Cash Flow Planning Consultation
A structured review of inflows, fixed obligations, and reserve targets tailored to your trading calendar.
Who this is for
Owners and finance leads at established SMEs — typically five to eighty staff — who need a dependable view of cash across payroll, suppliers, tax, and planned spending. Common industries include trade services, hospitality, wholesale distribution, and professional practices with uneven revenue.
What you receive
- Opening diagnostic — review of bank statements, aged receivables, supplier terms, and known commitments for the next ninety days.
- Weekly cash map — spreadsheet aligned to your actual payment and receipt patterns, not a generic month-end forecast.
- Obligation calendar — BAS, PAYG, super, lease, and finance repayments plotted against expected inflows.
- Reserve guidance — recommended minimum operating balance and a simple rule for when to pause discretionary spend.
- Closing walkthrough — sixty-minute session with your leadership team to agree actions and review assumptions.
What is not included
We do not lodge tax returns, provide legal advice, or act as your accountant. We work alongside your existing bookkeeper or CPA and focus on cash timing and stability decisions.
Process and timeline
- Scoping call (30 minutes) — confirm scope, data requirements, and fee.
- Session one (90 minutes) — diagnostic and draft cash map.
- Session two (60 minutes) — refine assumptions with your input on seasonality and one-off costs.
- Session three (60 minutes) — final map, obligation calendar, and agreed actions.
Most engagements complete within four weeks once statements and debtor listings are supplied.
Provider
Led by a senior adviser from Acacia Core Consulting with prior experience in SME finance leadership and advisory roles across Queensland.
Preparation
Bring three months of bank statements, current debtor and creditor summaries, payroll schedule, and any known capital or hiring plans for the next quarter.
Next step
Request a scoping call via our contact page or email info@service-acaciacore.click. We respond within two business days with a confirmed fee and start date.