Cash flow forecasting and budgeting that helps you plan ahead, not just look back.
The gap between profit and cash is where many small businesses feel the most pressure. Customers pay late, bills arrive early, and tax, super, and wages don’t wait. With super now paid every payday, timing matters more than ever.
East Coast Bookkeeping & Business Solutions builds cash flow forecasts and budgets from your actual figures. For bookkeeping clients, that means a forecast based on numbers we already know well.
Annual cash flow forecasting
An annual cash flow forecast maps out your expected cash position for the year ahead. We build it from your business data, known costs, expected income, seasonal patterns, tax, and planned spending.
You’ll see when cash may be tight, when you have room to invest, and what to plan for now. It’s a practical tool for seasonal businesses and for owners planning to hire, expand, or buy equipment.
Cash flow management
Managing cash flow isn’t a once-a-year job. We monitor what affects your cash and help you adjust as you go.
That can include chasing debtors, timing supplier payments, managing stock, wage costs, tax planning, pricing, and payment terms. The goal is to keep money moving through the business, not to report on problems after they happen.
Cash conversion cycle analysis
Your cash conversion cycle is the time between paying for something and getting paid for it. The longer the cycle, the more pressure on your bank account.
We find where cash gets held up in your business and look for practical ways to shorten the cycle. That might mean faster invoicing, firmer payment follow-up, better supplier terms, deposits, tighter stock control, or clearer job costing. Small changes here can make a real difference to your bank balance week to week.
Small improvements here can make a meaningful difference to day-to-day cash confidence.
Cash flow and profit improvement sessions
A cash flow and profit improvement session finds where your business is leaking cash and where you can improve. We review your numbers, talk through the pressure points, and give you a clear action plan.
This is especially useful if you’re busy, but cash still feels tight. Or maybe you’re facing a major decision and need a clearer picture first. For broader goal-setting and planning, see our strategic coaching and business planning.
Accounts payable and receivable management
How quickly you pay and get paid directly affects cash flow. We can manage supplier payments and debtor follow-up, so money spends less time outside your business.
Clear invoices, payment terms, and follow-up processes mean fewer surprises and a better view of your cash. If you’d like us to handle your day-to-day books too, see our bookkeeping and ATO compliance services.
Budgeting support
A useful budget should be a living tool, not a document that gets created once and forgotten. We help build realistic budgets that reflect your business goals, then track performance against those budgets over time.
This helps you understand whether the business is moving as expected and where adjustments may be needed.
Who this service is for
This service suits owners who are profitable but always short of cash, seasonal and growing businesses, and owners planning major investments, expansion, or a new location.
We support business owners in Berry, Kiama, Nowra, Shellharbour, Ulladulla, Wollongong, the Southern Highlands, and Australia-wide from our office in South Nowra.
Stop being surprised by your cash flow
Book a free 30-minute consultation by phone, online, or in person. We’ll look at where your cash stands now and what kind of forecast or support would help. Obligation free.
