Why 13 weeks instead of a monthly or annual forecast?

Thirteen weeks, roughly one quarter, is the window most businesses need to catch a cash problem while there is still time to act on it, and weekly detail catches timing gaps that a monthly view smooths over. Longer-range annual budgeting is still useful, but it works at a different altitude and does not replace the weekly view.

How often does the forecast get updated?

We typically update the forecast weekly, replacing projected numbers with actuals as they come in and rolling the horizon forward so you always have 13 weeks of visibility ahead. This keeps the forecast accurate instead of stale after the first few weeks.

Can cash flow forecasting help us avoid drawing on our line of credit as often?

Yes, seeing shortfalls coming several weeks out often lets you shift the timing of a payment or accelerate a collection instead of drawing on a line of credit, which reduces interest cost over the year. When a draw is still needed, the forecast tells you exactly how much and for how long.

Do you need access to our bank accounts to build this?

We need read-only access or regular exports of your bank and accounting data to build and maintain an accurate forecast, but we do not need transaction authority over your accounts. Most clients connect us through their existing accounting software or provide secure read-only bank feeds.

CFO Services

Cash Flow Forecasting Services

See the slow season coming three months before the bank account gets thin, so payroll and the truck payment are never a surprise.

Built for HVAC, plumbing, electrical, and mechanical contractors running trucks, techs, and service agreements out of QuickBooks Online, ServiceTitan, and Housecall Pro.

Schedule Your Free Strategy Call (559) 203-3450

What sends contractors looking for this

A strong summer turns into a cash-tight winter every year

AC and install revenue peaks in the summer and drops off through the fall and winter, but payroll, insurance, and van payments keep going year round. Without a week-by-week view of cash, a shop spends the summer's income as it comes in and finds itself short by January, even though the year as a whole was profitable.

A 13 week cash forecast, rebuilt weekly from your ServiceTitan or Housecall Pro job schedule and QuickBooks payables, shows the exact week the reserve runs thin, months before it actually happens.

Shops that get surprised by the winter cash dip typically end up drawing a line of credit at 18 to 24 percent interest to cover payroll, a cost that a reserve set aside during the summer would have avoided entirely.

We don't know if we can afford to buy that customer list or that van right now

A competitor's customer list, a new service van, or a second dispatcher all cost money the week you commit, not the month the benefit shows up. Owners often check the bank balance, see enough to cover the purchase, and sign, without checking whether payroll and a materials bill are both due the same week.

Running the purchase through the rolling forecast shows exactly which week cash gets tightest after the commitment, so you know before signing whether the timing actually works.

Purchases made without checking the forecast commonly land the same week as a tax payment or a slow collection period, forcing an emergency draw on a credit line or a delayed vendor payment that damages terms at the supply house.

How we fix each of those

01
A weekly forecast built off your job schedule, not guesswork
We build a 13 week cash forecast tied to your ServiceTitan or Housecall Pro job schedule, QuickBooks payables, payroll calendar, and van or equipment loan payments, and we update it every week as actual receipts and bills come in, so the forecast stays accurate instead of stale.
02
Testing a van, list purchase, or new hire before you commit
Before you sign for a new van, buy a competitor's customer list, or add a position, we run that cost through the forecast and show you the exact week cash gets tightest afterward, so you decide with the real number in front of you instead of a bank balance check.

Everything included

Weekly 13 week rolling cash flow forecast
ServiceTitan or Housecall Pro job schedule and QuickBooks payables integration
Payroll, insurance, and equipment loan scheduling built into the model
Seasonal reserve tracking for the slow shoulder months
Scenario testing for vans, customer list purchases, and new hires
Monthly summary tying the cash forecast back to job profit

Work that pairs with this

Fractional CFO

A part-time CFO for HVAC, plumbing, and electrical shops who tells you what a third crew, another van, or a competitor's customer list will actually do to your cash, without a six-figure salary.

View Fractional CFO

Budgeting and Forecasting

A marketing and labor budget built around your booking season, checked against real numbers every month instead of forgotten after January.

View Budgeting and Forecasting

Lender and Investor Support

Financials that hold up when a bank underwrites your next van loan or a buyer starts digging into the business before you sell it.

View Lender and Investor Support

Contractors who have already done this

Real Google reviews from owners we work with, next to the engagements behind the numbers.

Google review
As a home services company, I feel that High Velocity Accounting has elevated our business to the next level. We are able to dig deeper into our numbers, report accurately and make adjustments where needed. They are very responsive, detail oriented and an extension of our team.
Cathleen Helin
Owner, Home Services
Clovis, CA
Case study
How a Construction Company Cleaned Up Two Years of Books and Financed New Equipment
Construction · $2.8M - $4.1M annual revenue
Books brought current
22 months
Equipment loan approved
$680,000
Read the full breakdown
Google review
I have been so genuinely pleased with High Velocity Accounting's services. I feel I have an extension of our team in Brett and his team. They always make time for my questions and look for strategic ways to build our businesses mutually. I rest easy knowing our books are kept in good order and our taxes are prepared professionally. I never hesitate to recommend this firm to any service business owners looking for professional book keeping and tax services.
Texas Medley
Owner, Service Contracting
Clovis, CA
Google review
We have been using High Velocity Accounting for a couple years now and are so thankful for their service! They are meticulous, thorough, dependable and always ready to deal with a curveball. Kind, patient, gracious. Thank you for your service and the relationship we've developed together.
Grant Schoenberger
Client, Trades
Clovis, CA
Google review
Brett Neal has been our family's accountant for over six years now, because he is the most dependable professional in this business. We started with Brett as two separate single-filers with simple W-2's and quickly graduated to a married couple having multiple types of complicated business/tax filings. Brett took every shift in stride; every transition has been carried out smoothly and without any hiccups. Trust that this is the guy for all your filing, bookkeeping, and financial consulting needs.
Alyssa Cotrina
Business Owner, Trades
Clovis, CA

Where we do this work

Our office is in Clovis and we work with home services contractors across the Central Valley and nationwide. Pick your city to see how cash flow forecasting works for shops in that market.

Not on the list? We run every engagement over QuickBooks Online, ServiceTitan, and Housecall Pro, so distance does not change the work. Call (559) 203-3450.

Talk to a CPA who will actually pick up the phone

Start with a 30-minute consultation at no cost. You will leave it knowing what the work involves, what it costs, and what happens next.