Advanced Cashflow Engineering & Liquidity Modelling
Profit is an opinion. Cash is a fact. We build robust 13-week cashflow forecasts that show you exactly when the money runs out—and how to fix it.
The 13-Week Runway
Insolvency Line
We identify the "pinch points" weeks in advance. This gives you time to chase debts, delay payments, or secure funding before it becomes a crisis.
"Most businesses fail not because they lack profit, but because they run out of cash. The gap between billing and banking is where companies die."
Cashflow is King
Profit is an accounting concept (invoices sent). Cash is reality (money in the bank). You can be profitable and insolvent at the same time. We prevent that.
Overtrading
Growing too fast can kill a business. If you pay suppliers before customers pay you, you run out of cash.
Covenant Breach
Bank loans often have strict "Liquidity Ratios". Dipping below them triggers an immediate recall of the loan.
The VAT Surprise
Spending the VAT money is the most common cause of SME distress.
How We Build Resilience
Ledger Cleanse
We cannot forecast on bad data. We audit your Aged Debtors (who owes you) and Creditors (who you owe) to ensure the starting position is real.
Cycle Mapping
We map your payment terms. When do customers *actually* pay (e.g. 45 days)? When is payroll? When is the rent? We build the rhythm of your business.
13-Week Model Build
We build a rolling short-term forecast. This is the gold standard for liquidity management, giving you high visibility over the next quarter.
Stress Testing
We ask: "What if your biggest client pays 2 weeks late?" "What if sales drop 20%?" We ensure you have a buffer for the worst case.
Variance Review
Weekly or Monthly, we compare the forecast to reality. Did we burn more cash than expected? Why? This allows rapid course correction.
What You Receive
13-Week Rolling Forecast
Short-term liquidity view.
Long-Term Cash Model
1-3 year strategic runway.
Breakeven Analysis
Sales needed to cover costs.
Payment Run Management
Suggested supplier payments.
Covenant Tracking
Bank ratio monitoring.
Scenario Planner
What-if modelling tool.
The Perceptive Difference
Choose Your Service Level
From emergency turnaround support to strategic expansion planning.
Turnaround Control
Best for: Cash < 2 Months
Tight Grip
For businesses in distress or tight cash positions. We implement strict controls: weekly payment runs, aggressive debt chasing, and a 13-week forecast updated every Friday to prevent insolvency.
Expansion Planning
Best for: Scaling / Funded
Strategic Vision
For growing firms. We forecast 12-24 months ahead to answer strategic questions: "When can we hire?" "Can we afford that new office?" "How much investment do we need to raise?"
Pricing Clarity
Advisory is an investment, not a cost. The ROI comes from survival and capital efficiency.
Monthly Retainers
Monthly Retainers
Packages
Quarterly Review
Quarterly Retainer
High-level liquidity check for stable firms.
- Cashflow Healthcheck
- Tax Liability Forecast
- Breakeven Update
Monthly Model
Monthly Retainer
Rolling forecast for active management.
- 12-Month Forecast
- Monthly Variance Analysis
- Scenario Modelling
Weekly Control
Weekly Retainer
Intensive management for tight situations.
- 13-Week Rolling Cashflow
- Weekly Payment Runs
- Credit Control Support
Common Questions
It is the industry standard for short-term liquidity. It covers one full quarterly VAT cycle and usually three payroll runs, giving you visibility over the most critical payments.
Yes. Lenders require a robust cashflow forecast to prove affordability. We build the model they need to see to approve your application.
If cash is tight, weekly. If you are stable but growing, monthly is usually sufficient. We adapt the rhythm to your needs.
Yes. We use tools like Float or Fluidly that plug directly into Xero to pull live data, meaning the forecast is always up to date.
Take control of your cash.
Don't wait for a crisis to understand your liquidity. Book a discovery call to see how a 13-week forecast can give you peace of mind.
- Identify cash pinch points early
- Plan for growth with confidence
