Rolling window.
Actuals vs plan.
Quick start.
Cash position.
Critical Problems We Solve
Effective financial management isn't just about balancing books; it's about removing the friction points that stall your business growth.
Running out of cash despite being profitable
Inability to predict payroll shortfalls
Late supplier payments damaging relationships
Panic borrowing at high interest rates
Profit vs Cash: The Critical Difference
You can have a R1 million profit on your Income Statement and R0 in the bank. How? Because profit includes non-cash items (depreciation) and doesn't account for loan repayments, VAT payments, or capital expenditure.
We bridge this gap by showing you exactly where your cash went, every month.
- Profit to cash reconciliation
- Non-cash item analysis
- Working capital impact
- Capital expenditure planning
The Debtor Problem
In South Africa, the average SME waits 45-90 days to get paid by their clients. Meanwhile, they must pay salaries, rent, and SARS on time.
We analyze your Debtor Days, identify slow payers, and implement strategies to speed up collections — from credit terms review to automated reminders.
- Debtor Days analysis
- Collection strategy
- Credit term optimization
- Aged debtors management
Seasonal Business Planning
If your business has seasonal peaks and troughs (construction, tourism, retail), you need a cash flow strategy that carries you through the quiet months.
We build a 12-month seasonal forecast that shows exactly how much cash you need to save during peak months to survive the quiet ones.
- Seasonal forecasting
- Peak/trough analysis
- Cash reserve planning
- Overdraft facility sizing
Who Is This For?
- Businesses experiencing cash crunches despite being profitable
- Companies with seasonal revenue patterns
- Businesses preparing for large capital expenditures
- Start-ups managing burn rate
Engagement Requirements
- Bank statements (3-6 months historical)
- List of recurring commitments (rent, salaries, loan repayments)
- Debtor and Creditor aged analysis
- Revenue pipeline or sales forecast
Deliverables & Results
- 13-Week Rolling Cash Flow Forecast
- Monthly Cash Flow Statement (Direct Method)
- Working Capital Analysis
- Debtor and Creditor Days Calculation
- Cash Surplus/Deficit projections
South African Compliance Context
"Creations transformed how we handle SARS. No more compliance anxiety."
Trusted Resources
Our Operational Methodology
A structured, 5-step approach designed for precision and clarity.
We map all your cash inflows (collections, grants, loans) and outflows (salaries, rent, SARS, suppliers) on a weekly basis.
We build a 13-week rolling forecast that shows exactly when you will have surplus or shortfall.
We identify ways to accelerate collections, negotiate payment terms, and eliminate unnecessary spend.
We update the forecast weekly with actuals and flag any deviations from plan.
Professional Insights
80% of business failures are due to cash flow problems, not profitability problems. The distinction is critical.
If your Debtor Days are 60 but your Creditor Days are 30, you are funding your clients' businesses with your own cash.
A 13-week cash flow forecast is the single best tool to prevent business failure.
Common Questions
Everything you need to know about our cash flow management & forecasting service.