Cash flow guides
Practical, plain-English guides for owners of UK small businesses. No jargon and no sign-up.
Cash flow forecasting: a practical guide
The complete introduction. What a forecast is, why profitable businesses still run out of cash, and how to build a 13-week forecast step by step, with a worked example.
Read the guide13-week cash flow forecast template
Download the template, fill it in in under an hour and see your next quarter week by week.
6 minute read · includes a free template
How to chase late-paying clients
A simple sequence for chasing overdue invoices, and the late payment rights UK businesses have.
6 minute read
How much cash buffer does a small business need?
There is no universal number. Here is how to work out the right buffer for your business.
5 minute read
Cash runway: how long will your cash last?
The one calculation every owner should be able to do in a minute, with a worked example.
5 minute read
How to test a hire against your cash flow
A hire is a commitment of cash for months before it returns any. Here is how to see the effect first.
6 minute read
Cash flow forecasting for agencies: retainers and projects
Retainers are predictable and projects are lumpy. Forecast each the way it behaves.
6 minute read
VAT and cash flow: planning for the quarterly payment
VAT is collected on behalf of HMRC, and it arrives as one large payment. Plan for it.
5 minute read
Payment terms: how they shape your cash flow
The number of days between doing the work and being paid is one of the biggest drivers of your cash position.
5 minute read
Building a cash flow forecast from Xero data
Your accounting data is a good start. Here is what it covers and what you need to add.
6 minute read
Want the forecast built for you?
Cadence reads your invoices and bills and keeps your 13-week forecast current.