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Treasury

90-Day Cash Flow Forecast: The Tool Every Small Business Needs

2 June 2026·5 min read·Syntra Blog

Not knowing when your invoices are due can collapse your liquidity. Learn how to anticipate cash gaps with a 90-day forecast and stop being surprised at the end of the month.

The most common mistake: confusing profit with cash

A business can be profitable on paper and still run out of cash to pay salaries. It happens more often than you'd think: you sell, you invoice, but payment takes 60 or 90 days. Meanwhile, your suppliers and employees don't wait.

This gap between accounting profit and actual cash flow is the number one cause of business failure in profitable SMEs.

The three deadlines you always need to watch

  • Outstanding receivables — when are your clients going to pay you? Is anything overdue?
  • Outstanding payables — what do you owe and when? Do you have the liquidity to cover it?
  • Tax obligations — VAT quarterly returns, income tax, social security: fixed dates that don't forgive.
  • How a 90-day cash flow forecast works

    A cash flow forecast projects your cash inflows and outflows for the next 30, 60, and 90 days. To build one you need:

  • Issued invoices with known due dates
  • Received invoices with their payment dates
  • A historical pattern of recurring expenses
  • Syntra automates this entirely: it analyses uploaded documents, detects due dates, identifies recurring payments, and generates a visual projection of your future liquidity.

    Alerts Syntra detects automatically

  • Invoices due within the next 7 days without recorded payment
  • Excessive concentration of income on a single date
  • Growing gap between revenues and actual cash receipts
  • Expense categories growing more than 20% vs. the previous month
  • With these alerts, you can act before the problem hits your bank account.

    💡 Syntra generates a 90-day cash flow forecast automatically.

    Try free for 7 days →

    Setup in 5 minutes