Cash Never Lies. Know what yours will do before you decide.
A part-time CFO for growing businesses. The hire, the price change, the raise: see the cash, margin and growth effect first. Your numbers, reviewed with you every month.
Illustration with sample numbers. Yours is built from your own bank, invoices and payroll.
Growth makes the numbers harder to see. Guessing gets expensive.
Revenue goes up, but so do the team, the overheads and the number of big calls. Without clear numbers, each one becomes a guess, and the cost shows up later in cash, margin or missed growth.
Profit is an opinion. Cash is a fact.
A business can look healthy on the P&L and still run out of cash a few months later.
Growth does this. It eats cash before it pays it back: longer payment terms, stock bought ahead of sales, a hire three months before their work pays off. The P&L won’t warn you, because it reports the month after it’s over.
I forecast the dip
Built on what actually drives your business, not last year plus ten percent. You see the tight month while there’s still time to act.
Then we decide what to do
Move the hire, change the terms, hold the price. Run it as a scenario first and see what it does to cash before you commit.
Illustration with sample numbers.
Hello, World!
Profit is an opinion. Cash is a fact.
A business can look healthy on the P&L and still run out of cash a few months later.
Growth does this. It eats cash before it pays it back: longer payment terms, stock bought ahead of sales, a hire three months before their work pays off. The P&L won’t warn you, because it reports the month after it’s over.
I forecast the dip
Built on what actually drives your business, not last year plus ten percent. You see the tight month while there’s still time to act.
Then we decide what to do
Move the hire, change the terms, hold the price. Run it as a scenario first and see what it does to cash before you commit.
Illustration with sample numbers.
Questions I answer. Before you make the call.
The questions founders ask before a big decision. Each one gets a number, not a gut feel, built from your own accounts.
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Hiring
What revenue do we need before the next two hires pay for themselves?
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Pricing
What happens to cash if we raise prices 10% and lose 5% of customers?
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Acquisition
How long until a new customer pays back what we spent to win them? And can we fund the gap?
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Billing terms
What does moving customers from monthly to annual billing do to our runway?
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Runway
At current burn and growth, when do we get tight? And how early could we have seen it?
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Margin
Which products and customers actually make us money? And which just keep us busy?
See the cash effect before you commit
Move the sliders, then pick a decision. See how a hire, a price change or a slow quarter moves your runway over the next twelve months.
Test a decision
An illustration only, not advice. A real engagement builds these scenarios from your accounting data, payment terms and customer behaviour.
Want these answers from your own numbers, updated every month?
Book a callHow it works. The Cash Never Lies method.
About an hour of your time a month. Clean the numbers, connect them, forecast what drives them, then decide with them.
The call
You tell me where the business is going and what’s in the way. I’ll give you an honest read on your best next steps, whether that involves me or not.
The build
I check your books can be trusted and fix how they’re set up, working with your bookkeeper on anything that needs catching up.
I tie the P&L, balance sheet and cash together, so profit and cash tell one story and you can see why they differ.
I build the forecast on what drives your business: customers, pricing, payment terms, headcount. Better, worse and expected scenarios, with every assumption walked through.
The month
Each month I tell you what changed, what it means and what I’d do about it. When a decision comes up, like a hire, a price change or an acquisition, we run it as a scenario before you commit, not after.
What you get. Every month, in plain English.
A typical engagement includes the six pieces below. The exact scope is agreed with you up front, so you only pay for what your business needs.
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01
Driver-based forecast
Built on what actually moves your business: customers, pricing, payment terms, headcount. Not last year plus ten percent.
Updated monthly -
02
Scenarios
Better, worse and expected. See what a hire, a price change or a slow quarter does to cash before you commit to it.
Whenever you need one -
03
KPI dashboard
The eight to ten numbers that matter, with targets. Not forty numbers nobody reads.
Monthly -
04
Monthly report
Written in plain English: what changed, why it changed, and what I’d do about it.
Monthly -
05
Monthly call
An hour with someone who has prepared board packs and investor results for an ASX-listed company.
Monthly -
06
Between calls
Questions don’t wait for the monthly call. Email me and you’ll get an answer, not a meeting invitation.
As needed
Cash never lies. Let’s see what yours says.
A confidential 30-minute call. Tell me where the business is heading and what’s in the way, and you’ll leave with a clear read on your next steps.
- Confidential
- 30 minutes, no cost
- An honest read, either way
ARTICLES FOR FINANCIAL EXCELLENCE
Notes from our journal
