Business finances and cash flow management

Finances

Get on top of your cash flow, understand your profitability, and access new funding when you need it.

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Cash is king. Without a firm grip on your finances, even a profitable business can run into serious trouble. We help small business owners understand their numbers, manage cash flow, and build the financial foundations for sustainable growth.

Cash Flow

As a business owner you have to manage your cash to meet your payment obligations as they fall due. We help you:

  • Build a simple, practical cash flow budget you’ll actually use
  • Review your cash position regularly (it only takes 2 minutes a day)
  • Understand the difference between profit and cash
  • Put credit control procedures in place to get paid on time
  • Manage overdrafts and other facilities appropriately

Key principles we work on together:

  • Invoice promptly — don’t wait until month end
  • Know what’s due in and out over the next 30 days at all times
  • Curtail non-essential expenditure when cash is tight
  • Turn stock over quickly
  • Have simple credit application procedures for customers

Profitability

All business owners need to understand the basics of how the numbers work. You’ll only be in control of your business when you understand what your results mean.

We help you get across:

  • Your fixed costs and break-even point
  • Gross profit percentage and what drives it
  • Net profit and where it goes
  • How to read your P&L and balance sheet
  • What to look for when you review your accounts monthly

Sitting down with your numbers at least once a month — and understanding what you’re looking at — is one of the highest-value activities a business owner can do.

New Funding

When your business needs capital to grow, we help you understand your options and put your best case forward:

  • Assessing whether debt or equity funding is right for your stage
  • Preparing for a conversation with a bank or lender
  • Understanding what financiers look for in a small business
  • Reviewing your financial position before approaching funders

We don’t provide financial advice — but we do help you get your business in the best possible shape before you have those conversations.