Business Consultancy & Cash-Flow Forecasting
Financial analysis for growth, investment and business planning.
We provide business consultancy, budgeting and cash-flow forecasting for owner-managed companies and growing businesses. We assess the financial implications of expansion, recruitment, pricing and investment, helping you compare options and plan the resources required.
Based in Greater Manchester, supporting clients across the UK.
At a glance
- Who it is for
- Owner-managed companies and growing businesses planning their next stage
- What we prepare
- Budgets, cash-flow forecasts, scenario analysis and financial projections
- Decisions we support
- Expansion, recruitment, pricing, investment and funding requirements
- How we work
- Documented assumptions, discussed with you, tested against alternatives
- What we do not do
- Arrange finance or guarantee funding; lending decisions remain with the lender
Business Consultancy and Forecasting Services
Business plans and budgets
We translate your objectives into financial plans covering expected income, expenditure and resource requirements.
Cash-flow forecasts
We project receipts, payments and funding requirements using documented assumptions.
Scenario analysis
We compare how changes in sales, costs, timing or investment could affect profit and cash availability.
Commercial decisions
We evaluate the financial implications of recruitment, pricing, expenditure and growth proposals.
Evaluating Opportunities and Financial Risk
A profitable project can still put pressure on cash flow. We examine the timing of receipts, payments and commitments as well as the effect on results, helping you assess financial viability. Forecasts depend on the assumptions used, and actual results may differ.
What is cash-flow forecasting?
A cash-flow forecast estimates the money coming into and going out of your business over a period, usually the next 12 months, and shows when cash may run short. It differs from a profit forecast: a business can be profitable on paper and still run out of cash if customers pay late, stock is bought early or tax and VAT payments fall due. A forecast also shows how much you could safely spend, hire or invest, and when you might need funding.
Business consultancy for growing businesses
Business consultancy here means financial analysis that supports your decisions. We work from your actual figures, so the starting point is usually your management accounts and reporting. We consider the tax effects of decisions alongside the commercial ones; see tax planning. And because forecasts need reliable data, we may review your bookkeeping first.
Typical questions we help with:
- Can we afford to hire, and when?
- What happens to cash if we raise or lower prices?
- How much funding would an expansion require, and when?
- What if sales are slower than planned or customers pay later?
How we build a forecast
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Understand the planWe discuss your objectives, timing and the decisions in front of you.
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Gather the dataWe use your actual results, budgets, commitments and known payments.
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Set the assumptionsWe document each assumption, such as sales growth, margins, payment terms and costs, and agree it with you.
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Build the modelWe project income, costs, tax and cash over the agreed period.
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Test scenariosWe show how the projections change under different conditions.
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Review and updateWe explain the results and update the forecast as actual figures come in.
If a forecast supports a funding application, we prepare it around the information the lender requests. Lending decisions and terms remain the lender’s responsibility.
What affects the fee for consultancy and forecasting
We do not publish fixed prices. The fee depends on the scope of the question, how many scenarios you want, the time period, the quality of the data and whether the work is a single project or ongoing support. We agree the scope and fee in writing before work begins.
Frequently Asked Questions
Straight answers to common questions about this service.
Can you prepare forecasts for a funding application?
Yes. We prepare financial forecasts and projections around the information a lender requests. Lending decisions and terms remain the responsibility of the lender.
Is business consultancy available for a specific project?
Yes. We can advise on a particular decision, investment or growth proposal, or provide ongoing business advisory support.
How do you account for uncertainty in forecasts?
We document the assumptions and test alternative scenarios where appropriate, showing how changes in trading conditions could affect the projections.
Becoming a Client
Contact us to discuss your business plans and the financial analysis needed to assess your options.
We agree the scope and fees in writing before work begins. Any additional work and costs are agreed with you in advance.