Services / Business Financial Planning

Business Financial Planning

Budgets, cash flow plans, and goals tied to the numbers you actually have.

Talk to us about thisHow it works

We had a good month, so why is the bank account low?

The kind of question this service answers, using your own records and numbers.

13-week cash flow forecast

Example
Week 1Week 13

Week 5: payroll and rent land together.

Illustrative. Bars show cash in (blue) and cash out (grey); the line is the bank balance.

Who it is for

Owners who run the business from the bank balance, feel the squeeze every time payroll or rent is due, or want to make a big decision (a hire, a lease, new equipment) with real numbers behind it.

Common problems it solves

  • Cash runs short at the same points every month and it still catches you off guard.
  • There is no budget, or there is one nobody compares with what actually happened.
  • You want to hire or expand but cannot tell whether the business can carry it.
  • Your goals for the year are a feeling, not a number with a date on it.

What you get

  • A working annual budget built from your own records, with the assumptions written down.
  • A 13-week cash flow forecast you can keep up to date yourself.
  • A short list of financial goals, each with a target, a date and the measure that tracks it.
  • A monthly check-in that compares budget with actual results and explains the gaps in plain language.

How the process works

  1. Intro call

    We talk about the business, how money moves through it, and what you want to plan for.

  2. Collect records

    You share bank statements, your bookkeeping file and any existing budget. We tell you exactly what we need.

  3. Build the plan

    We draft the budget and cash flow forecast and walk through every line with you.

  4. Review monthly

    Each month we compare the plan with what happened and adjust it together.