OVERVIEW: 

 

 Key Steps to Build a Cash Budget

 

List Income Sources: Track estimated revenue from sales, services, seasonal shifts, and investments.

 

Control Expenses: Divide costs into predictable fixed expenses and flexible variable expenses.

 

Track Actual Cash Flow: Monitor the exact timing of when money enters and leaves your account, rather than relying solely on invoice dates.

 

Plan for Gaps: Anticipate dry spells by keeping a cash reserve or exploring short-term funding options through to stay liquid.

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Key Parts of a Cash Flow Restructure

 

A business cash flow restructure focuses on rearranging your operating, investing, and financing cash movements to stop cash bleeds and ensure your business can cover its immediate obligations.

 

When a business enters cash flow distress, the goal shifts from long-term accounting profitability to immediate liquidity and survival.

 

Debt Changes: Lowering loan payments by extending the time to pay or reducing interest rates.

 

Cost Cuts: Stopping spending on non-essential projects or selling off parts of the business that do not make money.

 

Better Timing: Speeding up how fast customers pay their invoices while slowing down payments to suppliers

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Key Purpose of Liquidity 

 

Ensures a company can pay its short-term debts and operational expenses on time without relying on emergency loans or asset fire sales.

It acts as a financial buffer that keeps the business running day-to-day.

 

Prevents Insolvency: Even highly profitable companies can go bankrupt if they run out of cash to pay immediate bills. Liquidity keeps the doors open

 

Funds Daily Operations: It ensures there is ready cash or near-cash to cover working capital needs like payroll, rent, utilities, and raw materials.

 

Seizes Immediate Opportunities: Having liquid reserves allows management to capitalize on sudden market shifts, such as buying inventory at a steep discount or acquiring a competitor.

 

​​Don’t just run your business — grow it with confidence.

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​​​Our fees are affordable and all options come with a FREE BizFin Smart Guide.

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OPTION ONE: Liquidity Monitor Report - Fee: R 750.00 (Seven hundred and fifty rand) The report can also be used as a DIY Monthly Monitor Template

 

OPTION TWO: Biz Cash Flow Budgeting - Fee: R 1 500.00 (One thousand five hundred rand) The budget can also be used as a DIY Yearly Budget Template

 

​OPTION TWO: Biz Cash Flow Analysing & Restructuring - Fee: R 3 000.00 (Three thousand rand)

 

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