Today's Agent Skill: Cash Flow Forecast Builder
What It Does
Running out of cash is the leading cause of small business failure — not lack of customers, not bad products. A 13-week rolling cash flow forecast is the single most important financial tool a small business owner can maintain, and this skill builds one from the revenue and expense data you already have.
How It Works
The agent takes your projected income by source and timing and your expected expenses by week and builds a rolling 13-week forecast showing opening balance, inflows, outflows, and ending balance for each week. It flags any weeks where cash falls below a user-defined minimum and identifies the earliest decision point so you have time to act.
How to Deploy It
Add the SKILL.md to your agent's skills folder and provide your current cash balance plus projected income and expenses. Works with Claude Code, Gemini CLI, Cursor, and Windsurf. For ongoing forecasting, export your actuals monthly from QuickBooks or Wave and feed them in to keep the forecast rolling forward.
SKILL.md — Ready to Deploy
## Description
Build a 13-week rolling cash flow forecast from the user's revenue projections and expense schedule, flagging weeks where cash falls below the minimum acceptable threshold.
## Trigger
User provides cash balance, income sources, and expense list and asks for a cash flow forecast, projection, or runway estimate.
## Input
- opening_balance: Current cash balance in dollars
- income_items: List of expected income with amounts and timing (e.g., "Client A invoice $4,200 expected Week 2", "recurring subscription revenue $1,800 per week")
- expense_items: List of expected expenses with amounts and timing (e.g., "rent $3,500 Week 1", "payroll $6,200 every two weeks", "inventory restocking $1,000 Week 3 and Week 7")
- minimum_cash_threshold: The lowest cash balance the owner considers acceptable (default: $5,000)
- weeks: Number of weeks to forecast (default: 13)
## Steps
1. Build a week-by-week table from Week 1 through Week 13 or the requested period.
2. For each week, calculate: Opening Balance, Total Inflows, Total Outflows, Net Cash Flow, Closing Balance.
3. Apply recurring items every period they are due; note one-time items in their specific week.
4. Identify any weekCopy the full SKILL.md and drop it into your agent's skills directory to activate this skill.