For Business · Advisory
Cash Flow Forecasts
A rolling twelve-month view of cash, with the tax and super already provisioned and the scenarios already modelled.
Overview
Profit is an opinion. Cash is a fact.
Profitable businesses run out of money for predictable reasons: customers pay slower than suppliers, growth consumes working capital before it produces it, and the ATO wants a year of tax in one instalment. None of those are surprises. They are timing problems that show up in a forecast months before they show up in the bank account.
We build a rolling twelve-month forecast from your actual ledger, provision for tax and superannuation as they accrue rather than when they fall due, and model the decisions you are weighing up. Each month we compare forecast to actual and tell you what moved, so the model gets more accurate rather than more optimistic.
How we help
- 01
Rolling twelve-month forecast
Built from your live ledger and updated monthly, so the horizon stays twelve months rather than shrinking.
- 02
Scenario modelling
Hiring, raising prices, losing your largest client or taking on premises, each modelled before you commit.
- 03
Tax and super provisioning
GST, PAYG and superannuation set aside as they accrue, so quarterly obligations stop being shocks.
- 04
Funding-ready pack
The forecast, assumptions and sensitivity analysis in the format lenders and brokers ask for.
- 05
Monthly variance review
Forecast against actual each month, with the assumptions corrected rather than quietly carried forward.
Resources
Cash tight three months out?
A forecast will tell you whether it is a timing problem or a pricing problem.
FAQ
Cash flow questions
A profit and loss tells you whether the business made money. A cash forecast tells you whether you can pay wages in eleven weeks. They diverge because of debtor timing, stock, capital purchases, loan principal and tax instalments, none of which appear as profit.
Twelve months rolling, reviewed monthly. Shorter than that and you cannot see a tax quarter or a seasonal trough coming. Longer than twelve months and the assumptions carry more weight than the data.
Access to your accounting file, your debtor and creditor terms, any loan schedules, and half an hour to talk through what you expect to change. If we do your bookkeeping we already have most of it.
The pack is prepared in the format lenders expect, with assumptions documented and sensitivities shown. Whether they lend is their decision, but they will not send it back asking for a different format.
Monthly for most businesses, weekly if cash is genuinely tight or you are trading through a turnaround. The point of a rolling forecast is that it moves with you rather than sitting in a folder from last quarter.
Speak to an accountant
Free 30-minute consultation.
No obligation. We’ll review where you are and tell you what we’d do.
+61 451 114 862Book a consultationThis page is general information only. It does not take your circumstances into account. Speak to a registered tax agent before acting on anything here.
Related services
Often paired with forecasting.
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