Cash-flow planning for trading weeks ahead

Who it is for

Owner-managers and finance leads in small and medium-sized enterprises whose bank balance swings with customer payment habits, seasonal stock buys, or VAT quarters. If you have ever delayed a supplier because the spreadsheet and the bank account told different stories, this engagement is aimed at you.

Result you can expect

A working thirteen-week cash map, agreed assumptions with your team, and a short list of levers you can pull when a week looks thin — invoice timing, purchase deferrals, or a candid conversation with your lender grounded in figures.

What is included

• Opening diagnostic of how cash currently moves through the business
• Construction of a rolling thirteen-week forecast using your actual bank and sales patterns
• Two working sessions with directors to stress-test slow-paying customers and large outgoings
• A written decision guide covering warning thresholds and who acts when they are crossed
• One follow-up review four weeks after the map goes live

What is excluded

Bookkeeping catch-up, statutory accounts, tax filing, and software implementation are outside this engagement. We work with the records you already keep; if the ledgers are incomplete we will say so before work begins.

How we work

1. Discovery call — confirm trading pattern, systems, and urgency.
2. Numbers collection — bank history, open invoices, committed purchases, payroll dates.
3. Build and challenge — draft forecast, then pressure-test with you.
4. Handover — decision guide, ownership of weekly updates, follow-up diary date.

Duration and delivery

Most firms complete the core work in three to five weeks, depending on how quickly numbers arrive. Sessions run by video across the United Kingdom; on-site workshops near Bromham are available when a full management team needs to sit in one room.

Preparation

Have three months of bank statements, a list of recurring payments, and aged debtors ready. Nominate one person who can answer questions between sessions within two working days.

Pricing basis

Fees start at £1,850 for a single-entity trading business with straightforward sales cycles. Multi-entity groups, heavy stock businesses, or firms needing a longer model attract a scoped quote after the discovery call. No payment is taken online; we invoice after the engagement is agreed.

Next step

Request a call and mention cash-flow planning. We will confirm fit before proposing dates.