Cash Flow Management
Cash flow is the lifeblood of your business — don’t let it dry up.
At Clear Blue Sky Accountancy, we help businesses across Plymouth and the South West understand, forecast, and improve their cash flow — so they can operate confidently, grow sustainably, and avoid costly surprises.
Updated 18/07/2025
Why Cash Flow Matters
Even profitable businesses can fail if they run out of cash. That’s why managing cash flow is more important than just “checking the bank balance.” Our service helps you:
Avoid cash shortages and payment delays
Plan ahead for tax, payroll and supplier payments
Improve payment collection from customers
Make strategic decisions with confidence
Present strong numbers to banks and investors
If you’ve ever struggled with “feast and famine” months or late-payer headaches, you’re not alone — and we’re here to help.
What’s Included in Our Cash Flow Service?
Depending on your needs, we offer:
Weekly, monthly or quarterly cash flow reports
Short and long-term cash forecasting
Realistic cash inflow/outflow tracking
Scenario planning: “What happens if…?”
Advice on improving debtor days and working capital
Integration with Xero, QuickBooks or spreadsheets
Liaison with banks, lenders or funding platforms
We don’t just hand over a spreadsheet — we interpret the numbers and support you in acting on them.
Who It’s For
Startups looking to plan for growth
Businesses with irregular income (freelancers, contractors, trades)
Retailers managing seasonal highs/lows
Companies expanding into new products or staff
Directors trying to manage dividend timing and tax exposure
Even healthy businesses benefit from clarity around their cash cycle.
Our Cash Flow Process
Discovery & Setup
We assess your business model, income streams and regular outgoings.Build Forecasts
We create a clear and realistic forecast, including tax obligations and seasonal adjustments.Ongoing Monitoring
We update and review forecasts monthly or quarterly, highlight risks, and help you adjust plans.
FAQs
What’s the difference between cash flow and profit?
Profit is your earnings on paper; cash flow is the actual movement of money in and out of your business. A profitable business can still run out of cash if payments are delayed or expenses spike.
Can I get a cash flow forecast for a funding application?
Yes — we regularly prepare lender-ready cash flow forecasts and financial packs for banks, grants and investment pitches.
How often should I update my forecast?
It depends on your business — but most clients benefit from monthly reviews, especially during growth phases or uncertain periods.
Do I need accounting software to use this service?
Not necessarily. While we can integrate with Xero, QuickBooks or FreeAgent, we also work with clients using spreadsheets or even manual records.
Take Control of Your Cash — Before It Controls You
📞 Call us today:
01752 546732 / 07398 720140 / 07591 261639
📧 Email:
office@clearblueskyaccountancy.co.uk
info@clearblueskyaccountancy.co.uk
👤 Speak to Merlin or contact Vivien to get started with a free initial review.