Enable Accessibility
×
Close
Personal Online Banking
Visit the Personal Online Banking Education Center for information about logging in and using Personal Online Banking account.
If you need assistance, please contact Personal Client Services at 855-SNB-7500 (855-762-7500)
e‑Treasury Business Banking
Log in
Safeguarding your online banking sessions is our top priority. For information about how you can help protect your online banking sessions, or if you need additional assistance with your e-Treasury log-in, please contact Client Support at [email protected] or 855-274-2800.

Download the Sterling e-Treasury Secure Browser

Business Online Banking
Forgot Password

Visit the Business Online Banking Education Center for information about logging in and using Business Online Banking.
If you need assistance, please contact Client Services at [email protected] or 855-274-2800.
e‑Treasury
Log in
Safeguarding your online banking sessions is our top priority. For information about how you can help protect your online banking sessions, or if you need additional assistance with your e-Treasury log-in, please contact TM Service at [email protected] or 212-575-8020.


Download the Sterling e-Treasury Secure Browser

Download the Sterling e-Treasury Token Client


Business Online Banking
Forgot Password

Visit the Business Online Banking Education Center for information about logging in and using Business Online Banking.
If you need assistance, please contact Client Services at [email protected] or 855-274-2800
Protect Yourself Against Fraud

Consumer Loan Offer Scam Alert:
Please note that Sterling National Bank does not offer consumer loans through online marketplaces. Beware of loan offers on social media or online ads, scammers are impersonating employees of legitimate loan companies and banks. Learn More

X
close

Cash Flow Forecasting

Timing is critical in business, and unforeseen shortfalls in your cash position can be detrimental to operations and morale. Cash flow forecasting, driven by historical accounting data and your own understanding of the rhythm of your business, could be the key to helping you see around corners months in advance. 

Tools of the Forecaster’s Trade

Cash flow forecasting involves a multitude of data derived from sales, payroll, receivables, inventory, and payables. Given the myriad variables and components, the process can overwhelm even those who are familiar with the process. Fortunately, there are resources to help you tackle the job:

> Online Templates. Web-based templates, though somewhat limited, are widely available and will guide you through the manual process of entering your data in the simplest of terms.
Examples: score.org, SBA.gov, Google Docs

> Software Add-ons. Cash flow modules available with your accounting software package are more automated, allowing you seamlessly apply historical financial data to sales, receivables, and payables.
Examples: QuickBooks, Xero, FreeAgent

> Customizable Systems These personalized programs will import your unique financial data from the company’s existing accounting system to generate robust forecasts and will permit you to toggle parameters to explore different what-if scenarios. Some forecasts are sharable online, allowing multiple users to collaborate in real-time.
Examples: Float, Dryrun, Pulse

Maximize Your Forecasting Accuracy

Enhance the reliability of your cash flow projections by following these simple guidelines:

> Timing. Apply two years of historical data to your forecasts and project only 12 months in the future. 

> Variables. Look beyond fixed costs to include fluctuating expenses (i.e., quarterly taxes, insurance premiums, seasonal inventories and sales variations, months with three payrolls). 

> Assumptions.Make educated assumptions based on knowledge of your business. For example, use an average number of days your customers pay invoices to determine influx of cash and remember that cash flow depends on paid sales, not just contracted sales. 

> Comparisons. Maintain an iterative, rolling 12-month projection to continuously identify variances in data. Learn from your mistakes and calibrate assumptions for future projections.

Related Resources

Commercial BankingWhite Papers
Should You Pay Foreign Suppliers in Their Own Currency?
Paying invoices in U.S. dollars is a common practice for most domestic importers, but using your supplier’s own currency could have significant advantages — for both sides of the transaction. Learn more in this white paper.
Commercial BankingWhite Papers
Helping Attorneys Safeguard Client Funds
When serving as escrow custodians, it’s important for attorneys to take positive action to protect client funds. In this white paper, we discuss some of the fraud risks, as well as identify 5 tools you can use to help protect against fraud.
Commercial BankingArticles
Financing Innovation: Key Considerations for Technology Firms Taking on Bank Debt
Less- or non-dilutive bank debt alternatives do exist for mid-market technology firms… but there are considerations that should be taken before pursuing them. John Hoesley, Head of Sterling’s Innovation Finance Group, breaks down what founders need to know. CHOOSE YOUR BANK WISELY. Founders often work with larger, less-focused financial institutions, mainly because they’ve ‘always banked […]
Connect With Us
Learn more about Sterling products, services and the communities we serve.
We’d love your feedback