Cash Flow Management. Done right.

Thirteen weeks is the window where most cash crises become visible while you still have room to act - chase a debtor, defer a supplier, draw on a facility, or pull a planned outflow. Annual forecasts are too coarse to spot a payroll squeeze; monthly ones lag the weekly cash cycle most SMEs actually run on. The 13-week model is the standard tool used by turnaround practitioners and lenders.

Read-only access to your bank feeds, accounting software (Xero, QuickBooks, FreeAgent, or Sage), and your aged debtors and creditors reports. The first forecast is built within the first week of onboarding and reviewed with you live; from then on it updates automatically each week against actuals.

Crisis cash flow work starts the same week. We map every committed outflow against expected receipts for the next 6 weeks, identify which payments are statutory (PAYE, VAT, pension) versus discretionary, open conversations with priority creditors, and draft a Time to Pay submission to HMRC if needed. This is included in standard engagements, not billed as emergency consultancy.

Yes. Our forecasts use the format UK clearing banks, asset finance providers, and invoice discounters expect - opening balance, weekly receipts split by category, weekly payments split by category, closing balance, and headroom against any covenants. The same pack supports CBILS, RLS, and standard overdraft renewals without rework.

Seasonal businesses get a working capital cycle layered on top of the base forecast - peak inventory build, customer deposit timing, off-season fixed cost runway, and the cash trough that typically follows a peak. We back-test against your last two years of bank statements so the forecast reflects reality, not best-case planning.