Cash flow management for owner-managed businesses.
Good cash flow management means never being surprised by your bank balance. We give you real-time visibility, manage working capital and keep short-term forecasts current, so you can invest and grow with confidence.
Cash, not profit, is what catches growing businesses out
You can be profitable on paper and still run out of cash, caught out by a big invoice, a slow payer or a growth spurt that ties up working capital. Looking at today’s bank balance is not enough.
We keep cash visible and managed. You always know your position, you can see what is coming, and you can fund growth and commit to decisions with confidence rather than crossing your fingers.
Signs you need this
- You do not know your cash position
- The balance keeps surprising you
- Unsure if you can fund a contract
- Debtors and creditors unmanaged
- No short-term cash forecast
- Growth is straining your cash
Cash, kept visible and managed
The operational side of cash: knowing your position and actively managing it.
Real-time cash visibility
Always know your current and near-term position, not last month’s bank statement.
Short-term forecasting
Rolling short-term cash forecasts, like a 13-week view, so you can see what is coming.
Working capital management
Manage debtors, creditors and payment timing to free up cash tied in the business.
Scenario & runway
See the cash and runway impact of decisions before you make them, not after.
Supplier & payment planning
Plan and time payments sensibly to smooth cash without straining supplier relationships.
Cash reporting
Clear cash reporting alongside your management accounts, so cash is always in the picture.
Our cash flow process
From visibility to active management, kept current month to month.
Map your cash flows
We understand what comes in, what goes out and when, across the business.
Set up visibility
We build a clear, current view of your cash position from your Xero data.
Build the forecast
A rolling short-term cash forecast so you can see ahead, not just behind.
Manage working capital
We work the levers, debtors, creditors and timing, to free up and protect cash.
Review & adjust
We review the position regularly and flag anything that needs action early.
Plan ahead
You make decisions, fund growth and commit with cash clarity behind you.
Managed cash flow helps you
“We have had the privilege of working with Anna as our fractional CFO and AI Accounts as our finance operations for several years, and their impact on our business has been transformative.”
Tom Webster, Capio Recruitment
Cash connects to the rest
Cash management works best joined up with these.
Credit Control
Faster collections are one of the biggest levers on your cash position.
Financial Controller
A controller owns cash oversight as part of running the whole finance function.
Forecasting & Modelling
For strategic, longer-term planning and fundraising models, step up to CFO support.
Cash flow questions
Real-time cash visibility, short-term cash flow forecasting, working capital management across debtors and creditors, runway and scenario views, and clear cash reporting alongside your management accounts.
Cash flow management is operational and short-term: knowing and managing your cash position week to week. Our Fractional CFO forecasting and modelling is strategic and longer-term, building budgets and scenario models for planning and fundraising.
Yes. We build rolling short-term cash flow forecasts, such as a 13-week view, so you can see your position ahead and act early rather than reacting to the bank balance.
Yes. We manage the levers that free up cash, debtors, creditors and payment timing, so working capital supports growth rather than constraining it.
Yes. We build cash visibility and reporting directly from your Xero data, so the cash picture stays current and connected to the rest of your finances.
Cash flow management sits within Finance Operations, which starts from £1,500 plus VAT a month, scoped to your needs.
Always know where your cash stands
Swap bank-balance guesswork for real cash visibility and control. Book a quick intro call to get started.
Need this sorted quickly? The Cash Visibility Sprint gives you a 13-week cash forecast and a prioritised plan for a fixed price.