Business advice and forecasting
Budgets, cash flow forecasts and practical advice to help you plan, borrow and grow.
Banks ask for forecasts when you borrow, but a good forecast is worth more to you than to them. It shows when cash will be tight, how much funding you really need and what growth will cost.
Profit and cash are not the same thing. Credit given to customers, credit taken from suppliers and VAT all move cash without changing profit. We build forecasts that show both.
What we can do for you
Cash flow forecasts
When money will come in and go out, including VAT and tax bills, so there are no surprises.
Budgets and profit forecasts
Realistic sales, margins and costs, so you can plan ahead and keep spending in check.
Plans for lenders
The forecasts and figures banks expect for loans, overdrafts and finance.
Management consultancy
A second pair of eyes on pricing, costs, structure and growth.
Mortgage paperwork
Self-employed and director mortgages need the right figures. We prepare them and can introduce you to mortgage advisers we trust.
Business dispute support
Clear figures and practical help when directors, partners or suppliers fall out, alongside your solicitor where needed.
Common questions
What's the difference between a profit forecast and a cash flow forecast?
A profit forecast shows how well the business should do. A cash flow forecast shows when money actually arrives and leaves. A profitable business can still run out of cash, which is why you need both.
How far ahead should I forecast?
Twelve months, month by month, is usual. Start-ups and lenders often want two or three years at a higher level.
We've fallen out with a business partner. Can you help?
Yes. We can review the accounts, value the business or shares and set out the numbers clearly, which often takes the heat out of a dispute. Where legal advice is needed, we work alongside your solicitor.
General information for the 2026/27 tax year, not advice for your situation. Book a free consultation to talk about yours.
Book a free consultation
A free, no-obligation chat about what you need, in person in Luton, by phone or online.
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