Cash Flow Intelligence

Cash flow is the single most common cause of UK small business failure — not profitability, not market conditions, but running out of cash at the wrong moment. Cash Flow Intelligence gives you a 13-week rolling forecast so you can see what's coming and act before it becomes a problem.

Each month, your accounting data is analysed to build a week-by-week cash model covering expected inflows (customer receipts, tax refunds, planned revenue) and outflows (supplier payments, payroll, HMRC, rent, and recurring commitments). The model flags weeks where your projected closing balance falls below a threshold you set — giving you time to chase invoices, arrange a short-term facility, or defer non-essential payments.

The forecast also identifies structural timing mismatches: for example, businesses where customer payment terms (60 days) are much longer than supplier payment terms (30 days), creating a recurring cash gap. Understanding this dynamic — and modelling what happens if you change one variable — is something most accountants don't provide until it's already a crisis. We do it every month, proactively.

Seasonal pattern modelling is also included. If your business has predictable quiet periods — whether you're a retailer with a January slump, a B2B services firm with a summer slowdown, or a hospitality business with seasonal peaks — the model incorporates historical patterns to give you a more realistic view of what cash will look like in 8–12 weeks' time.

Every month you receive a dashboard PDF — a clear, visual summary of your 13-week forecast, week-by-week. Designed to be read in under five minutes, shared with your bank, or reviewed with your business partner. No spreadsheets. No guesswork.