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Free tools. Owt for nowt.Free tools to help you understand your cash.Free cashflow forecast templates and a cash health check

Aye, really free. Grab a template, give thi cash a quick health check, or have a nosy through t'questions folk ask me.Request a free Excel template, stress-test your cash with my quick health check, or read the questions people often ask.

Free Excel templatesFree Excel templates

Happy wi’ Excel? Have a template on me.Already comfortable with Excel? Start with a template.

If tha's always done thi forecasts in Excel and tha's happy doing it thysen, crack on. I'll share my templates for nowt. They give thee a solid structure, and if thi business outgrows a spreadsheet, a bespoke forecast's here when tha needs it.If you've always worked with Excel forecasts and are happy managing your own, I'm glad to share my templates free of charge. If your business outgrows a spreadsheet, a bespoke forecast is here when you need it.

Free13-Week Cashflow ForecastWeekly receipts, payments and a clear low-point view.
Free12-Month Rolling ForecastMonthly planning with scenario inputs.
FreeActual vs Forecast TrackerCompare results with expectations and spot movements.

Request a templateRequest a template

Tha'll pick which one on t'contact form.You'll choose which template you'd like on the contact form.

Cash health checkCash health check

How’s thi cash bearing up?How resilient is your cash?

Pop in three numbers, then give 'em a shove. Nowt tha types leaves thi browser.Enter three simple numbers and stress-test them. Nothing you type leaves your browser.

Now apply some pressure
Tight under pressure

of costs covered by cash today
balance in 12 months, current figures
lowest point under pressure
Solid line: current figures. Dashed line: with the pressure applied. Dotted green line: one month of costs.

A rough illustration based on averages. A bespoke forecast uses thi real customer payment patterns, seasonality and commitments.A simple illustration based on averages. A bespoke forecast uses your real customer payment patterns, seasonality and commitments.

Fancy a proper look at thi numbers?Want a personal view of your numbers?

Ask for a free cash health review. I'll send back a short written view of where tha stands, t'pressure points and whether a forecast'd help. No obligation, no hard sell.Request a free cash health review. I'll send back a short written view of your cash position, the pressure points and whether a forecast would help. No obligation and no sales pitch.

Get thi free reviewRequest a free review
QuestionsQuestions

Questions folk ask me. Answered straight.Frequently asked questions.

What happens in the free cash health review?

You share a few headline numbers about your business, such as cash today, typical monthly receipts and costs, and anything worrying you. I send back a short written view of your cash position, the pressure points to watch and whether a bespoke forecast would genuinely help. There's no obligation and no sales pitch. Request yours.

How does an engagement start?

After the free review, if it's a good fit, we agree the level of support, the information I'll need and the fee. I then build your first bespoke forecast and walk you through it, before settling into the meeting rhythm for your level.

Is every forecast really bespoke?

Yes. Each forecast is built individually around your business: your cash cycle, how your customers and suppliers actually pay, your seasonality and your commitments. I don't drop your numbers into off-the-shelf forecasting software.

What do I need to provide?

To produce the most useful forecast, I normally ask for bank reconciliations, debtors, creditors, invoices, payroll and tax/VAT information to be reasonably up to date. If things aren't quite there yet, that's okay. I'll work with what is available, explain any limitations and can help with additional financial data preparation separately.

Which level of service is right for me?

Visibility gives you a clear, reliable forward view of your cash. Control, my core service, adds deeper analysis and scenario modelling. Partner is for businesses that want ongoing financial planning and decision support. If you're not sure, get in touch and I'll talk it through.

How often is the forecast updated?

It depends on the level you choose. Visibility includes a monthly forecast report. Control adds a monthly review meeting to talk it through. Partner includes fortnightly meetings, with the forecast updated around the decisions you're facing.

How much does it cost?

Every forecast is bespoke, so I don't publish a price list. The fee depends on the level of support, the meeting rhythm, how complex your business is, how up to date your records are and how far ahead you want to plan. I agree the scope and fee with you before any paid work begins, and the first step, a cash health review, is free. See how pricing works.

Do you work with businesses in my sector?

Most likely. I work with business owners in any sector who are worried about cash timing: payroll and VAT dates, late-paying customers, lumpy payments or growth that ties up cash. If that sounds like you, a free cash health review is the easiest way to find out whether I can help.

Are the Excel templates really free?

Yes. Choose the template you'd like in the contact form and I'll send it over.

Free guidesFree guides

Guides, written straight.Free guides to managing cash.

Forecasting · 4 min readHow to create a cash flow forecast, step by stepSeven steps from a blank spreadsheet to a forecast you can rely on, plus the common mistakes to avoid.
Cash basics · 3 min read12 practical ways to improve your cash flowGetting paid sooner, paying out more carefully, the right schemes, and seeing shortfalls coming.
Cash basics · 3 min readProfitable but short of cash? Here’s whySix everyday reasons profit and cash drift apart, and the simple habits that stop it catching you out.
Forecasting · 3 min readThe 13-week cashflow forecast, explainedWhat goes into a 13-week forecast, the three numbers worth checking first, and why it works best when it rolls.
Getting paid · 3 min readLate payments: how to get paid fasterA simple chasing routine, how to prevent late payment, and your rights to interest and compensation.
Cash basics · 3 min readWorking capital explained, and how to free it upWhat working capital is, how to calculate it, and practical ways to release cash tied up in your business.
Tax & payroll · 3 min readVAT, PAYE and Corporation Tax: planning for the big paymentsThe key HMRC payment dates for a typical small business, why they cause cash squeezes, and five ways to stay ahead.
Funding · 3 min readCash flow forecasts for bank loans and fundingWhat lenders look for, the assumptions to explain, and the mistakes that weaken an application.

See all t’guidesSee all guides →

Put t’kettle on. Let’s have a natter.Let’s talk about your cash.

Start wi' a free cash health review. Tell me a bit about thi business and I'll send back a straight-talking view of where tha stands. No obligation, no hard sell.Start with a free cash health review. Tell me a little about your business and I'll send back an honest view of where your cash stands. No obligation and no sales pitch.

Gi' us a ringCall (07956 940341)