Cashflow Budgeting — Your Financial Early Warning System.
A profitable business can still fail if it runs out of cash. Our cashflow budgeting gives you a forward-looking view of liquidity so you stop relying on “bank-balance accounting.” Plan 12 months ahead, anticipate tax cycles, and scale with confidence across Australia and New Zealand
12-month forecast • Tax-ready planning • Scenario modelling • Bank-ready 3-way forecasts
Cashflow Forecasting
What We Track in Your Cashflow Budget
Cashflow becomes predictable when you track the right drivers not just invoices and balances.
Operating Inflows (Real Collection Timing)
Forecasts based on when customers actually pay using historical debtor patterns and collection trends.
Statutory Outflows (Tax & Payroll Obligations)
We map due dates and expected outflows: BAS (AU), GST (NZ), PAYG/PAYE, and Superannuation/KiwiSaver so nothing surprises you.
Overhead Monitoring
Rent, insurance, subscriptions, utilities, and fixed overheads tracked to protect your monthly runway.
Capital Expenditure (CapEx) Planning
Plan equipment, vehicles, and tech purchases without draining working capital.
Finance & Loan Repayments
Debt servicing is integrated into your forecast so repayments never collide with tax months unexpectedly.
Scenario & Sensitivity Modelling
“What if” modelling for hiring, pricing changes, sales dips, and expansion so you can choose a safer path before committing cash.
Benefits
Why AU & NZ Businesses Need Cashflow Budgeting
A good forecast doesn’t just predict it prevents. It’s the difference between reacting late and acting early.
Navigate “lumpy” tax calendars
Quarterly BAS/GST and payroll-related payments can land close together. We help spread tax reserves gradually so heavy months don’t hurt.
Scale responsibly
Before you hire or expand, we model the real cash impact across the next 3–6 months so growth doesn’t strain liquidity.
Bank-ready forecasting for lending
If you’re applying for finance, lenders often expect a professional cashflow forecast. We produce clean, credible outputs that support lending conversations.
Better decision timing
Know when you can spend, when to hold, and when to invest with visibility that’s weeks and months ahead.
Reduced stress and fewer surprises
Forecasted obligations reduce last-minute scrambling, rushed payments, and avoidable pressure on working capital.
A living plan (not a spreadsheet that dies)
Because your books are reconciled and updated, the forecast stays current and useful.
Navigating the “Lumps” in AU & NZ
Australia and New Zealand both have periods where tax and statutory payments stack up. We build a forecast that highlights peak outflow months early and create a simple “set-aside” plan to smooth cashflow through them.
Forecasting
Our 3-Way Forecasting Model
We don’t forecast cash in isolation. We link three views so decisions stay grounded:
Projected Profit & Loss
expected earnings and margin movement
Projected Cashflow
expected bank balance and liquidity runway
Projected Balance Sheet
how assets, liabilities, and net position shift over time
Real-Time Data, Real-Time Decisions
Because we manage day-to-day bookkeeping and reconciliations, your cashflow forecast can be updated with actuals regularly. It becomes a living tool not a one-time document.
Case Study Snippet
The Seasonal Surge (NZ Tourism)
A New Zealand tourism operator had strong summer revenue but faced a predictable winter slowdown. Using our 12-month cashflow budget, we flagged a projected $20,000 shortfall in July well ahead of time.
With that visibility, they secured a short-term overdraft facility, re-timed a few planned expenses, and adjusted marketing spend to protect working capital staying stable through winter and entering the summer peak with confidence.
Outcome: No last-minute cash crunch, no disrupted operations, just planned, controlled cashflow.