Forecasting and budgeting
Forecasting and budgeting that shows you what is ahead
Cash flow reporting for small business owners who want to see the gap before it arrives.
Is this for you?
Most cash flow reporting for a small business looks backwards. Ours looks forwards. We build a forward view of your cash, month by month, so a tight quarter shows up while there is still time to do something about it.
A forecast is only as good as the drivers behind it, so we start by learning what actually moves profit in your business. In a cafe that might be covers and average spend. In a clinic, practitioner hours and rebate timing. In a trade business, job margins and the lag between finishing the work and being paid. The forecast is built around your drivers, not a generic template.
What is included
- Rolling cash flow forecasts. A forward view of cash that updates as each month closes, not a spreadsheet that dies in July.
- Annual budgets. A realistic plan for the year, built with you and loaded into Xero.
- Budget versus actual tracking. Results checked against the plan each month, with drift explained early.
- Simple scenario planning. What happens if you hire, buy equipment or open a second site, modelled before you commit.
- Bank ready numbers. When you need finance, the forecasts and budgets your lender asks for are already prepared.
Where this service stops
Forecasting and budgeting from Sterix is management insight, not credit or financial product advice. We show you what the numbers say. Decisions about borrowing or financial products belong with you and your licensed adviser.
The forecast pairs naturally with our advisory and insights service, which reads the same numbers looking back. To scope a forward view for your business, head to our contact page.
See what is ahead
Book a free discovery call and we will talk through what a rolling forecast would show for your business.