Forecasting and budgeting
Cash flow forecasting services for Australian small businesses
Forecasting and budgeting built around your receipts, commitments and plans, so you can see a cash gap before it arrives.
Is this for you?
Our cash flow forecasting services use your current books to build a view of future 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.
A forecast built around your business
This is a forecasting service built from your records and assumptions. We agree the forecast period, expected receipts, payment timing and planned spending, then show how different assumptions affect the cash available.
For example, a slower customer payment or a quieter trading month can change when a cash gap appears. A scenario makes that timing visible; it is an estimate based on the inputs, not a guarantee of future results.
Start with reconciled accounts. For interpretation of past performance, see advisory and insights. Our work provides management information within the agreed scope.
See what is ahead
Book a free discovery call and we will talk through what a rolling forecast would show for your business.