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.

Cash Flow Management

Cash Flow Management & Business Cash Planning

Cash is king. We help you forecast liquidity, avoid crunch points, and ensure your business always has the fuel to run.

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.

How We Forecast

A scientific approach to predicting your bank balance.

Step 1

Cash Flow Audit

We analyze your historical inflows and outflows to understand your baseline burn rate and payment cycles.

Step 2

Forecast Build

We build a 13-week (short term) and 12-month (long term) cash model based on real sales pipelines and fixed costs.

Step 3

Scenario Planning

We test 'What If' scenarios. What if a big client pays late? What if sales drop 20%? We plan for resilience.

Step 4

Weekly/Monthly Review

We track Actual vs Forecast. If reality deviates from the plan, we alert you immediately.

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.

A clear onboarding process

Defined monthly timelines

Accurate reconciliation and reporting

Practical explanations, not accounting jargon

Ongoing improvements as your business grows

"Our focus is on building reliable financial systems that support better decisions over time."

Frequently Asked Questions

Never Run Out of Cash Again

Get the visibility you need to sleep at night. Forecast your cash, plan your payments, and secure your business future.