See the cash squeeze before it sees you.
Practical budgets and rolling cash flow forecasts built from your live Xero data — so decisions get made weeks ahead of the pinch, not during it.
Get in touch13-week cash forecasts
Week-by-week visibility for tight periods, big commitments and lender conversations.
Annual budgets
Built from real history and your plans, reviewed against actuals so they steer behaviour.
Scenario modelling
New hire, new premises, price change, losing the big customer — modelled before you decide.
Bank & QBCC ready
Projections with an accountant's working papers behind them, ready for scrutiny.
Related: CFO advisory · QBCC reporting · accounting
FAQ
Budgeting questions, answered
Why does a profitable business still run out of cash?
Because profit and cash are different clocks. Sales booked today are collected in 30–60 days; BAS, super and wages leave on fixed dates; stock and equipment consume cash before they earn it. A cash flow forecast lines those clocks up so you see the squeeze weeks ahead, while there is still time to act.
What is a 13-week cash flow forecast?
A rolling week-by-week projection of money in and money out for the next quarter — granular enough to catch the bad week, short enough to stay accurate. It is the standard tool for managing tight cash, funding decisions and lender conversations, and we update it as each week lands.
What does a useful budget look like?
One page you actually compare against. We build budgets from your real Xero history and your plans — not last year plus 5% — then review actual-versus-budget with you so the numbers change behaviour. A budget nobody looks at after July is decoration.
When do lenders or the QBCC want forecasts?
Banks want forecasts for new or increased facilities; the QBCC’s minimum financial requirements make forward cash visibility essential for construction licensees; and any business seeking investment or planning an acquisition needs projections that survive scrutiny. Ours come with an accountant’s working papers behind them.