Cashflow Forecasting
Profit on paper does not always mean cash in the bank. We build practical cashflow forecasts so you can plan tax bills, supplier payments and growth decisions with fewer surprises.
Who this service is for
- Directors managing uneven income or seasonal trading
- Businesses preparing for hiring, equipment or expansion
- Owners wanting earlier warning of cash shortfalls
- Companies presenting figures to lenders or investors
Common challenges
- Unexpected cash pressure despite profitable months
- Tax and VAT bills arriving without a payment plan
- Limited visibility beyond the next few weeks
- Forecasts that are too complex to maintain
What is included
- Review of recent cash and trading patterns
- Build of a practical forecast model
- Scenario notes for key decisions where requested
- Tax, VAT and payroll timing built into the outlook
- Follow up review to update assumptions
How the process works
- 1.Gather bank, sales, cost and tax timing information
- 2.Agree forecast horizon and level of detail
- 3.Prepare the forecast and highlight pressure points
- 4.Review actions and update the model as trading changes
Documents normally required
- Bank statements and current balances
- Sales pipeline or recurring revenue details
- Supplier payment terms and loan schedules
- Payroll and tax payment dates
- Budgets or prior forecasts if available
Key deadlines
Forecasts are planning tools rather than statutory filings. Updates are most useful ahead of VAT, corporation tax, payroll and major spending decisions.
For official dates, check GOV.UK.
Benefits
- Earlier warning of cash gaps
- Better timing for tax and investment decisions
- Clearer conversations with lenders or partners
- A living model you can revisit as plans change
Related services
- View Management Accounts servicesRegular management accounts so directors can track performance, cash and margins between year ends.
- View CFO Advisory servicesPart time CFO style support for directors who need clearer financial leadership without a full time hire.
- View Business Growth Planning servicesFinancially grounded growth planning for hiring, pricing, investment and expansion decisions.
Frequently asked questions
Discuss cashflow forecasting with our team
Book a free consultation on Picktime or send an enquiry. We will confirm scope and fees before any engagement begins.