How We Help
Cashflow Projections
Stop managing cashflow through the rear-view mirror
Bank balances tell you where you've been. By the time a shortfall shows up in the account, the decisions that caused it were made months ago — the settlement date you agreed, the job you priced, the tax instalment you didn't allow for.
A cashflow projection moves that visibility forward. We build a forecast on your actual numbers, test it against the things that could realistically go wrong, and give you something you can take to a lender or use to decide whether the next move is affordable.
What a cashflow projection can show
When money is actually going to arrive
Invoiced is not the same as paid. A projection works on realistic payment timing, including the clients and progress claims that consistently run late.
The months where it gets tight
Provisional tax, GST, insurance renewals and holiday pay tend to land together. Seeing that three months out is the difference between planning and panicking.
Whether you can afford the next move
Another property, a new hire, a piece of plant, a bigger job. The forecast shows what it does to your position before you commit to it.
What a lender will want to see
Banks fund businesses that can demonstrate serviceability. A properly built projection answers their questions in the format they expect.
How different scenarios play out
Interest rates up two percent, a vacancy for three months, a settlement delayed by six weeks. We model the downside so it isn't a surprise.
How much headroom you really have
The buffer you need to run the business without stress, and whether your current facilities and reserves are enough to provide it.
The Key Difference
Cashflow vs profit
This is the single most useful distinction in business finance, and the one that catches profitable operators out most often.
Profit
What you earned on paper
- Recorded when you invoice, not when you're paid
- Ignores loan principal repayments entirely
- Spreads asset purchases across years as depreciation
- Excludes GST and drawings from the picture
- Tells you whether the business model works
Cashflow
What's actually in the bank
- Recorded when the money physically moves
- Includes every loan repayment, in full, on the day it goes out
- Takes the full hit of an asset purchase up front
- Includes GST, PAYE and provisional tax as real outgoings
- Tells you whether the business survives the next quarter
A business can be profitable and still run out of money — and a business can be cash-rich for a quarter while quietly losing money on every job. You need both numbers, and they need to be looked at together.
Why choose Finex for cashflow projections?
Built on your real numbers
We start from your actual accounts and bank data, not a generic template with optimistic assumptions typed into it.
Property and construction literate
Progress claims, retentions, settlement timing and development GST are modelled properly because we do this work every week.
Lender-ready output
Presented in the format banks and non-bank lenders expect, with assumptions documented so they stand up to questions.
Scenario tested
Best case, expected case and the version where two things go wrong at once — so you know your margin for error before you need it.
Kept current
A forecast is only useful while it reflects reality. We can update it against actuals each month so it stays a decision-making tool.
Next Step
Don't wait for a cashflow problem to tell you there's a cashflow problem
Send us a few details and we'll come back with a fixed fee to build a projection you can actually make decisions on.