See your cash needs weeks before they arrive

We prepare a 13-week cash forecast — a week-by-week view of cash coming in and going out — for owners planning near-term payments. • Start with current bank balances. • Estimate customer receipts using invoice and collection records. • Schedule payroll, supplier bills, taxes and loan payments. • Include seasonal costs and planned equipment purchases. • Compare actual receipts and payments with the forecast each week. You receive the agreed weekly forecast, supporting assumptions and explanations of changes.

We review working capital — money tied up in day-to-day operations — for businesses balancing customer collections and outgoing payments. • Review an aging report — a list showing how long customer invoices remain unpaid. • Compare expected collection dates with recent payment patterns. • Review supplier due dates and proposed payment schedules. • Assess cash tied up in stock where relevant. • Trace the time between paying suppliers and receiving customer cash. You receive the agreed collection and payment schedules and a list of items needing your team's decisions.

We review borrowing and cash reserves for owners who need to plan for delayed receipts or unexpected costs. • Compare forecast cash needs with credit limits and loan payments. • Test how late customer payments or lower sales would affect cash. • Track loan covenants — conditions in your lending agreement. • Review bank account arrangements and questions for your lender. • Document possible actions if available cash falls below the agreed level. You receive the agreed scenario comparisons, loan condition checklist and funding questions to review.

Included with CFO Essentials: cash forecasting and review work defined around your records and cash needs. • Agree on the 13-week forecast and weekly cash report. • Define the customer and supplier payment reviews. • Confirm any borrowing checks and lower-cash scenarios. • Assign record handoffs, review meetings and decision owners. You receive a written scope covering the reports, weekly update schedule and responsibilities.