Talk to us
Talk to us
Know what cash you'll have, and when. We build and keep up a cash forecast from what's really coming in and going out: customer receipts, payroll, VAT, supplier runs, loan repayments and the big commitments on the horizon.
See the pinch points before they reach the bank.
01
We start with what's in the bank today and build forward from real dates: when customers actually pay, when payroll and taxes such as PAYE and VAT are due, when that stock order or deposit has to be paid. It's far more useful than a monthly average that hides the tight weeks.
02
What if your biggest customer pays a month late? What if you open another site, or buy next season's stock early? We model the options you're weighing up so you can see the impact before you commit. Then we keep checking the forecast against what really happens.
03
We build annual budgets and reforecasts around what actually drives your numbers, like volumes, headcount, pricing and margin. Each month, variance analysis shows you how you're tracking against budget and why, and it all links straight into your management accounts.
See what a decision does to cash
Each decision puts a different demand on cash. We model the options with you, month by month, before you commit. Then we keep checking the forecast against what actually happens.
┄ Base forecast━ Selected scenario
| Month | Base forecast | Spring stock buy | Open a new site | Grow the team |
|---|---|---|---|---|
| Oct | 420 | 420 | 420 | 420 |
| Nov | 460 | 460 | 460 | 460 |
| Dec | 510 | 510 | 510 | 510 |
| Jan | 380 | 380 | 380 | 370 |
| Feb | 340 | 210 | 340 | 320 |
| Mar | 300 | 140 | 300 | 270 |
| Apr | 350 | 220 | 230 | 310 |
| May | 410 | 330 | 40 | 365 |
| Jun | 450 | 420 | -60 | 395 |
| Jul | 430 | 410 | -20 | 365 |
| Aug | 470 | 460 | 30 | 395 |
| Sep | 520 | 530 | 90 | 435 |
Lowest cash: £140k in March. You can fund it without borrowing.
Every engagement is scoped around your business. It can include:
✓
Cash forecasts built to your needs, updated daily, weekly or monthly
✓
Short-term and longer-range forecasts, whatever horizon you need
✓
Receipt and payment timing, including PAYE, VAT and corporation tax
✓
Annual budgets, reforecasts and variance analysis
✓
Scenario planning for hiring, stock, new sites and investment
✓
Forecasts for lenders, investors and funding conversations
✓
Working capital planning and a clear view of who owes you and what you owe
✓
Regular checks of the forecast against what actually happened
Monthly reporting built around how you run the business, explained in plain English.
Find out more →
The whole finance function, run by one team that knows your business.
Find out more →
Invoices, payments, reconciliations and a month end that closes on time.
Find out more →