Cash Flow (FREE)

Categories: Finance
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About Course

Your Business Can Be Profitable and Still Run Short on Cash. Sales are coming in, but a big bill, late payment, or slow month can still leave you wondering whether there’s enough money to cover what’s next. This free cash flow course helps you build a practical system for understanding your cash position, anticipating shortfalls, and making decisions with greater confidence. The six course sections include five teaching modules and a final assignment. You’ll turn the lessons into tools and habits you can use in your own business. Inside, you’ll learn how to:

  • Understand the difference between profit and available cash.
  • Build a 13-week cash flow forecast to spot potential gaps early.
  • Create a repeatable tax-reserve routine using estimates and dates appropriate to your business.
  • Improve payment follow-up and plan for seasonal slowdowns.
  • Keep your forecast current with a weekly 15-minute money check-in.

Each module includes a framework or template and an action step to help you put what you learn into practice. You’ll also get a ready-to-use 13-week cash flow forecast spreadsheet to help you get started. Give yourself a clearer view of what’s coming and more time to prepare. Enroll for free and start building your cash flow system today.

Prefer an online planning workspace? The optional Cash Flow Planner subscription lets you compare scenarios, save forecasts and track actuals. This course and its spreadsheet remain free; the planner is a separate paid tool.

Closing cash is the cash left at the end of a week.

Your Practice Plan

Use your own approved records or a fictional store. Keep one currency and account scope throughout. The lessons retain their original explanations and checks, with additional ecommerce examples and store exercises. Build a dated forecast, reserve note, assumptions record, delay scenario, daily check of the tightest week, and an action log.

Download the free 13-Week Cash-Flow Forecast spreadsheet (.xlsx). Keep an untouched template and a practice copy. Check the labeled cells in your copy before following cell-specific instructions. If a download is unavailable, contact WiseLivn; a manual schedule of opening cash + receipts − payments can support the practice exercises.

Forecasts are estimates, not guarantees or authority to make payments. Verify tax obligations through applicable official sources and qualified advice. Track refunds and provider deductions once, and separate confirmed terms from proposed payment changes. Completing the course produces a planning routine, not a promise that every future obligation is funded.

Continue Your Learning

Choose the course that supports your next practical task. You do not need to complete every course before applying this one.

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Course Content

1. Understand Profit Vs. Cash Flow
Distinguish profit, bank cash, reserved funds, and timing gaps using traceable examples and an operating-buffer rationale.

  • 1.1 — What Profit Measures And What Cash Measures
  • 1.2 — Three Ways The Gap Shows Up
  • 1.3 — The Two-Number Rule
  • 1.4 — Exercise: Find Your Cash Gap

2. Build Your 13-Week Forecast
Build and test a 13-week forecast, count movements once, and check daily timing inside weeks with tight balances.

3. Plan Ahead For Taxes
Separate tax estimation, reserve funding, and actual payment; document applicable sources, dates, account boundaries, and review owners.

4. Manage Late Payments And Slow Seasons
Track uncertain collections and net payouts, plan for slow or growing demand, and choose dated shortfall responses with clear dependencies.

5. Create Your Weekly Money Routine
Reconcile actuals, explain variances, roll forward without losing dates or formulas, and assign actions through a repeatable review.

Final Assignment: Your Cash Flow Routine
Assemble the forecast, supporting notes, scenarios, daily timing checks, reserve plan, and review evidence into a maintained cash-flow routine.

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