Who this is for: Owners who want to know their cash position weeks ahead rather than on the day.
Cash flow planning replaces reactive bank-balance management with a forward view. We build a monthly inflow and outflow map covering collections, salaries, rent, taxes, EMIs and owner drawings.
Once the base pattern is clear, we stress it: a delayed large collection, a tax month, an unplanned repair. This shows where the business is genuinely exposed.
The plan then defines minimum cash balance, buffer sources and a simple monthly review routine.
Challenges this addresses
- Payment decisions taken on the day of payment
- Salary and tax months creating regular stress
- Owner drawings not planned into the cycle
- No minimum cash balance defined
What the engagement includes
- Monthly inflow and outflow mapping
- Surplus and deficit projection
- Stress scenarios
- Minimum balance policy
- Monthly review template