Accounting & Bookkeeping
Cash Flow Forecasting & Budgeting
Running out of cash is the number one reason businesses fail — even profitable ones. PHC & Associates builds forward-looking cash flow forecasts and annual budgets that give you visibility over your financial future, so you can plan investments, manage debt, and navigate seasonal fluctuations with confidence.
1000+
Clients Served
CPA
Certified
Cloud Based
Real-Time Access
What's Included
Everything Handled for You
12-month cash flow forecast model
Annual operating budget preparation
Monthly budget vs actual variance tracking
Scenario modelling — best case, base case, worst case
Working capital analysis and improvement recommendations
Loan repayment and financing impact modelling
Seasonal cash flow planning for cyclical businesses
Cash flow reports for bank lending or investor presentations
Why It Matters
Why Cash Flow Forecasting & Budgeting Matters for Your Business
More businesses fail due to cash flow problems than due to lack of profitability. A business can be growing, winning clients, and generating revenue — and still run out of cash. Forecasting and budgeting is how you prevent that from happening to you.
Profitable Businesses Can Still Fail
If your customers pay in 60 days but your suppliers want payment in 30, you can be profitable on paper and insolvent in practice. Cash flow forecasting closes that gap.
Plan for Peaks & Troughs
Most businesses have seasonal patterns. A forward-looking cash flow model lets you plan staffing, inventory, and capital spending around the cycle — not react to it.
Access Finance on Your Terms
Lenders want to see cash flow forecasts before approving business loans. Having a credible model means you can approach banks from a position of strength, not desperation.
Make Capital Decisions Confidently
Should you buy that equipment? Hire another staff member? Open a second location? A budget model lets you stress-test the decision before you commit.
Sleep Better
Business owners who know what's coming — even the difficult periods — make calmer, better decisions. Uncertainty is more stressful than a hard number you can plan around.
How It Works
Your Step-by-Step Process
A clear, repeatable process so you always know what to expect.
Data Collection
We gather your historical financials and forward assumptions.
Model Built
A 12-month cash flow and budget model is built in your preferred format.
Assumptions Reviewed
We walk you through the assumptions and stress-test the model.
Scenarios Modelled
Best, base, and worst case scenarios are produced for key decisions.
Monthly Updates
The model is updated monthly with actuals so it stays relevant.