{"id":3857,"date":"2022-06-14T12:33:20","date_gmt":"2022-06-14T02:33:20","guid":{"rendered":"https:\/\/employmenthero.com\/my\/blog\/cash-flow-forecast\/"},"modified":"2025-07-10T04:52:25","modified_gmt":"2025-07-10T04:52:25","slug":"cash-flow-forecast","status":"publish","type":"post","link":"https:\/\/employmenthero.com\/my\/blog\/cash-flow-forecast\/","title":{"rendered":"Cash flow forecast: How to create accurate projections in uncertain times"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull blog-template-header has-neutral-100-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--16)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div style=\"--bb--crumb-gap:.4em;\" class=\"blog-template-breadcrumb wp-block-employmentherocom2025-breadcrumb-block\"><nav role=\"navigation\" 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5.77648C6.15544 6.50283 5.83739 7.40411 5.83355 8.33398C5.83355 9.43905 6.27253 10.4989 7.05394 11.2803C7.83534 12.0617 8.89514 12.5007 10.0002 12.5007C11.1053 12.5007 12.1651 12.0617 12.9465 11.2803C13.7279 10.4989 14.1669 9.43905 14.1669 8.33398C14.1629 7.40674 13.8468 6.50785 13.2694 5.78232C15.2033 6.78886 16.8752 8.23337 18.1519 10.0007C17.201 11.3015 14.1277 15.0007 10.0002 15.0007Z\" fill=\"currentColor\"\/> <\/g> <defs> <clipPath id=\"clip0_5893_17419\"> <rect width=\"20\" height=\"20\" fill=\"white\"\/> <\/clipPath> <\/defs> <\/svg><\/span>Blog<\/a><\/div>\n<\/div>\n\n\n<ul style=\"display: flex; gap: var(--wp--preset--spacing--2); padding-left: 0; flex-wrap: wrap;\"><li style=\"background-color: #e8e7e8;padding: var(--wp--preset--spacing--0-5) var(--wp--preset--spacing--3);border-radius: var(--wp--preset--spacing--8);margin: 0;display: inline-flex;align-self: center;\">\n                <span class=\"has-sm-font-size\" >\n                    <a 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title=\"Product\" style=\"font-weight: 500;\">Product<\/a>\n                <\/span>\n                <\/li><\/ul><\/div>\n\n\n\n<div class=\"wp-block-group blog-template-social-desktop is-vertical is-layout-flex wp-container-core-group-is-layout-3 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--2);margin-bottom:var(--wp--preset--spacing--2)\"><div \n    class=\"eh-social-sharing-button wp-block-employmentherocom2025-eh-social-sharing-button\" data-icon=\"facebook\" data-social-type=\"facebook\">\n    <span style=\"display: flex;\">\n        <svg class=\"icon\" width=\"24px\" height=\"24px\" viewBox=\"0 0 20 20\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"> <title>Group<\/title> <path d=\"M14.4446 6.47609H11.4173V4.40033C11.4173 3.62078 11.9115 3.43904 12.2596 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wp-block-group-is-layout-constrained\"><h1 class=\"blog-template-title wp-block-post-title\">Cash flow forecast: How to create accurate projections in uncertain times<\/h1><\/div>\n\n\n\n<p class=\"blog-template-sub-title\" style=\"padding-top:var(--wp--preset--spacing--9);padding-bottom:var(--wp--preset--spacing--9);line-height:1.5\">\n    A cash flow forecast is important for your business and helps you make strategic decisions. Learn how to create accurate projections in times of market volatility.\n<\/p>\n\n\n\n<div class=\"wp-block-group blog-template-meta-row is-layout-flex wp-container-core-group-is-layout-8 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-query wp-block-hosts-query has-global-padding is-content-justification-left is-layout-constrained wp-container-core-query-is-layout-1 wp-block-query-is-layout-constrained\"><ul data-wp-interactive=\"eh-hosts\" class=\"wp-block-post-template is-layout-flow wp-container-core-post-template-is-layout-1 wp-block-post-template-is-layout-flow\"><li data-host-index=\"0\" data-wp-on--click=\"actions.openDetail\" class=\"wp-block-post post-4837 hosts type-hosts status-publish has-post-thumbnail hentry\">\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7 wp-block-group-is-layout-flex\"><figure style=\"width:52px;height:52px;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-120x120.jpg\" class=\"attachment-host_thumbnail size-host_thumbnail wp-post-image\" alt=\"Carissa Ng\" style=\"border-radius:60px;height:52px;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-120x120.jpg 120w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-300x300.jpg 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-150x150.jpg 150w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-768x768.jpg 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-240x240.jpg 240w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-54x54.jpg 54w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-108x108.jpg 108w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-685x683.jpg 685w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-390x390.jpg 390w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-200x200.jpg 200w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-400x400.jpg 400w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-216x216.jpg 216w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-432x432.jpg 432w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-112x112.jpg 112w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-224x224.jpg 224w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-142x142.jpg 142w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063-284x284.jpg 284w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/09\/1530256332063.jpg 800w\" sizes=\"auto, (max-width: 120px) 100vw, 120px\" \/><\/figure>\n\n\n<div class=\"wp-block-group has-sm-font-size is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-6 wp-block-group-is-layout-flex\"><h6 style=\"line-height:1.3; border-right-width:1px;border-right-color:var(--wp--preset--color--black); padding-right:var(--wp--preset--spacing--2);\" class=\"has-text-align-center has-link-color wp-elements-1e20e747939e3458765ab321928f59b7 wp-block-post-title has-text-color has-violet-500-color has-sm-font-size\">Carissa Ng<\/h6><\/div>\n<\/div>\n\n<\/li><\/ul><\/div>\n\n\n\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-style:none;border-left-width:0px;padding-left:0\">Published<\/p>\n\n\n<div class=\"wp-block-post-date has-sm-font-size\"><time datetime=\"2022-06-14T12:33:20+00:00\">Jun 14, 2022<\/time><\/div>\n\n\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">Updated<\/p>\n\n\n<div class=\"wp-block-post-date__modified-date wp-block-post-date has-sm-font-size\"><time datetime=\"2025-07-10T04:52:25+00:00\">Jul 10, 2025<\/time><\/div>\n\n\n<p class=\"has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">13 mins read<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull blog-image-container has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized blog-template-image\"><img decoding=\"async\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/3\/2022\/06\/Cover-Images-1-1.png\" alt=\"Image\" style=\"object-fit:cover;width:864px;height:561px\"\/><\/figure>\n<\/div>\n\n\n\n<div style=\"height:66px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-group sticky-side-panel is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-12 wp-block-group-is-layout-flex wp-container-2 is-position-sticky\">\n<p class=\"has-lg-font-size\" style=\"border-bottom-color:var(--wp--preset--color--neutral-200);border-bottom-width:0.1rem;padding-top:var(--wp--preset--spacing--4);padding-bottom:var(--wp--preset--spacing--4)\"><strong>Contents<\/strong><\/p>\n\n\n\n<div class=\"content-single-table-content\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\" id=\"content-wrapper\">\n<div class=\"wp-block-group content_single content_single--blog content-single-content-wysiwyg wysiwyg content-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--4)\">\nPoor cash flow can be caused by a variety of factors: delayed payments, spiralling expenses, decreasing profits and more. But we\u2019re facing unpredictable times now \u2014 cue high inflation, rising interest rates, fluctuating stock indexes and surging energy costs, all at once. If not managed effectively, these factors can impact greatly on a company\u2019s cash flow and lead to bigger issues later down the line.\n\nCash flow forecasting is no easy feat, but with these added macroeconomic factors, it has made an already challenging process even more complicated.\n\nIn fact, cash flow issues are the top reasons for small business failures in the <a href=\"https:\/\/www.hiscox.co.uk\/business-blog\/top-9-reasons-small-businesses-fail\" rel=\"noopener\" target=\"_blank\">UK<\/a> and <a href=\"https:\/\/www.smh.com.au\/business\/small-business\/small-business-on-the-brink-with-only-half-recording-positive-cash-flow-20170911-gyeurw.html\" rel=\"noopener\" target=\"_blank\">Australia<\/a>, and the biggest business challenge and risk for small to medium enterprises (SMEs) in <a href=\"https:\/\/www.businesstimes.com.sg\/singapore\/smes\/boosting-growth-with-effective-cash-flow-management\" rel=\"noopener\" target=\"_blank\">Singapore<\/a> and <a href=\"https:\/\/theedgemalaysia.com\/article\/lack-financing-tight-cash-flow-among-problems-faced-smes\" rel=\"noopener\" target=\"_blank\">Malaysia<\/a>. That\u2019s exactly why cash flow forecasting is no longer a \u2018nice-to-have\u2019, but a must-have.\n\nIt will not only help you understand your future cash situation to keep up with payments, but also enable you to spot any <a href=\"https:\/\/employmenthero.com\/my\/blog\/cash-flow-red-flags\/\">red flags<\/a> to look out for. Reliable and realistic forecasting also helps you build better credibility and communication with stakeholders.\n<h2 id=\"what-is-cash-flow-forecasting\">What is cash flow forecasting?<\/h2>\nCash flow forecasting, or cash flow projection, involves estimating your projected income and expenses over a set period of time. This helps you plan ahead and ensure that your business finances are in the green, or make adjustments to current spending.\n\nPut simply, seeing the state of your cash flow can help you make informed business decisions. If your cash flow forecast suggests you\u2019re going to have higher than normal costs and lower than normal earnings, it might not be the best time to buy new equipment. On the other hand, if your cash flow forecast suggests a surplus, it could be the right time to invest money in the business or expand to new markets.\n<h3 id=\"the-two-key-numbers-to-watch-are\">The two key numbers to watch are:<\/h3>\n<ul>\n<li><strong>Net cash flow<\/strong> \u2014 this determines whether you\u2019ll be depositing profits in the bank or scrambling to fulfil payments<\/li>\n<li><strong>Closing balance<\/strong> \u2014 a negative amount suggests that you will have to cut down or delay expenditures, and seek alternate ways of financing your business<\/li>\n<\/ul>\nThe best practice, according to industry standards, is to forecast cash flows up to 13 weeks ahead to ensure effective visibility.\n<h2 id=\"key-terms-to-understand-cash-inflows-vs-cash-outflows\">Key terms to understand: Cash inflows vs cash outflows<\/h2>\nIn order to create and calculate a good cash flow forecast, there are two key concepts to understand:\n<ul>\n<li><strong>Cash inflows and accounts receivable (AR):<\/strong> refers to money owed to your business, such as proceeds from sales of goods and services, return on investments, government grants, rebates, bank loans, and other lines of credit. Maintaining a strong cash inflow helps to keep your business afloat, and enable you to reinvest and grow your business.<\/li>\n<li><strong>Cash outflows and accounts payable (AP):<\/strong> refers to anything the business will need to spend on, such as salaries, taxes, overheads, payments to suppliers and vendors, rent, and inventory. Minimise these expenses as best you can to help keep your cash outflow low.<\/li>\n<\/ul>\n<h2 id=\"how-do-you-calculate-a-cash-flow-forecast\">How do you calculate a cash flow forecast?<\/h2>\n<h3 id=\"\"><\/h3>\n<h3 id=\"1-get-your-documents-ready\">1. Get your documents ready<\/h3>\nYour financial statements, tax reports and payroll reports should be ready for easy reference before you get started. This includes all data about your business\u2019s income and expenses.\n<h3 id=\"2-find-your-opening-bank-balance\">2. Find your opening bank balance<\/h3>\nYour opening balance refers to the balance in your bank account at the start of a period.\n<h3 id=\"3-estimate-cash-inflows\">3. Estimate cash inflows<\/h3>\nCalculate an estimate of your anticipated cash inflows \u2014 such as invoices you expect to be paid, revenue, grants, loans and investments.\n<h3 id=\"4-estimate-cash-outflows\">4. Estimate cash outflows<\/h3>\nConsider cash outflows such as expenses on rent, utilities, materials, marketing, taxes, payroll, insurance, bills, and one-off or seasonal expenses.\n<h3 id=\"5-calculate-the-net-cash-flow\">5. Calculate the net cash flow<\/h3>\nUse this formula to calculate your total cash flow:\n\nEstimated cash inflows \u2013 estimated cash outflows = net cash flow\n<h3 id=\"6-obtain-your-closing-balance\">6. Obtain your closing balance<\/h3>\nSimply add your net cash flow amount to your opening bank balance in order to obtain your closing balance. Is it negative or positive? That\u2019s going to affect your business strategy in the months to come.\n<h2 id=\"tips-on-creating-an-accurate-cash-flow-forecast-in-uncertain-times\">Tips on creating an accurate cash flow forecast in uncertain times<\/h2>\nPlanning in the face of uncertainty isn\u2019t easy at all. The trick to forecasting your cash flow as accurately as possible is being adaptable and revising business plans by leveraging data.\n\n<img loading=\"lazy\" decoding=\"async\" alt=\"woman using laptop looking at data charts\" class=\"alignnone wp-image-3829 size-full\" height=\"1333\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/3\/2022\/06\/image1.jpg\" width=\"1999\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1.jpg 1999w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1-300x200.jpg 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1-1024x683.jpg 1024w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1-768x512.jpg 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1-1536x1024.jpg 1536w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image1-440x293.jpg 440w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/>\n<h3 id=\"1-focus-on-flexibility-and-agility\">1. Focus on flexibility and agility<\/h3>\nIn pre-Covid times, smaller businesses typically prepare a financial forecast at the end of each financial year. In uncertain times though, old processes have to make way for new ones.\n\nRelying on historical data and trends aren\u2019t entirely appropriate anymore, and it\u2019s important for businesses to be flexible in adopting agile forecasting. To improve the accuracy of cash flow forecasts, businesses need to make a shift towards short-term forecasts in order to quickly accommodate any changes.\n\nBeing able to identify market trends on-demand and adapting quickly to unexpected changes is key to a reliable prediction. Some key things to implement include:\n<ul>\n<li>Use recent actuals to guide re-forecasting, with guidance from historical data (e.g sales, salaries, utilities, seasonal inventory numbers and more)<\/li>\n<li>Re-forecast at frequencies that make sense \u2014 e.g weekly for cash flows and quarterly for large operational expenses<\/li>\n<\/ul>\n<h3 id=\"2-leverage-scenario-planning\">2. Leverage scenario planning<\/h3>\nScenario planning and stress testing allows you to be proactive by predicting the different scenarios your business could be in, and how you can manage your cash flow needs effectively in each scenario. These forecasts should be revisited and adjusted on a weekly or monthly basis to reflect new changes.\n\nCreating such models enables you to assess the impacts on metrics such as revenue, costs, and cash flow, as well as your company\u2019s performance. This can provide you with the necessary insights to make decisions swiftly and confidently.\n\nHere\u2019s how you can go about doing it:\n<ol>\n<li>Prepare cash flows under various scenarios<\/li>\n<li>Assign realistic probabilities to each scenario<\/li>\n<li>Multiply the cash flow with their respective probabilities to calculate probability-weighted expected cash flows<\/li>\n<\/ol>\nTo do scenario modelling well, you have to pick the right variables and business drivers to test, and compare it against your key performance indicators (KPIs). From here, you\u2019ll be able to see the direct implications when these variables are adjusted. Having a solid data infrastructure will facilitate greater efficiency in developing these models \u2014 to ensure results as accurate as possible.\n\nWhen planning for your business in uncertain times, the main focus should be on operational steps to weather cash crunches. It\u2019s always crucial to prepare for all scenarios, especially downturns and how your headcount planning might be impacted. When preparing your scenario models, you should take into account issues such as:\n<ul>\n<li>Is the business\u2019s cash flow sustainable if you stick to your existing hiring plans?<\/li>\n<li>Are you struggling with high <a href=\"https:\/\/employmenthero.com\/my\/resources\/reduce-staff-turnover\/\">staff turnover<\/a> rates?<\/li>\n<li>What key types of roles (e.g. executive hires, <a href=\"https:\/\/employmenthero.com\/my\/resources\/the-remote-first-workplace-playbook\/\">remote working roles<\/a>) can you maintain without adversely affecting your cash flow situation?<\/li>\n<li>Is there any way you can <a href=\"https:\/\/employmenthero.com\/my\/blog\/payroll-automation-benefits-hris\/\">automate HR processes<\/a> so your team is more dynamic and efficient for business needs?<\/li>\n<li>What other hiring plan changes can you make to maximise performance while minimising cash flow implications?<\/li>\n<li>Are there any government support schemes that will help alleviate labour costs?<\/li>\n<\/ul>\n<h3 id=\"3-ensure-you-have-robust-systems-and-processes-in-place\">3. Ensure you have robust systems and processes in place<\/h3>\n<img loading=\"lazy\" decoding=\"async\" alt=\"Employee using laptop to view a dashboard on data analysis\" class=\"alignnone wp-image-3828 size-full\" height=\"780\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2.png\" width=\"1170\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2.png 1170w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2-300x200.png 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2-1024x683.png 1024w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2-768x512.png 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2022\/06\/image2-440x293.png 440w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/>\n\nIf processes to create a cash flow forecast are extremely manual and administratively taxing, it makes generating weekly re-forecasts impossible. This manual way of doing things pulls valuable resources away from strategic functions, and also increases the risk of human error.\n\nWith the current economic climate, consider adopting an automated cash forecasting process. It enables data to be refreshed quickly and dashboards to be generated that can assist with forward planning.\n\nApart from being able to provide scenario-based forecasts, software solutions also provide <a href=\"https:\/\/medium.com\/making-informed-relevant-and-purposeful-decision\/driver-based-planning-forecasting-in-the-context-of-fp-a-b3fbfff751f\" rel=\"noopener\" target=\"_blank\">driver-based forecasting<\/a> \u2014 whereby assumptions are included, and managers can use simulation models to make quick adjustments to cash inflows and outflows. This enables them to quickly see how these changes affect cash positions, even if they do not have the time or resources to conduct a full forecast.\n\nAutomating your cash flow processes helps to increase cash flow visibility. When you centralise all your data sources into a single dashboard, you\u2019re able to dive into both broad and granular details. It also helps to reduce time needed to create forecasts, freeing up more time and resources to focus on what\u2019s important \u2014 analysis and strategy.\n\nNot to mention, having everything automated also prevents human error with data entry in spreadsheets, allowing for greater accuracy. Streamline your cash flow procedures so you can better prepare for the future.\n<h3 id=\"4-improve-working-capital-management\">4. Improve working capital management<\/h3>\nAnother integral component of cash flow forecasting is to examine your cash conversion cycle. Your collections and payment cycles are likely to have changed in recent months.\n\nWith this in mind, it\u2019s crucial to revisit fundamental metrics like days sales outstanding (DSO), days payable outstanding (DPO), and days inventory outstanding (DIO), and identify ways you can manage your working capital more effectively by leveraging your standing with vendors and customers.\n\nEvaluate vendor relationships individually \u2014 identify those you owe payments to, how often you pay them, and work out if a different cadence of payment would work in your favour. Ideally, take advantage of things like early payment discounts to boost your profit margin.\n\nConsider any potential delays in collections from customers \u2014 how long are you waiting on customer payments? The lag time between businesses paying for materials and production, and customers paying for the finished product can cause cash flow problems. Be proactive as soon as you notice an issue, particularly with customers who often pay late \u2014 focus on getting the cash into your account with punctual invoicing and constant communication.\n\nDepending on the nature of your business, you\u2019ll want to keep inventory low so you can preserve as much cash as possible. The more money you have tied up in your inventory, the less you\u2019ll have for essential payments like wages and supplier bills. Keep operations lean and mean to enhance flexibility in your business, rather than buy in bulk to benefit from economies of scale.\n\nYou should also review whether there is a need to diversify your pool of suppliers, and adjust working capital levels. Being heavily reliant on a few suppliers for key parts of your business can be debilitating for your cash flow if they go under, or are adversely affected by current conditions. Consider substitutions or localising parts of the supply chain if necessary.\n<h3 id=\"5-secure-a-finance-fallback-plan\">5. Secure a finance fallback plan<\/h3>\nYou don\u2019t want to find the business struggling to survive before scrambling to secure a finance fallback plan. Never wait till it\u2019s too late! Having a healthy cash reserve on hand is a must, but it takes time to build it up \u2014 so in the meantime, assess the availability of lines of credits and other financing alternatives such as business loans or government loans. Talk to a commercial finance broker or your bank about the options suitable to you and your business.\n<h2 id=\"what-to-do-if-your-cash-flow-forecast-doesnt-look-good\">What to do if your cash flow forecast doesn\u2019t look good<\/h2>\nIf you\u2019re keen to find out how you can improve your income, here are some essential <a href=\"https:\/\/employmenthero.com\/my\/blog\/7-ways-to-get-cash-flow-flowing\/\">tips for getting your cash flow going that you can take action on today. <\/a>\n\nAnother way to ensure you\u2019re constantly ahead of the game is to revisit your pricing strategy or <a href=\"https:\/\/employmenthero.com\/my\/blog\/5-steps-to-refresh-your-business-plan\/\">refresh your business plan<\/a> \u2014 you can\u2019t let your profit margins suffer while operating costs, staff payroll, and other expenses keep rising.\n\nAbove all, you should speak to an accountant for specific advice on your current situation.\n<h2 id=\"manage-your-business-more-efficiently-through-uncertain-times\">Manage your business more efficiently through uncertain times<\/h2>\nPayroll expenses can put pressure on cash flow when business conditions become unpredictable. Capitalise on a <a href=\"https:\/\/employmenthero.com\/my\/products\/hr-software\/\">payroll and HR software<\/a> solution like <a href=\"https:\/\/employmenthero.com\/my\/\">91±¬ΑΟ<\/a> to help you manage HR and <a href=\"https:\/\/employmenthero.com\/my\/products\/payroll-software\/\">payroll processes<\/a> more efficiently through automation \u2014 minimising human error, saving hours of manual administrative work and reducing costs on resources.\u00a0The reporting and analytics tools also enable you to make better business decisions with complete oversight over company data.\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" data-trigger-modal=\"request-a-demo-modal\"><a class=\"wp-block-button__link wp-element-button\">Learn more<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-14 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--10)\">\n<h3 class=\"wp-block-heading\">Related Resources<\/h3>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link-arrow is-style-link-arrow--3\"><a class=\"wp-block-button__link has-btn-brand-background-color has-background wp-element-button\" href=\"\/resources\/?topic%5B0%5D%5B0%5D=Product\">View all<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-query blog-3-col-query-loop is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-3 alignfull wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-2 wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-27027 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized resource-type-blog\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-17 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-january-2026\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1152\" height=\"760\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Product Update: January 2026\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail.webp 1152w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail-300x198.webp 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail-1024x676.webp 1024w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail-768x507.webp 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail-576x380.webp 576w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/02\/Product-Update-January-2026-thumbnail-440x290.webp 440w\" sizes=\"auto, (max-width: 1152px) 100vw, 1152px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-3 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-16 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-15 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><img decoding=\"async\" class=\"wp-block-post-terms-icon\" width=\"20\" height=\"20\" alt=\"icon-blog\" loading=\"lazy\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2023\/02\/ManagedHR-1-1.png\"><a href=\"https:\/\/employmenthero.com\/my\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-january-2026\/\" target=\"_self\" >Product Update: January 2026<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-2\"><p class=\"wp-block-post-excerpt__excerpt\">Welcome to the January 2026 product update from the 91±¬ΑΟ team. We\u2019ve got lots to share around Custom Forms,&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-january-2026\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: Product Update: January 2026<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-january-2026\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><li class=\"wp-block-post post-26921 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-2025-product-update resource-type-blog topic-product\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-20 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-december-2025\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1152\" height=\"760\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Product Update: December 2025\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail.webp 1152w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail-300x198.webp 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail-1024x676.webp 1024w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail-768x507.webp 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail-576x380.webp 576w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2026\/01\/December-2025-Product-Update-Thumbnail-440x290.webp 440w\" sizes=\"auto, (max-width: 1152px) 100vw, 1152px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-6 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-19 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-18 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><img decoding=\"async\" class=\"wp-block-post-terms-icon\" width=\"20\" height=\"20\" alt=\"icon-blog\" loading=\"lazy\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2023\/02\/ManagedHR-1-1.png\"><a href=\"https:\/\/employmenthero.com\/my\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-december-2025\/\" target=\"_self\" >Product Update: December 2025<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-5\"><p class=\"wp-block-post-excerpt__excerpt\">Welcome to the December 2025 product update from the 91±¬ΑΟ team. We\u2019ve got lots to share around Custom Forms,&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-december-2025\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: Product Update: December 2025<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-december-2025\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><li class=\"wp-block-post post-26905 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-2025-product-update resource-type-blog topic-product\">\n\n<div class=\"wp-block-group has-border-color has-neutral-100-border-color has-white-background-color has-background is-vertical is-layout-flex wp-container-core-group-is-layout-23 wp-block-group-is-layout-flex\" style=\"border-width:1px;min-height:100%\"><figure style=\"aspect-ratio:16\/9;width:100%;height:100%; padding-bottom:0;padding-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-november-2025\/\" target=\"_self\"  style=\"height:100%\"><img loading=\"lazy\" decoding=\"async\" width=\"1152\" height=\"760\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Product Update: November 2025\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized.webp 1152w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized-300x198.webp 300w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized-1024x676.webp 1024w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized-768x507.webp 768w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized-576x380.webp 576w, https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2025\/12\/BlogDownloadable_Generic-optimized-440x290.webp 440w\" sizes=\"auto, (max-width: 1152px) 100vw, 1152px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-group blog-3-col-details wp-container-content-9 is-vertical is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-22 wp-block-group-is-layout-flex\" style=\"margin-top:0;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-21 wp-block-group-is-layout-flex\"><div style=\"font-style:normal;font-weight:600\" class=\"taxonomy-resource-type eh-resource-type wp-block-post-terms\"><img decoding=\"async\" class=\"wp-block-post-terms-icon\" width=\"20\" height=\"20\" alt=\"icon-blog\" loading=\"lazy\" src=\"https:\/\/employmenthero.com\/my\/wp-content\/uploads\/sites\/4\/2023\/02\/ManagedHR-1-1.png\"><a href=\"https:\/\/employmenthero.com\/my\/resources\/blog\/\" rel=\"tag\">Blogs<\/a><\/div>\n\n<h3 class=\"wp-block-post-title\"><a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-november-2025\/\" target=\"_self\" >Product Update: November 2025<\/a><\/h3>\n\n<div class=\"wp-block-post-excerpt has-text-color has-contrast-2-color has-small-font-size wp-container-content-8\"><p class=\"wp-block-post-excerpt__excerpt\">Welcome to the November 2025 product update from the 91±¬ΑΟ team. We\u2019ve got lots to share around Workflows, Rostering,&hellip; <\/p><\/div><\/div>\n\n\n<a style=\"font-style:normal;font-weight:600;\" class=\"wp-elements-9dfcbcb7662772ecb2d671e8976a6c51 wp-block-read-more has-text-color has-violet-500-color\" href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-november-2025\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: Product Update: November 2025<\/span><\/a><\/div>\n<\/div>\n<a href=\"https:\/\/employmenthero.com\/my\/blog\/product-update-november-2025\/\" target=\"_self\" class=\"group-block-link\"><\/a>\n<\/li><\/ul><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to create accurate cash flow forecast projections in times of market volatility.<\/p>\n","protected":false},"author":30,"featured_media":23318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lite_auth_enabled":false,"_lite_auth_trigger_method":"scroll","_lite_auth_scroll_percent":25,"_lite_auth_click_element_query":"","exclude_from_algolia":false,"reading_time":"8 min read","display_reading_time":false,"download_content_type":"","download_file":"","download_url":"","download_cta_label":"","footnotes":""},"categories":[1],"tags":[],"resource-type":[297],"topic":[253,259,299],"industry":[204,219,198,225,228,191,215,223,232,203,206,208,209,195,207,205,218,211,227,197,212,213,214,226,196,210,221,222,199,216,224,230,231,229,217],"audience":[],"business-size":[],"product-tag":[],"funnel-stage":[],"region":[],"pain-point":[],"persona":[],"post_features":[],"class_list":["post-3857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","resource-type-blog","topic-business-basics","topic-payroll","topic-product","industry-agriculture","industry-automotive","industry-business-consulting","industry-childcare","industry-colleges-and-sporting-clubs","industry-construction","industry-consumer-services","industry-customer-service","industry-early-education","industry-ecommerce","industry-education","industry-entertainment","industry-finance","industry-financial-services","industry-franchises","industry-health-and-fitness","industry-health-services","industry-healthcare","industry-hospitality","industry-it-and-technology","industry-legal","industry-logistics-manufacturing","industry-media-communications","industry-not-for-profit","industry-professional-services","industry-public-relations","industry-real-estate","industry-real-estate-and-strata-management","industry-recruitment","industry-retail","industry-stem","industry-technology","industry-utilities-public-services","industry-veterinary-services","industry-youth-services"],"_links":{"self":[{"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/posts\/3857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/comments?post=3857"}],"version-history":[{"count":2,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/posts\/3857\/revisions"}],"predecessor-version":[{"id":26173,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/posts\/3857\/revisions\/26173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/media\/23318"}],"wp:attachment":[{"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/media?parent=3857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/categories?post=3857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/tags?post=3857"},{"taxonomy":"resource-type","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/resource-type?post=3857"},{"taxonomy":"topic","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/topic?post=3857"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/industry?post=3857"},{"taxonomy":"audience","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/audience?post=3857"},{"taxonomy":"business-size","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/business-size?post=3857"},{"taxonomy":"product-tag","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/product-tag?post=3857"},{"taxonomy":"funnel-stage","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/funnel-stage?post=3857"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/region?post=3857"},{"taxonomy":"pain-point","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/pain-point?post=3857"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/persona?post=3857"},{"taxonomy":"post_features","embeddable":true,"href":"https:\/\/employmenthero.com\/my\/wp-json\/wp\/v2\/post_features?post=3857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}