Business Intelligence & Growth
Financial forecasting services that show you what's coming
Financial forecasting services turn your historical books into a forward-looking model of revenue, costs, and cash, so you can see a cash crunch coming, and test a hire or a price change, before any of it reaches your bank account. NextGen Code provides FP&A (financial planning and analysis) for businesses with roughly 5–500 employees that have a bookkeeper or CPA keeping the books, but no one on staff building the forecast.
This is for you if…
- You find out whether you made money weeks after the month ends.
- Cash feels tight even in good months, and you can't say when the next squeeze will hit.
- You're weighing a hire, a second location, a price increase, or a loan on gut feel.
- Your budget is last year's numbers plus a percentage, and nobody looks at it after January.
- A lender, investor, or board wants a forecast, covenant tracking, or a monthly KPI pack you don't have.
- You can't say which services, products, or customers are most profitable after labor and overhead.
Overview
Cash forecasts, driver-based models, and KPI packs for owners, boards, and lenders, built alongside your CPA.
We build driver-based models. Revenue comes from what actually drives it, like leads, close rate, jobs per crew, average order value, or billable hours, and costs follow from capacity, so you can change one assumption and see the effect on margin and cash. AI handles the routine parts faster: pulling actuals, flagging unusual transactions, drafting variance commentary (why results differ from plan) for a person to review, and testing forecast methods against your own history.
We work alongside your bookkeeper and CPA, not instead of them. We don't prepare tax returns, perform audits or reviews, attest to financial statements, or give investment advice. We build the management models, forecasts, and reports that help you run the business and walk into lender and board meetings prepared.
What you get
Deliverables, not decks.
- 01
Driver-based financial model
A three-statement model (income statement, balance sheet, and cash flow) built on your operating drivers, with base, upside, and downside scenarios you can adjust yourself in Excel or Google Sheets.
- 02
13-week cash flow forecast
A week-by-week view of cash in and cash out, built from receivables, payables, payroll, and debt payments. We update it weekly and compare it with actuals, so you can see how reliable it is.
- 03
Budget and scenario plan
An annual budget tied to the model, plus scenarios for the decisions on the table: a key hire, a price change, a new location, a loan, or a slow season.
- 04
Pricing, margin, and unit economics analysis
Contribution margin (what's left of each sale after direct costs) by product, service, customer, and channel, plus customer acquisition cost (CAC), lifetime value (LTV), and payback period, so you know what to sell more of and what to reprice.
- 05
Monthly KPI pack
A short, consistent report for owners, boards, or lenders: results against budget and last year, cash runway, loan covenant metrics such as debt service coverage (how comfortably cash flow covers loan payments), and plain-English commentary on what changed and why.
- 06
AI-assisted FP&A workflow
Actuals pulled automatically from QuickBooks Online, Xero, or NetSuite, AI-drafted variance commentary that a person reviews, and forecast methods tested against your history before anyone relies on them.
How it works
A clear process, start to finish.
- 01Week 1
Books review and decision list
We review your chart of accounts and recent month-end closes with your bookkeeper, list any cleanup needed before forecasting, and interview you about the decisions the model has to support.
- 02Weeks 2–4
Model and cash forecast build
We build the driver-based model and 13-week cash forecast, calibrate them against 12–24 months of history, and walk you through every assumption in plain English.
- 03Week 5
Scenario review
We run the scenarios that matter right now, such as a price change, a hire, or a slow quarter, and lay out the trade-offs so you can decide with the numbers in front of you.
- 04Ongoing
Monthly forecasting rhythm
After each close, we import actuals, update the forecast, draft the variance commentary, and deliver the KPI pack. Then we meet with you to decide what to do about it.
What we measure
The numbers this moves.
We baseline these before we start and report against them after launch.
Forecast accuracy
How close the forecast lands to actual revenue and cash, tracked every month. The target is a forecast reliable enough to plan hiring and purchases around, with the miss narrowing as the model learns from your history.
Cash visibility
Weeks of reliable forward view on cash. With a 13-week forecast, the target is no surprise shortfalls inside the window.
Days from month-end to KPI pack
How long after month-end you see results and commentary. We target a consistent, short turnaround once your bookkeeper closes the month.
Contribution margin by line
Margin by service, product, or customer after direct costs. Typical goals include repricing or reworking the lines that don't cover their true cost.
Cash conversion cycle
Days between paying for labor and materials and collecting from customers, driven by receivables, payables, and inventory. Changes to collections and payment terms target fewer days.
In practice
What this looks like in a real business.
Planning cash through a slow season
Example: a landscaping company with seasonal revenue builds a 13-week cash forecast in January to find its lowest cash point before spring, then times equipment purchases and a line-of-credit draw around it.
Finding the contracts that lose money
Example: a 20-person IT services firm allocates technician time to each managed-services client and finds several fixed-fee contracts losing money after labor. Renewal pricing starts there.
Modeling a second location
Example: a restaurant group models a second location with build-out costs, ramp-up months, and a downside case. The owners and their lender see break-even timing and the cash needed before anyone signs a lease.
A lender-ready monthly pack
Example: a manufacturer with a bank line of credit sends a consistent monthly pack with results, a rolling forecast, and the debt service coverage ratio its loan agreement requires.
Contribution margin per order
Example: a Shopify brand finds that an $80 order leaves $34 after $28 in product cost, $9 in shipping, $3 in payment fees, and $6 in discounts and returns. With a $40 customer acquisition cost, the first order loses money, so repeat purchase rate decides whether a bigger ad budget makes sense.
AI-drafted variance commentary
Example: each month the model imports actuals from QuickBooks Online, flags line items that moved more than a set threshold, and drafts a plain-English explanation from the transaction detail. The owner or controller edits it before it goes out.
Tools & platforms we work with
- QuickBooks Online
- Xero
- NetSuite
- Microsoft Excel
- Google Sheets
- Power BI
- Python
- Fathom
- Jirav
- ChatGPT
- Claude
We're vendor-neutral: we recommend what fits your stack, budget and risk profile — not what pays us a referral fee.
Next step
Let's talk about Financial Analysis.
Bring a problem or a goal. In 30 minutes we'll tell you what's realistic, what it would take, and where AI fits — even if the answer is to start smaller.
FAQ
Financial Analysis: common questions
Still have a question? Ask us directly.
Do you replace my bookkeeper or CPA?
No, we work alongside them. Your bookkeeper records transactions and closes the books each month, and your CPA handles tax, compliance, and any review or audit. We use their numbers to build forward-looking models, cash forecasts, and KPI reports, and we flag cleanup items to them instead of changing your books ourselves. We don't provide tax advice, audit or attestation services, or investment advice.
How much do financial forecasting services cost?
Cost depends on the number of entities and locations, how clean and current your books are, how many revenue streams you have, and how complex your operations are, such as inventory, job costing, or deferred revenue. A one-time model is a smaller scope than monthly FP&A support with forecast updates and a KPI pack, and lender or board reporting adds to it. We quote after a free consultation and a look at your last 12 months of financial statements.
What access and information do you need?
We need 12–24 months of financial statements, access to your accounting system, receivables and payables aging reports, payroll summaries, loan agreements, and your sales pipeline or bookings data if revenue depends on it. We ask for the most limited access that does the job, such as a reports-only or read-only user where your QuickBooks Online, Xero, or NetSuite plan offers one, so we can see the numbers without being able to move money.
How accurate can a financial forecast be?
Accurate enough to make decisions with, if it's built on drivers and checked against actuals every month. We show ranges and scenarios instead of a single number, because no model predicts a lost customer or a bad storm. Each month we compare the forecast with what happened, explain the misses, and adjust the drivers. AI helps by testing several forecasting methods against your past data to see which would have predicted best.
How long until we have a working forecast?
A first driver-based model and 13-week cash forecast typically take 3–5 weeks, depending mostly on how clean your books are. If your books are months behind or need reclassifying, your bookkeeper's cleanup comes first, and we'll tell you exactly what's needed in the first week. After the first build, monthly updates follow your bookkeeper's close, so the forecast stays current without a rebuild.
Can AI do our FP&A for us?
AI can do parts of it well, but not the judgment. It can pull and categorize actuals, flag anomalies, draft variance commentary, test forecasting methods, and answer questions about the model, and QuickBooks' Intuit Assist and Xero's JAX now handle some of this inside the accounting system. It can't own your assumptions, weigh a strategic trade-off, or be accountable to a lender. We use AI where it saves time and keep a person responsible for every number that leaves the building.
Will lenders and investors accept your forecasts?
Lenders and investors expect a forecast with clear, defensible assumptions, and that's what we build: drivers they can question, scenarios that show the downside, and a record of forecast against actual. What we produce is management reporting, not assurance. If a lender requires reviewed or audited financial statements, or a CPA-prepared projection, those must come from your CPA firm, and we'll work with them on the inputs.
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