Forecasting and budgeting

See the cash pinch before it arrives

A one-off three-way forecast for a lender or a big decision, or a rolling budget kept up to date every month as part of Finance Partner.

Who we help:Businesses seeking financeOwners planning a hire or moveGrowing teamsSeasonal businesses

A three-way forecast

Profit and loss

Cash flow, month by month

Balance sheet

Scenarios you can compare

Lender-ready pack

One-offQuotedor included in Finance Partner

Problems we solve

Sound familiar?

Most cash problems are visible months in advance, if someone is looking.

“We’re profitable, but cash is always tight.”

How we help

A cash forecast that shows the pinch points in advance, so you can act before they arrive.

“The bank has asked for a forecast.”

How we help

A three-way forecast built on your real figures, in the format lenders expect.

“I’m weighing up a big decision.”

How we help

Scenarios side by side, a hire, a new site or a price change, so you can see the effect first.

“We set a budget and never look at it again.”

How we help

A rolling budget updated monthly and compared with what actually happened.

What we do

Forecasts built from your own ledger, with assumptions you can see and challenge.

One-off forecast

For a lender, investor or major decision.

Profit, cash and balance sheet
Assumptions set out clearly
Ready for the lender

Rolling budget

A budget that is kept alive and updated each month.

Budget versus actual
Reforecast as things change
Part of Finance Partner

Scenario planning

What happens to profit and cash if something changes.

Best, expected and worst case
Hiring and investment decisions
Pricing changes

Before you decide

Test it on paper first

A forecast lets you see the effect of a big decision before you commit to it.

Talk it through

Decisions we often model

● scenarios

A new hire

Cost, timing and payback

A second site

Fit-out, rent and cash

A price change

Margin and volume

New borrowing

Repayments and headroom

How it works

What working with us looks like

A free first call

Twenty minutes on what you need and what is not working. If you don’t need us, we’ll say so.

Gather the figures

Your Xero data, plans and the assumptions behind them.

Build and review

We build the forecast and go through it with you.

Keep it current

Updated as things change, or monthly as part of Finance Partner.

Packages

Where this sits in our packages

A rolling budget comes with Finance Partner. One-off forecasts are quoted separately on any package.

Corefrom £100/moYear-end accounts, tax returns and filings done early.Core +from £250/moCore, plus bookkeeping and VAT kept current.Growthfrom £450/moManagement accounts and a meeting to talk them through.Usually the right fitFinance Partnerfrom £850/moYour whole finance department on one monthly fee.

Compare what’s includedAll prices plus VAT

Questions

Common questions

Anything else, call us on 01242 226789.

What is a three-way forecast?

Profit and loss, cash flow and balance sheet forecast together, so they agree with each other.

How long does it take?

Usually a couple of weeks once we have the figures and your plans.

Will the bank accept it?

It is prepared in the format lenders expect, and we can join the meeting to take them through it.

Can we update it ourselves?

Yes. We can hand it over with notes, or keep it updated for you.

Next step

Plan the next twelve months

Tell us what the forecast is for and we will quote a fixed fee before we start.

Phone — Mon–Fri, 9am–5.30pm

01242 226789

info@bpcpartners.co.uk

Switching from another accountant?

We handle the professional clearance and the handover.