Cash flow forecasting: see the low points coming
A profitable business can still run short of cash. We show you where your cash is going, when the low points are coming and how much is tied up in debtors and stock, while there is still time to act.
Profit is an opinion. Cash is a fact.
Growth often eats cash: more stock, more work in progress, more money owed by customers. Without a forecast, the first warning is the overdraft.
We build a forward view from your real numbers, keep it current, and turn it into actions: who to chase, what to delay, and how much a change in debtor days would release.
What’s included
- A rolling cash flow forecast with the forward low point
- Debtor days and how much cash is tied up
- Working capital: stock, WIP and creditors
- Scenario planning: hiring, investment, a big contract
- VAT, PAYE and corporation tax built in
- Cash released by changes in payment terms
- Monthly review against forecast
Part of our fixed monthly fee, tailored to your business and paid by Direct Debit. No long-term contract.
Simple for you. Thorough behind the scenes.
- BaselineBuild the forecast from your actual bank, debtors, creditors and commitments.
- Low pointsSpot when cash will be tightest, weeks or months ahead.
- ActionsAgree what to chase, change or plan for, with the cash effect of each.
- Keep it liveThe forecast is kept current and shown in Total Clarity.
Questions owners ask
How far ahead do you forecast?
Typically 13 weeks in detail and the year ahead in outline, depending on the business and the data available.
We’re profitable. Why do we never have cash?
Usually money tied up in debtors, stock or work in progress, or tax payments landing at once. A forecast shows which, and what to do about it.
Is there a one-off option?
Yes. The Cashflow Session is a fixed £495 review, refunded in full if you become a client.
Do you help with borrowing?
We prepare the forecasts and figures lenders want to see, and help you decide whether borrowing is the right answer.
See it all in one view.
Every service we run feeds Total Clarity: your cockpit of sales, margin, cash, debtors and the few things that need you.
See Total Clarity →What changed for clients
Engineering and fabrication business
A once-cautious director now uses his pension to buy commercial property.
Logistics and fleet business
Four finance staff and an accountant costing £142,000 a year replaced. Now preparing for a sale.
Civil engineering consultancy
A director who was thinking of selling is now planning to grow.
Read the case study →See your business clearly.
Come and see us at Moncrieff House. An hour or so with our directors, getting to the bottom of what’s really going on, and a one-page summary to keep.