04 Advisory
Cash flow forecasting
A twelve-month rolling forecast you can actually read, updated each quarter against what really happened.
We build a twelve-month cash flow from your own history and your known commitments: wages, tax instalments, loan repayments, the quiet months and the busy ones. Then we sit down and run the two or three decisions you are weighing (a second ute, a new hire, a shed) through the model so you can see what each one does to the low point of your year rather than to the profit line. It is updated every quarter against actuals, so it stays honest.
What is included
- Twelve-month rolling cash flow built from your own history
- Tax, super and loan commitments mapped onto the timeline
- Two or three scenarios modelled at the build meeting
- Quarterly update against actuals
- A one-page version you can put on the office wall
$850 to $2,200
the initial build; the range covers a single sole trader through to a company and trust group with several income streams, and quarterly updates are included in the fixed-fee packages
Build a forecastor call (07) 5550 0080
02How it runs
Four steps, in this order
Typical turnaround: Initial build 2 to 3 weeks, then quarterly. You are told which step we are on, without having to ask.
- 01 Pull two years of history and list committed outgoings
- 02 Build the base forecast and find the low point of the year
- 03 Model the decisions you are actually weighing
- 04 Update it each quarter against what happened
03Asked often
Before you ring
If your question is not here, it is probably on the FAQ page, and if it is not there either, ring and ask.
My income is seasonal. Is a forecast worth it?
Seasonal businesses get the most out of it. Farms and trades on the Downs usually have one or two months a year where the account gets uncomfortably thin, and knowing which months those are eleven months ahead is the whole point.
Is this the same as a budget?
No. A budget is about profit, a cash flow forecast is about the bank account. A business can be profitable on paper and still not make payroll in February, and only one of those two documents will warn you.
How accurate is it really?
The first build is usually within about ten percent on the quarterly totals, and it gets tighter after the first update. It is a decision tool, not a prophecy.
What people usually pair this with
07The first meeting
Start with the free meeting
Forty-five minutes, no charge, no obligation afterwards. Long enough for us to tell you what we would charge and whether we are the right fit. In the office, at your property or on the phone.
What to bring
- Last year's return and the notice of assessment
- Access to whatever bookkeeping file you already have
- Bank statements for any account the business uses
- A rough idea of what the business does and where it is going
- Anything you have been putting off opening
Or skip the form
(07) 5550 0080- Mon to Thu 8:30am to 5:00pm
- Fri 8:30am to 4:30pm
- Sat Closed, except by appointment from July to October
- Sun Closed
Leave a message and we return it the next business morning. Fixed-fee clients can book an evening or early-morning call through the client portal, which suits people who are on a job site or in a paddock during office hours.
Thanks, that is everything we need
Demonstration only. Nothing was sent and nothing was stored. On a live site this would reach hello@tabletopaccounting.com.au and a booking would be confirmed by phone.