We can't see the cash coming, only the cash gone
The programme says one thing, the bank says another, and nothing joins them up.
What's happening?
The accounts show what has been spent and the bank shows what is left; neither says what next month holds. Cash on a contracting job is drivable from the programme - valuations, certificates, retention movements and subcontract liabilities all sit on dates - but nothing joins those dates to money, so the crunch arrives as a surprise the programme had been announcing for months.
The forecast is the join: money in against money out, on dates, driven by the programme rather than by hope. Kept monthly, it answers the questions that matter while there is still time to act on the answers - which month pinches, what moves if the certificate slips, whether the new job's outlay lands on top of this one's trough.
The template is the working shape; the forecasting service builds it against your programme and keeps it honest as the dates move.
The solution
Next month's cash visible this month.
If you would rather it were done for you, Cashflow Forecasting Against Programme is the service that does it.