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While there are many ways to make lots of money in business, there are also many ways to loose lots of money. In today's uncertain economy, many small businesses with poor cash flow planning and budgeting are having problems staying alive, let alone prospering. 

Whether it is a multi-billion dollar empire, such as Bill Gates' , or the tiny mom-and-pop convenience store on the street corner, cash is the lifeblood of the business, therefore cash flow planning & budgeting are absolutely critical.  Why?  Because having enough cash at the right time is crucial.  This is one of the main reasons businesses fail.  You could have the best product or service in the world, with happy customers and plenty of sales, but if you run out of cash, none of that will matter.  If you can’t pay your bills on time you will go out of business. 

The cash flow budget tells you if you have sufficient money to pay your bills at the end of the month, it is a chronological overview of expected income and expenses over a given period of time.

The cash flow budget focuses on cash (money) that actually has to be taken out of the cash box or the bank for example cash to pay salaries or debtors. It also focuses on cash that actually is received from customers this is the cash you can see in the cash box or in a bank statement.
 
A cash flow budget shows the companies monthly capital requirement. Some months there might be a lack of cash o keep the business in operation. If the cash flow budget shows a lack of money at the end of the month you have to find the money which is needed.  It can be fund in different ways:  
 
Capital required
  • You can borrow more from the bank.
  • You can make your debtors pay earlier.
  • You can delay the payment to your suppliers .
  • You can cut down expenses .
  • You can postpone a large investment .
  • You can stop drawing money for your self.
  • You can introduce “cash on delivery”
  • You can combine all of the possibilities. 
Value added benefits of cash flow budget management;
  •  Keep your business on the right track.
  • Show you the easiest way to reach your goals.
  • Warn and prepare you for possible danger ahead.
  • Avoid overtrading to grow your business within your means.
  • Spend more time creating revenue to optimizing your business.
  • Build the liquidity of your business and credibility at all role-players.
 We fill the gap countrywide to help you with: 
  • Budgets for new projects / tenders.
  • Budgets for starting or buying a business.
  • Budgets for controling cash flow "hands on".
  • Actual cash flow statements for selling a business.
There is a very old saying; FAILING TO PLAN IS PLANNING TO FAIL. You will make a wise decision to plan your actions to avoid pitfalls in today’s challenging business world. 
 
For small businesses to survive in the current financial challenging times cash flow budgeting and control are the key factors for survival and growth.
 
Please mailto; hennie@bizexpo.co.za your name, business description and the purpose of the cash flow planning, After we review your information you can expect a "FREE" PRICE QUOTE and our TERMS & CONDITIONS within 24 hours or less!