Are Cash Flow forecasting issues keeping you up at night?

The benefits are HUGE… and it’s not just the lower cost.

Cash Flow Forecasting can be a bit of a mystery to some people. We like to think of it as plotting out in ‘black and white’ what will happen to your cash flow in the future (given a certain set of circumstances). A Cash Flow Projection sets out the ‘peaks and troughs’ in the future of your cash position

Remote areas are no problem for our Virtual CFOs Australia Wide. Whether your business is in Mackay, Melbourne, Brisbane, Sydney, Perth, Newcastle or any regional area, we can provide an outsourced CFO service to meet your needs.

A CFO On-Call can work with you online when it makes sense and in person when you need it.

The keys to running a successful Cash Flow projection are:

  • Start with the correct opening bank balance (not necessarily what it says on the bank statement). It should be the ‘reconciled’ balance.
  • Enter any cash coming into the business each period (including outstanding customer payments from previous periods)
  • Calculate the closing balance at the end of each period.
  • Update the forecast regularly and monitor actual versus expected balances to determine action required.
  • Decide on the periods of your forecast i.e. daily, weekly, monthly etc.

Do you need greater certainty in the financial outcome? SMEs who could only dream of hiring a CFO are now able to take advantage of a CFO On Call.

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Virtual CFO talking to a client

confidence to grow

Simple, accurate and timely reports to guide you to the right decisions.

increased profit

If your overall profit is made up of too many losers and not enough profitable lines you could be missing out.

cash flow results

‘Non financial’ information is what drives profit and Cash Flow results.

Boost Efficiencies

Analyse how things work and find ways to save time and money.

CFO On Call can help businesses with cash flow forecasting

Increase Profits
Most importantly, regular clients make a 51% improvement in profit.
Secure Bank Loans
Banks are more cautious than ever about lending money to businesses large and small. We’re experienced dealing with lenders and how they look at potential borrowers.
Business Cash Flow Management
Whether you're looking to grow your business, have growing pains, issues with cash flow management can severely limit your business growth capacity.
Financial Modelling
Get a summary of your company's expenses and earnings to calculate the impact of future decisions and planning.
Key Financial Reporting
Track, analyse and report your business income to examine resource usage, cash flow and more.
Business Exit Planning
Most business owners want to sell or exit their business one day. The question is what will it be worth and how can you maximise the value?
Strategic Financial Advice
Have an expert help with pricing, costing, margins, targets, interpreting management accounts
Growth Planning
A Virtual CFO can help you with growth and profit planning and can prepare projections for your bank or lender.
Systems & Processes
If you want to be freed up from your business, you need systems in place. Getting yourself, as business owner, ‘off the tools’ is vital to growing your business.
Increase your profits with our FREE Cash Flow Template.
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We have created an average of 51% profit increase.

A Part Time CFO is a corporate gun; an elite financial freelancer available 24/7 to meet any business’s needs as they arise. These CFOs engage with clients in the most effective way, accessing accounts and spreadsheets via cloud-based programs and dispensing their advice over video streaming services like Skype or WhatsApp, as well as in person. In this way, duplication is cut, along with transport costs and time spent travelling to and from face-to-face meetings.

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Virtuals CFOs Experienced With A Range of Industries Australia Wide

With our exclusive ‘Seven Key Numbers Analysis’ tool, we can quickly help identify improvements to significantly boost your profit and cashflow. We have created an average of 51% profit increase for our regular clients.

Printing & Manufacturing

Focus on improving systems, pricing, profit margins and equipment utilisation.


Focus on improving systems, labour utilisation, job profitability, profit margins markup, work in progress and quotes

Mechanical Engineering

Focus on equipment and labour utilisation, job management, profit margins, processes and systems

Freight Transport & Logistics

Focus on systems, processes, equipment utilisation, job management, profit margins

Building & Construction

Focus on labour utilisation, profit margins, job management, processes and systems

Wholesale and Distribution

Focus on equipment and labour utilisation, stock management, profit margins, return on inventory investment, systems


“He has taken the pressure off me. Net profit is growing and I’m confident our strategy can be implemented and turned into reality. I’m now living the dream - running the business remotely.”
Mike Brewill
CEO Velocity Electrical
“We’ve already made improvements of six figures! Our CFO On-Call’s experience has made a huge difference to our bottom line. He’s streamlined our processes and efficiency to better use our systems and people.”
Rodney Frost
Group GM lamson Paragon Group.
“We have the useful information we need to make the financial and business decisions at the right time. Our CFO’s input has led to a 27% improvement in profitability.”
Greg Jaques
GM Nolans Transport
“I was flying by the seat of my pants and not always enjoying the ride. One day great - the next day chaos. I was always putting out fires. I don’t want to go forward without my CFO On-Call. His blood is worth bottling!”
Richard Ching
“I’ve now got the confidence to grow the business. I’ve got lots of ideas about business direction and his input is great. Our CFO On-Call is a valuable asset who helps with the planning and ensures cost effectiveness.”
Francis Vigliante
“My CFO has provided me with a fantastic insight into the KPIs that really drive my business. We now have a better understanding of smarter pricing and the type of work that provides better margins.”
Kerry Matthews
CEO Powerex

let’s get started

Virtual CFO’s Australia Wide. Tell us about your financial challenges. We can talk by phone, online or in person.

Call 1300 36 24 36

Cash Flow Forecasting Solutions FAQ’s

What is meant by Cash Flow forecast?
Cash moves into and out of the business at various times. A Cash Flow Forecast is a report that lays out when cash will come into and out of the business. Effectively you are forecasting what will be your bank balance at any given time in the future. It helps you to see the ‘peaks and troughs’ in your cash position, so you can fix the troughs before they occur.
What is the difference between Cash Flow and Cash Flow forecast?
Cash Flow is the term used to describe the activity of cash moving in and out of the business. For example cash coming in from sales, loans, interest etc. and cash going out e.g. expenses, taxes, dividends etc. Cash Flow Forecast is a report that shows the movement of cash into and out of the business, as well as the opening and closing bank balance each day, week, month etc. The Cash Flow Forecast is probably the most important financial management tool in any business. It sets out clearly where the Cash Flow issues will be in the future, which provides an opportunity to deal with it well in advance.
My cash flow is a bit tight… how can I pay the fees of a CFO?
We often find money sitting in the wrong place i.e. not in business bank accounts. There are quite a few places it can be. We’re happy to discuss them with you and help you to move the funds more quickly into your business bank account, so that you can more easily pay all your expenses and grow your business more efficiently.
What is the benefit of a Cash Flow Forecast?
Sometimes in business the movement of cash can get quite confusing… The bank balance looks OK but you’re never really sure how much of it is yours. There’s taxes to pay, outstanding supplier invoices and monthly charges. A Cash Flow Forecast plots it all out in black and white for you to see exactly what will be your cash position at the end of each month, week or day (if cash is really tight). It eliminates the guesswork so you can feel confident about your cash position. Once you’ve plotted it all out, it puts you in a position to then plan a strategy to keep it under control i.e. when to speed up money coming in and when to slow down money going out.
How do I do a Cash Flow forecast?
Usually it’s done on a monthly basis i.e. you note the opening bank balance at the start of the month, plus cash coming in, less cash going out and the resulting bank balance at the end of the month. You can do it for as many months as you like and you will be able to see what should be your bank balance well into the future. Many people do the forecast on a spreadsheet or there are many apps you can use. Once you’ve put it together, it doesn’t end there! You can work with the numbers to fix any issues, such as a negative balance, if you don’t have an overdraft in place. You can speed up payments from customers, slow down payments to suppliers, inject some of your own funds or borrow externally etc.
What information is required to prepare a Cash Flow forecast?
You need to know: The correct opening bank balance. This isn’t just the balance that’s on your bank statement, but the reconciled balance, which takes into account any unpresented transactions, such as transfers in and out that haven’t hit your bank account yet. Funds coming in How much is owed to you by customers that you give terms to pay. You will need to factor in a timeframe for these to be paid. Future expected Sales and what is the expected time customers will take to pay. Loan funds and interest Tax refunds/grants/subsidies Shareholder/Investor funds Sale of assets Funds going out How much you owe suppliers that give you terms to pay. You will need to factor in a timeframe for paying these. Future expected Expenses e.g. rent, wages, advertising etc. Cost e.g. goods to sell, labour and materials on jobs Taxes due Loan repayments and interest payments Dividends Capital expenditure e.g. equipment

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