Our Cash Flow Methodology
We've spent years working with Australian businesses—from retail shops in Sydney to tradies operating across regional NSW. And here's what we found: most cash flow problems aren't about making more money. They're about timing, visibility, and having a clear plan when things get tight.
Common Cash Flow Challenges
Real obstacles we see every day—and what actually works to fix them
Late Client Payments
You've done the work. Invoice sent weeks ago. But the payment? Still waiting. Meanwhile, your own bills are due next week.
What We DoWe build payment schedules that match your supplier commitments. Plus simple follow-up systems that don't feel awkward but actually get results. Most clients see payment times drop by 40% within three months.
Seasonal Revenue Swings
Three months of solid income. Then two quiet months where you're scrambling. It happens in landscaping, retail, hospitality—pretty much everywhere in Australia.
What We DoWe map your typical year and create buffer zones during peak periods. That way, lean months don't trigger panic. You'll know exactly how much to set aside and when you can actually spend.
Hidden Expenses
Annual insurance premiums. Equipment maintenance. BAS quarters. They're predictable, but somehow they still catch people off guard.
What We DoWe help you create a forward calendar that shows every expected cost for the next 12 months. You'll never be surprised by a $3,000 bill again. Everything becomes visible and manageable.
Growth Without Runway
Taking on a big project sounds great until you realize you need to pay staff and suppliers before the client pays you. Growth can actually create cash flow crises.
What We DoBefore you commit, we run the numbers on timing and requirements. We'll show you if you have enough runway—or help structure milestone payments that fund the work as you go.
The Four-Step Framework
This isn't complicated. But it does require honesty about where you are right now—and commitment to tracking things properly. Here's how we structure every engagement.
Map Your Current Reality
We start by understanding your actual cash position. Not what's in the bank today—but what's coming in over the next 90 days versus what's going out. Most business owners are surprised by what this reveals.
Identify Pressure Points
Where are the gaps? Which weeks look tight? What payments could cause problems if a client pays late? We mark these clearly so you can plan around them.
Build Your Buffer System
This is where strategy meets reality. We create reserves that fit your business rhythm. Some clients need weekly buffers. Others work monthly. It depends on your industry and payment cycles.
Implement Tracking Routines
The best plan fails without follow-through. We set up simple weekly check-ins that take 15 minutes. You'll always know your position and can adjust before small issues become big problems.
Meet Our Cash Flow Specialists
Freya Lindbeck
Senior Cash Flow Analyst"I've worked with over 200 businesses in Western Sydney. The pattern is always the same—people avoid looking at their numbers until it's urgent. My job is making the numbers approachable. Once clients see the full picture, decisions become so much easier."
Sienna Vartiainen
Business Systems Consultant"The businesses that succeed aren't necessarily the ones making the most revenue. They're the ones who understand their cash timing. I help build systems that give you that clarity—without needing a finance degree to understand them."
Want to see how this methodology applies to your specific situation? We offer initial consultations where we map your current cash position—no obligations, just clarity.
Schedule a Consultation