Know your cash position thirteen weeks out, every week.
Profitable businesses fail for one reason: they run out of cash. A rolling 13-week forecast shows the low point before it arrives, and an annual budget shows whether the plan makes money at all.
The whole job, not the visible half.
Everything below is in scope on the plan that includes cash flow forecasting & budgeting. Nothing on this list is an add-on.
- Rolling 13-week cash forecast, updated weekly from the bank and both ledgers
- Annual budget by month, by entity, with the assumptions written down
- Scenario modelling: a lost customer, a delayed payment, a new hire, a price change
- Tax and payroll cash calls scheduled so they never surprise
- Working-capital analysis: stock, debtor and creditor days and what moves them
- Covenant and headroom tracking where you have debt
Three situations we see every week.
Seasonal and inventory-heavy businesses
Cash goes out to suppliers months before it comes in from customers. The forecast shows the gap and how to fund it.
Businesses with a big tax bill coming
Corporation tax at nine months, VAT quarterly, payroll monthly. Each one is predictable and each one gets missed without a forecast.
Founders who look at the bank balance daily
The balance is what you have. The forecast is what you will have. Only one of them helps you decide.
Four steps, then a rhythm.
Build
The forecast is built from actual bank data, open invoices and bills, payroll and the tax calendar, then extended with your pipeline.
Weekly update
Actuals replace the forecast for the week just gone, and the horizon rolls forward.
Scenarios
Any decision with a cash impact is run through the model before it is made.
Budget cycle
Each year the budget is built before the year starts and the forecast is reconciled to it monthly.
The rules differ. So does the work.
The same service, applied to each jurisdiction's law. Figures checked September 2026.
VAT quarterly, PAYE monthly, corporation tax at nine months and one day, and the two Self Assessment payments for directors are all built into the calendar.
Everything about the UK ↗VAT by the 28th of the following month, corporate tax within nine months of year end, WPS by MOHRE's deadline and licence renewal fees are the fixed dates.
Everything about the UAE ↗Quarterly estimated taxes, monthly or semi-weekly payroll deposits, state sales tax on each state's cadence and franchise taxes on formation anniversaries are scheduled in.
Everything about the USA ↗One senior accountant. One flat fee. Three countries.
Group figures are Shaazford Global LLC's published numbers across all its service lines.
Why 13 weeks?
A quarter is far enough to act on and near enough to be accurate. Beyond that, the monthly budget takes over.
Do I need to give you my sales pipeline?
It helps. Without it the forecast uses run-rate and open invoices, which is still far better than nothing.
Can this help me get a loan?
Lenders ask for exactly this: a cash forecast, a budget and evidence you track against them. Having it ready shortens the process considerably.
Is this included in any plan?
A quarterly forecast is included in Growth. The weekly 13-week forecast is included in Scale and available as an add-on.
Talk to us about cash flow forecasting & budgeting.
Thirty minutes, no pitch deck. Tell us the entities and the countries, and we will tell you honestly what applies and what it costs.