13-week cash flow forecasts and proactive planning that keep your UK business solvent, fundable and ready for every tax deadline.
Profitable businesses still fail when cash runs dry. Our UK cash flow management services give you a rolling 13-week forecast, scenario planning and timed tax provisioning so you always know what's coming in, what's going out, and exactly how much you can safely draw. Delivered by an ACCA-qualified accountant on fixed monthly pricing, with replies inside 72 hours.
We build a live, rolling 13-week cash flow forecast in Xero, QuickBooks, FreeAgent or Sage, mapping every receipt and payment week by week. You see your lowest projected balance before it arrives, so a slow-paying customer or a quarterly VAT bill never becomes a crisis. The forecast is refreshed monthly against actuals so it stays honest.
We ring-fence cash for every liability on its real due date: VAT quarterly, Corporation Tax 9 months and 1 day after your year-end (19% to £50,000 of profit, 25% above £250,000, with a 26.5% effective marginal rate between), PAYE/NIC monthly, and Self Assessment payments on account. From April 2026, MTD for Income Tax also applies to sole traders and landlords with qualifying income over £50,000, so we build that rhythm in early.
We track your debtor days, creditor days and stock turn, then tighten the cash conversion cycle. That means credit control routines, sensible payment terms, and using supplier credit deliberately rather than by accident. We also assess the VAT Cash Accounting Scheme (open to businesses with taxable turnover of £1.35 million or less), which lets you pay VAT only once your customer has paid you.
Before you hire, buy equipment or take on a big contract, we model it. Best case, worst case and a realistic middle, each shown against your 13-week runway. We factor in capital allowances on equipment, the £1,000,000 Annual Investment Allowance and 100% full expensing for companies, so the timing of a purchase works for both cash and tax.
For owner-managed limited companies we plan a tax-efficient, cash-safe split of salary and dividends, checking distributable reserves before anything is paid. Dividends are taxed at 10.75%, 35.75% and 39.35% across the basic, higher and additional bands above the £500 dividend allowance, and we make sure each drawing leaves enough cash behind for the company's own tax bills.
When the forecast shows a shortfall, we act early rather than late. That can mean arranging an invoice finance or overdraft facility, restructuring supplier terms, or negotiating an HMRC Time to Pay arrangement to spread a VAT, PAYE or Corporation Tax bill in instalments and reduce late-payment penalties. Early action keeps you in control and protects your credit standing.
Because we provision for VAT, Corporation Tax, PAYE and Self Assessment on their real due dates, the money is already set aside when HMRC asks for it. No scramble, no emergency borrowing, no late-payment interest.
You deal with a single named, ACCA-qualified accountant, not a call-centre queue. They understand your forecast, your seasonality and your goals, and reply within 72 hours.
Cash flow work sits inside transparent fixed pricing at £99, £199 or £499 a month on a rolling monthly basis. You can scale up or step down as your needs change, and there are no hourly-rate shocks for picking up the phone.
We work live inside Xero, QuickBooks, FreeAgent or Sage, so your forecast reflects this week, not last quarter. When you're weighing a hire or a big purchase, you decide on current numbers, not guesswork.
Every engagement is backed by a 30-day money-back guarantee. If the forecasting and planning don't earn their keep in the first month, you don't pay for it.
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
3-statement forecasts, scenario modelling, and investor-grade financial models.
Read moreBank-ready and investor-ready business plans with financials that hold up.
Read moreDirect line to your account manager for the questions that come up between calls.
Read moreAged debtor chasing, payment terms enforcement, and collections support.
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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.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
