See cash problems coming, not after the cash is gone.
Confident Decisions is Kellcat’s cash flow advisory layer. You get a Cash Map (a rolling 13-week view of cash in and out, plus a simple plan for where your money goes), weekly KPI and cash reports, and up to two calls a month to decide next steps, so you can steer before problems hit.
Confident Decisions fits when you…
What your 13-week cash forecast shows.
A cash forecast isn’t a guess at next year. It’s a week-by-week map of the cash you have, the cash coming in and the cash going out over the next quarter, updated every week with what actually happened.
Starting cash, every week
Each week begins with your real bank balances, not last month’s profit, so the forecast starts from the truth.
Money coming in
Open invoices by when customers actually tend to pay, recurring revenue, deposits and expected sales, week by week.
Money going out
Payroll dates, rent, loan payments, card payments, vendor bills and owner pay, placed in the weeks they really leave the bank.
The big one-time items
Insurance renewals, annual subscriptions, equipment, and the estimated tax payments your CPA has set, so they never land as a surprise.
Your cash floor
The minimum balance you want to keep. Any week that dips below it is flagged early enough to do something about it.
Forecast vs. actual
Each week the forecast is compared with what really happened, so it gets sharper the longer you use it.
Everything in Confident Decisions.
Kellcat brings the numbers and the insight. You make the call.
Everything in Clear Picture
Custom dashboards with early-warning targets, KPI reports and your monthly video walkthrough.
Your Cash Map
A simple plan for where your money goes (taxes, owner pay, reserves, growth), with a rolling 13-week view of cash coming in and going out.
Weekly KPI and cash reports
Where your cash is today and what your key numbers are saying, every week.
Rolling 13-week cash forecast
Updated every week, so you can see a tight month coming while there’s still time to act.
Quarterly forecast
A forecast of revenue, costs and profit, reviewed each quarter.
Up to two calls a month
Up to two calls a month, scheduled when you want them, to review your cash and decide next steps, with one each quarter becoming your KPI review.
Questions you’ll be able to answer.
- Can we afford to hire next month, or should we wait a quarter?
- When is the right week to order inventory or buy equipment?
- Can I take an owner distribution this quarter without squeezing payroll?
- Do we need a line of credit, and how much?
- What happens if our biggest customer pays 30 days late?
What you’ll receive.
- A weekly cash report: where cash stands and what changed
- Your updated 13-week forecast, with any tight weeks flagged
- A weekly KPI report from your live dashboard
- A short list of recommended next steps
- Your Cash Map: a simple plan for where your money goes (taxes, owner pay, reserves, growth)
Reviewed with you on calls you schedule (up to two a month), with a quarterly KPI review counting as one of them.
Profit isn’t cash
A profitable month can still leave you short. Customers pay late, loan principal and owner draws don’t show on your profit and loss, and big bills don’t arrive evenly. The forecast shows the timing your P&L can’t. For yearly planning and “what if” scenarios, see budgeting and scenario planning.
How Confident Decisions starts.
- Step 1 · Free
Discovery Call
Talk through your cash, your goals and the decisions ahead.
- Step 2 · In writing
Proposal
The one-time build fee and monthly fee in writing within a week of your call.
- Step 3 · Days 1–90
Build and advise
Data audit, custom dashboards and your Cash Map and forecasts, fine-tuned with you.
- Step 4 · Every week
Steer
Weekly KPI and cash reports, the 13-week forecast and up to two calls a month to decide next steps.
Cash flow forecasting questions.
What is a 13-week cash flow forecast?
A week-by-week projection of cash coming in and going out over the next three months. Kellcat updates it every week, so you can see a shortfall coming and adjust before it happens.
Do I need clean books first?
Yes. Forecasts are only as good as the books behind them. Kellcat can keep your books or bring them current, or your current bookkeeper can stay on.
Is this the same as a fractional CFO?
Confident Decisions focuses on cash: your Cash Map (a rolling 13-week view plus a plan for where your money goes), weekly reporting and up to two calls a month. Kellcat provides clarity and direction, not tax advice or guaranteed outcomes.
How much does it cost?
There’s a one-time dashboard build and a monthly fee. Both are confirmed in writing after your free Discovery Call.
Why 13 weeks?
Thirteen weeks is one quarter. It’s long enough to see payroll cycles, quarterly tax payments and big bills coming, and short enough to stay accurate week to week.
What is a cash floor?
The minimum amount you want in the bank at all times. The forecast flags any week where cash is projected to fall below it, so you can move a payment, collect sooner or line up credit ahead of time.
Why do I have profit but no cash?
Profit and cash move on different timelines. Unpaid invoices, inventory, loan principal payments and owner draws all use cash without showing up as expenses on your profit and loss. The forecast shows where the cash is actually going.
Can I keep my own bookkeeper?
Yes. Confident Decisions can run on books kept by your current bookkeeper, as long as they’re reconciled and up to date each month. Kellcat can also keep the books for you.
Why is availability limited?
Confident Decisions is limited to a small number of clients at a time, so every engagement gets full attention.
Where this fits in the three layers.
Local in-person meetings across the south Denver metro: Littleton & south Denver · Highlands Ranch · Centennial · all service areas. Remote service nationwide.
Know where your cash is going, three months out.
Book a free Discovery Call to talk through your cash and the decisions ahead.