a GST/HST remittance, and a supplier payment you forgot was due. Then it becomes very real, very fast. In my experience working with Canadian owner-managed businesses, most cash flow stress is not caused by a bad year. It’s caused by bad timing inside a decent year. A 12-week forecast fixes that because it’s short