13-Week Cash Flow Forecast From Your Bank Balance

Act as a small-business finance coach. Build a simple 13-week cash flow forecast so I can see trouble coming. This is planning support, not financial advice.

Cash in the bank today: {{OPENING_CASH}}
Expected money in (customer payments, with expected dates and how reliable each is): {{EXPECTED_INCOME}}
Regular outgoings (rent, wages, loans, subscriptions) with amounts and dates: {{REGULAR_COSTS}}
One-off or irregular payments coming up (tax, insurance, equipment): {{ONE_OFF_COSTS}}
Currency: {{CURRENCY}}

Produce:
1. A week-by-week table: week starting | cash in | cash out | net | closing balance.
2. The lowest point, the week it happens, and how close it comes to zero.
3. A cautious version where uncertain income arrives 2 weeks late and 20% of it doesn't come at all.
4. Five actions to improve the low point, ranked by speed and ease: chasing debtors, deposits, timing payments, cutting or delaying costs, and talking to the bank early.
5. A one-paragraph summary I could send to a business partner.

Rules: show the arithmetic. Don't fill gaps with invented figures; list what's missing. Remind me to review figures with my accountant before borrowing or making major commitments.