“Cash Flow Confidence: How to Take Charge and Grow Your Business”
- Beth
- Jun 14
- 2 min read
Intro: Why Cash Flow Deserves Your Attention
You’re great at running your business — but let’s be honest, cash flow can feel like the boring bit. It shouldn’t. Cash flow is what keeps your business alive between invoices, launches, or seasonal dips. It’s not just a financial term — it’s the rhythm of your business.
1. What Is Cash Flow, Actually?
Cash flow is the movement of money in and out of your business.
Inflow: Sales, investment, loans
Outflow: Rent, salaries, tax, suppliers
It’s not the same as profit. You might have a full sales pipeline, but if customers pay 60 days later and your bills are due now — you’ve got a problem.
2. Profit ≠ Cash Flow: Here’s Why
A business can be profitable on paper and still face cash shortages. Example:
You close a £10k deal — great!
But payment is delayed for 45 days
Meanwhile, wages, VAT, and suppliers are due this week
You’re in a tight spot
This is why monitoring actual cash in real time is more useful than relying only on profit/loss statements.
3. 5 Signs Your Cash Flow Needs Urgent Attention
You’re constantly checking your bank balance
You're delaying supplier payments
You’re unsure if you can afford your next VAT or tax bill
You're always “waiting on a few payments”
You're nervous to reinvest or hire
These are all signs you’re managing chaos, not cash flow.
4. How to Master Your Cash Flow Like a Pro
1. Use a Rolling Forecast
Track cash 12 weeks ahead. Plot in:
Expected income
Regular expenses
Irregular one-offs (tax, equipment, etc.)Helps you anticipate dry spells and plan proactively.
2. Invoice Smart, Not Late
Invoice immediately when work is done
Use invoice software to track opens and due dates
Automate reminders
Consider shortening payment terms (14 days vs 30)
3. Know Your Breakeven Point
This is the minimum income you need to cover outgoings. It’s your baseline — know it, and use it to price services properly.
4. Build a Buffer
3–6 months’ operating costs = peace of mind. It cushions you from late payments, quiet months, or one-off expenses.
5. Use the Right Tools
Xero / QuickBooks / FreeAgent
Cash flow forecasting tools like Float or Pulse
Bank feeds to track real-time cash position. We can help you choose the right stack.
5. Where Nara Accountancy Comes In
We’re not just number crunchers — we’re here to support your growth. At Nara, we help companies thrive:
Set up real-time cash flow tracking
Build practical forecasts (no fluff, no jargon)
Automate and streamline invoicing
Spot red flags before they become problems
Plan for tax, investment, hiring and scaling
We believe accountants should give you clarity and confidence, not confusion.
6. Ready to Supercharge Your Cash Flow?
When you understand your cash flow, you:
Make decisions faster
Sleep better
Grow with confidence
Let’s get your business in a cash-strong position.
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