Cash Flow Forecasting
At Huddart Accountants, we help you take control of your business’s most vital resource – cash. Our cash flow forecasting services help businesses of all sizes understand their cash position, plan ahead and make confident choices about growth, investment and long-term stability.
Whether you’re a small business with seasonal peaks or an established company managing working capital across several business bank accounts, our team provides tailored cash flow forecasts to give you a clear picture of your future cash.
We combine strategic expertise with cloud-based tools like Xero to create accurate, real-time forecasts. From short-term working capital planning to long-term financial forecasts, our cash flow forecasting specialists help you stay prepared for whatever comes next.
What is cash flow forecasting?
Cash flow forecasting is the process of estimating the inflows and outflows of money in your business over a given period of time. It helps predict your net cash position, enabling you to plan for future obligations, identify funding needs, and avoid liquidity issues.
An accurate business cash flow forecast empowers you to:
Maintain a healthy bank account balance
Understand the timing of cash peaks and shortfalls
Make important decisions about hiring, investment or equipment purchases
Prepare for tax liabilities and loan repayments
Avoid negative cash flow events
Whether your goal is to improve operational resilience or to demonstrate financial viability to lenders or investors, we’ll help you create a cash flow forecast that’s accurate, flexible and actionable.
Why cash flow forecasting matters
Many profitable businesses fail not because of lack of demand but because they run out of cash. Forecasting enables better decision-making by showing how much cash you’ll have on hand and when.
At Huddart, our financial forecasting services help you:
Optimise your working capital
Anticipate gaps between receivables and payables
Model the impact of growth on your cash position
Understand the effect of interest rates, supply chain delays or late payments
Identify and resolve issues before they become crises
We’ve helped businesses across Worsley, Manchester and the North West protect their cash flow and build confidence in their operations.
Our approach to cash flow forecasting
We provide a tailored and consultative approach to every client. Here’s how we work:
1. Initial discovery
We’ll review your existing accounts, identify trends in your cash inflows and cash outflows, and understand the key variables affecting your business.
2. Forecast creation
Using real-time data from Xero and other accounting systems, we’ll create a cash flow forecast that reflects your business model, customer behaviour, payment cycles and cost structure.
3. Forecasting periods
We develop rolling forecasts for different forecasting periods, including:
- Short-term (1–13 weeks)
- Medium-term (3–12 months)
- Long-term (1–3 years)
Each forecast is adaptable and custom-built, giving you flexibility as market conditions change.
4. Scenario planning
We model best-case, expected and worst-case scenarios, showing how changes in revenue, pricing or overheads affect your net cash position. This enables proactive rather than reactive decision-making.
Who needs cash flow forecasting?
Cash flow forecasting is essential for:
- Startups seeking funding or grants.
- Growing businesses expanding into new markets.
- Companies applying for bank loans or refinancing.
- Business owners preparing for sale or exit.
- Firms with seasonal revenues or complex cash cycles.
Whether you need a business plan cash flow forecast to support funding applications or ongoing reporting to aid strategic planning, we offer a service designed around your needs.
Real-time forecasting with Xero
As forward-thinking advisors, we use Xero and compatible apps to build live forecasts that evolve with your business. This means no more relying on outdated spreadsheets or historical data. Instead, you get a dynamic view of your cash position based on the latest figures from your business bank accounts.
Xero integration also allows for better:
- Cash visibility across accounts and entities.
- Real-time insights into spending trends.
- Tracking of actual vs. forecast performance.
- Preparation for funding rounds or investor meetings.
For more information on how real-time data helps businesses, visit our management accounts page.
Forecasting for funding and strategic decisions
If you’re seeking funding or preparing for growth, a credible cash flow forecast is critical. Our forecasts are suitable for:
- Bank loan applications.
- Investment rounds.
- Grant funding proposals.
- Internal board presentations.
We also work closely with our corporate finance team to ensure your forecasts align with broader financial goals and funding structures.
Need support integrating your forecast into a business plan? Our business planning services can help with full plan development, including mission statements, financial modelling and growth strategy.
Forecasting for resilience and risk planning
Economic uncertainty, supply chain disruption, and rising costs have made liquidity planning more critical than ever. Forecasting helps you prepare for:
- Revenue volatility.
- Rising interest rates.
- Payroll pressures.
- Tax obligations.
- Unexpected cash outflows.
If you’re concerned about risk management, we also offer business continuity planning as part of our wider advisory services.
Why choose Huddart?
Based in Worsley, Manchester, Huddart Accountants is trusted by businesses across the North West to deliver accurate, timely and actionable advice. Our team combines the expertise of chartered accountants with the commercial acumen of dedicated business advisors.
We offer:
- Tailored support from cash flow forecasting specialists.
- Xero-based forecasting with real-time updates.
- Deep integration with your overall business strategy.
- Partner-led service focused on long-term relationships.
- Support for businesses at every stage: launch, growth or exit.
Whether you’re navigating a challenging quarter or planning for the next three years, we’re here to help you stay financially agile.
Let’s forecast your future
Need help understanding your cash flow? Want to know where you stand and what lies ahead? Let’s talk.
Contact Huddart Accountants today to book a free consultation and build a custom business cash flow forecast with a team that understands your goals.
