Business advice

Business decisions are easier to make when you understand the financial implications.

Whether you are planning growth, considering an investment or addressing pressure on cash flow, we help you work through the figures and assess your options.

Our advice starts with an understanding of your business, the people behind it and what you want to achieve.

How we can help

• Cash-flow forecasts and budgets.
• Business plans and financial projections.
• Reviewing profitability and financial performance.
• Assessing growth plans and investment decisions.
• Preparing financial information for funding applications.
• Considering business structure and tax implications.

A practical approach

We begin with the decision you need to make. We review the available information, identify the assumptions and prepare the analysis needed to support your thinking.

Where the outcome depends on future sales, costs or timing, we show how changes could affect the position. We explain the findings clearly, including any limitations in the information.

Support as the business develops

You may need advice on a specific matter or regular discussions alongside your management accounts. We agree the scope of our involvement and revisit the figures as your plans progress.

Having an accountant who knows your business provides continuity when circumstances change or new questions arise.

Can you help with funding applications?

We'll prepare everything a lender or investor needs to see, and help you explain the figures behind your plans with confidence — the funding decision itself is always theirs to make.

Where should we start?

Tell us what you are considering and what you need to understand. We can then establish the information and work required.

Questions we help owners work through

• Can we afford to hire, and what does it do to cash flow over the next 12 months?
• Is this contract, product or customer actually profitable once all costs are included?
• How much funding do we need, and how will it be repaid?
• Would a different structure or way of drawing income leave us better off?
• What happens to the business if sales fall short of the plan?

What you can expect to receive

Depending on the question, you may receive a forecast, a short written summary of the options, or a set of figures to discuss in a meeting. Whatever the format, we state our assumptions so you can see what the answer depends on and change them as events unfold.

How often should forecasts be reviewed?

That depends on the pace of the business. A growing or seasonal business benefits from a quarterly review of the forecast against actual results. A steadier business may only need one at the year-end. We agree the rhythm with you and revisit it if circumstances change.

Useful guides

Key accounting practices for managing business debt effectively →

Late-payment rules and cashflow protection for SMEs →

Building a cash-flow forecast lenders and investors will trust →

Browse all guides →