Moments: Cashflow

Prepare

Review cash position, find risks (cash trend, debtors, upcoming liabilities), form a point of view.

Prepare → What to look for before the call

This is about insight gathering + identifying risk/opportunity.

Include:

Key signals to check (in Sage / data):

Cash balance trend (last 3–6 months)
Invoices outstanding / aged debtors
Bills due / upcoming liabilities (VAT, payroll)
Bank vs forecast mismatch
Seasonal dips or irregular cash patterns

Trigger moments:

Cash dropping month-on-month
High debtor days
Upcoming large payment with no buffer
Rapid growth without cash planning

Quick diagnosis prompts:

“Is this a timing issue, or a profitability issue?”
“Is cash tied up in debtors or stock?”
“Is there visibility of future cash?”

Output of Prepare:
A simple point of view going into the call (Example: “Cash is tightening due to slow payments and upcoming VAT—needs short-term visibility + debtor action”)

Guide

Run a structured conversation to build clarity on current cash, future visibility, and key risks. Agree priorities.

Guide → How to run the conversation

This is where you give them a light conversation framework + confidence (this is gold for your advisory push).

Include:

A simple 3-part conversation flow

1. Open (context + reassurance)

“I’ve been looking at your cash position—can we quickly walk through what’s coming up?”

2. Explore (ask, don’t tell)

“Do you feel you have visibility of your cash over the next few months?”
“Are you waiting on specific payments right now?”
“What’s coming up that you’re concerned about?”

3. Guide (bring clarity + insight)

Highlight 1–2 key observations (not everything)
Link to impact:

“This gap could create pressure next month”
“Cash is strong, but visibility is limited”

What good looks like

The client understands their cash position clearly
There is visibility forward (not just hindsight)
There is a simple action plan in place

Who does what

Accountant: provides insight, structure, tools
Client: takes ownership of decisions/actions

Output of Guide:
Agreement on the problem + priority actions

Execute with impact

Use Sage tools to create a forecast, improve cash collection, and set clear next steps with the client.

Execute → How to take action (with Sage/tools)

Include:

Core actions

Set up or review cashflow forecast
Review and clean aged receivables
Put in place payment chasing / automations
Adjust or plan for upcoming liabilities
Scenario plan (best / worst case)

Tie directly to Sage tools
For example:

Cashflow Forecast tool → create visibility
Credit control tools / reminders → accelerate cash-in
Reporting dashboards → track position
Bank feeds / real-time data → improve accuracy

Make it step-by-step (light, not heavy)

Create 3-month forecast
Identify shortfall (if any)
Agree 2–3 immediate actions
Schedule follow-up check-in

Output of Execute:
Actions are set up inside Sage + owned by client

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Other Cashflow Moments

Cashflow Forecast Tool

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