How to Create a 12-Month Rolling Cash Flow Forecast for a Small Business

Most small businesses don’t run out of money because they’re unprofitable. They run out because they didn’t see the gap coming. A 12-month rolling cash flow forecast gives you a full year of visibility into when money arrives and when it leaves — updated monthly so the picture stays accurate. This guide covers exactly how to build one, what to include, and which South African statutory obligations (PAYE, VAT, provisional tax) most business owners forget to plan for.