Profit is Theory. Cash is Reality.
You can be profitable on paper and still go bankrupt if you run out of cash. Our cash flow services bridge the gap between "Sales Made" and "Money in the Bank."
- Identify cash crunches weeks or months before they happen
- Strategies to shorten your Cash Conversion Cycle (get paid faster)
- Planning for large payments (Provisional Tax, VAT, Bonuses)
- Essential for seasonal businesses or rapid-growth phases
- Detailed 13-week rolling cash flow forecasts
Mastering Liquidity
We focus on the three levers that control your bank balance.
Inflows (Receivables)
We analyze your average collection period. If you wait 60 days to get paid, your cash is trapped. We implement systems to get that down to 30 or 15 days.
Outflows (Payables)
We strategize your payments. Prioritizing critical suppliers while negotiating better terms with others helps keep cash inside the business longer without damaging relationships.
Reserves (Buffer)
We help you calculate your safe "Burn Rate" buffer. Knowing you have 3 months of expenses covered gives you the confidence to invest in growth risks.
Who this is for
Cash flow planning matters most when your timing of income and costs is uneven.
Project-Based Firms
Businesses that invoice in stages and carry salary, subcontractor, or supplier costs long before the client settles.
Retail and Inventory-Heavy Businesses
Companies with cash tied up in stock, seasonal buying cycles, and pressure to pay suppliers before stock fully converts to revenue.
Fast-Growth Businesses
Teams hiring aggressively, opening locations, or increasing overheads who need to know whether growth is outpacing available cash.
Businesses Under Funding Pressure
Companies preparing for bank discussions, investor updates, or internal board reviews where liquidity planning must be defensible.
Founders Managing by Gut Feel
Owners who know the business is moving but do not yet have a weekly forecasting rhythm to show exactly what the next 30, 60, and 90 days look like.
Problems We Solve
Most cash crises are not random. They come from timing mismatches, poor visibility, and the absence of a working forecast. We fix those conditions before they become emergencies.
- Late-paying customers create profitable months on paper but leave the business short on rent, payroll, or VAT cash
- Large once-off obligations like provisional tax, annual bonuses, or supplier deposits hit without enough cash reserved
- Inventory purchases and project costs are committed before the matching revenue lands in the bank
- Business owners cannot tell which weeks are safe and which weeks create immediate liquidity risk
- Banks and funders ask for a forward-looking cash plan and the business only has historical bookkeeping
- The business keeps reacting to emergencies instead of planning collections, payments, and short-term financing properly
A good cash forecast shows pressure points before they hit your bank balance.
How We Forecast
A scientific approach to predicting your bank balance.
Cash Flow Audit
We analyze your historical inflows and outflows to understand your baseline burn rate and payment cycles.
Forecast Build
We build a 13-week (short term) and 12-month (long term) cash model based on real sales pipelines and fixed costs.
Scenario Planning
We test 'What If' scenarios. What if a big client pays late? What if sales drop 20%? We plan for resilience.
Weekly/Monthly Review
We track Actual vs Forecast. If reality deviates from the plan, we alert you immediately.
Prerequisites & Documents Needed
We build the model from operational reality, not guesswork. These are the records and forward assumptions that help us produce a forecast you can actually trust.
- Recent bank statements and access to your cloud accounting platform or bookkeeping exports
- Accounts receivable and accounts payable listings showing who owes you and who you owe
- Sales pipeline or signed work on hand where future cash receipts need to be forecast
- Upcoming payroll, rent, tax, loan, and supplier commitments for the next 3 to 12 months
- Details of one-off events such as stock purchases, capex, bonus cycles, or funding drawdowns
- Any existing budget, forecast, board pack, or lender reporting pack already used internally
Deliverables & Outcomes
The output is not just a spreadsheet. You get a practical planning tool that shows where cash tightens, what to do next, and which assumptions matter most.
- 13-week rolling cash flow forecast for immediate weekly liquidity planning
- Longer-range monthly forecast for planning tax, payroll, growth, and working capital needs
- Cash gap analysis showing where negative periods are likely to occur and why
- Collections and payment-priority recommendations to improve timing of inflows and outflows
- Scenario models for downside, expected, and growth cases so management can act early
- A decision-ready summary you can use in owner meetings, internal reviews, or lender conversations
Timeline & Expectations
Clear timing so you know when the first forecast and the update rhythm will be in place.
Initial cash flow review
2-4 business days once the core records are available
First forecast build
3-5 business days depending on complexity and data quality
Scenario planning and management review
1-3 business days
Ongoing weekly or monthly updates
Typically 1-2 business days per cycle
What can cause delays: Delayed bank statements, incomplete debtor or creditor schedules, uncertain sales pipeline assumptions, and missing tax or payroll obligations can slow down the first model.
Benefits of Ongoing Cash Flow Planning
What improves when liquidity planning becomes part of your operating rhythm.
Fewer emergency cash decisions because weak weeks are visible before they arrive
Better payment prioritisation across payroll, suppliers, taxes, and debt obligations
Cleaner planning for growth so hiring or stock purchases do not quietly break liquidity
More credible lender and investor conversations supported by actual forward cash models
Reduced stress for management because cash decisions become scheduled instead of reactive
A stronger link between bookkeeping, management reporting, and real operating decisions
Vital For...
The Project-Based Business
High revenue on paper, but cash only comes in milestones. Needs to bridge the gap between expenses and invoice payment.
The Retailer (Stock Heavy)
Cash is tied up in inventory. Needs to balance stock purchases with sales cycles to avoid liquidity traps.
The Rapid Scaler
Growing too fast can kill you. Hiring staff and buying tools before new revenue lands requires precise cash planning.
How We Work
We believe good accounting starts with structure and consistency. Our approach is designed to give business owners clarity without unnecessary complexity.
Related Insights and Resources
Use these links to move from service scope into practical guidance, supporting documents, and regional pages.
Practical guidance on how Management Accounts Improve Business Decisions.
Practical guidance on what a Monthly Accounting Service Should Deliver Each Month.
Practical guidance on why Cash Flow Management Fails Without Current Management Accounts.
Practical guidance on budgeting vs Forecasting for Business Owners.
Practical guidance on how to Build a Clean Month-End Close Process.
Practical guidance on the 5 Accounting KPIs Every Owner Should Review Monthly.
Frequently Asked Questions
Why do I have profit but no cash?
This is the classic 'Cash Gap'. Profit is recorded when you invoice, but cash is only recorded when you get paid. If you pay suppliers in 30 days but clients pay you in 60 days, you are profitable but cash-poor. We help you fix this.
What is a 13-Week Cash Flow Forecast?
It is the gold standard for liquidity management. It looks Granularly at the next quarter—week by week—predicting exactly which bills can be paid and when cash will land. It gives you immediate tactical control.
Can you help me get paid faster?
Yes. We review your Debtor Management process. We can implement automated reminders, stricter credit terms, and deposit requirements to shorten your 'Days Sales Outstanding' (DSO).
Do you help with funding applications?
Yes. If our forecast shows a gap, we can use that professional report to apply for an overdraft, trade finance, or a business loan. Lenders trust our data.
Is this a one-off or monthly service?
It can be both. We can build a model for you as a project, but cash flow management works best as an ongoing advisory service where we update the model monthly.
How do big tax payments fit in?
We 'provision' for them. Instead of a surprise R100k provisional tax bill in August, our model ensures you have been setting aside cash for it since March.