Reported sales are not becoming available cash
Invoice timing, collection delays or other operating requirements are making it difficult to anticipate the funds available for upcoming payments.
OUR SERVICES
Treasury & Cash Flow Advisory
For enterprises managing uneven collections, recurring payment commitments or a changing level of funds tied up in day-to-day operations.
SERVICE OVERVIEW
Receipts, payments and liquidity
Test when money will arrive and what commitments it must cover.
A sales figure does not show when cash will arrive or which commitments it must cover. We examine expected receipts and payments, working capital needs and the assumptions behind them, helping management plan around the periods when available cash may come under pressure.
When this service is useful.
A busy period needs more working capital
Planned activity brings costs forward while customer receipts arrive later, creating a gap that needs to be understood.
Management needs to test cash runway
Existing funds and expected receipts must be considered against scheduled outflows, including what happens if collections are delayed.
The analytical work.
Establish the cash starting point
Review the available cash information, existing commitments and relevant planning horizon. Identify funds that cannot be used for ordinary payments and gaps in the starting information.
Forecast receipts and payments by date
Organise expected cash movements around likely collection and payment dates. Record the assumptions behind uncertain receipts, irregular costs and significant commitments rather than relying on invoice totals alone.
Examine working capital and runway
Assess how the operating cycle affects funding needs. Where the information allows, estimate how long available funds cover expected net outflows and test delayed receipts or earlier payments.
Review timing and refresh expectations
Highlight periods requiring a decision, review the payment plan and compare forecast movements with actual cash flows. Update remaining assumptions as collection information and commitments change.
Potential service deliverables.
The assignment may include the following work products. Format, level of detail and any recurring updates are agreed in the service agreement.
Receipt and payment forecast
A period-by-period view of opening cash, expected inflows, planned outflows and closing cash, supported by the collection and payment assumptions used.
Working capital planning review
An assessment of the timing between operating expenditure and receipts, the resources tied up during that interval and the periods where additional attention is needed.
Liquidity timing and runway scenarios
A comparison of the working expectation with relevant downside timing assumptions, showing how delayed collections or changed commitments affect cash availability and estimated runway.
Payment planning and review priorities
A schedule of material commitments and forecast assumptions for management to monitor, with questions to resolve before payment decisions or new commitments are made.
Use the analysis in management reviews.
- Anticipate timing gaps before they become immediate payment pressures.
- Understand how operating activity affects the funds needed between payments and collections.
- Reconsider commitments using current receipt expectations rather than an unchanged forecast.
The service provides cash flow analysis and payment planning; the business retains control of its accounts and payment execution.
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