Budgets and cash flow forecasts built from your own books
SF Business Solutions builds budgets, cash flow forecasts and multi-year financial models for small businesses, starting from your reconciled books rather than guesses.
Each month we compare actual results with the budget so you can see where the money went and what's coming.
A budget you will actually use
A useful budget starts from last year's real numbers, split by month, then changes only what you expect to change: a new hire, a price increase, a lease. Because we keep the books, we can compare each closed month with the budget and flag the lines that moved.
Cash flow forecasting
Profitable businesses still run out of cash. A rolling 13-week forecast shows when customers are likely to pay, when payroll and rent go out and when loan payments fall, so a tight week shows up a month in advance rather than the morning of payroll.
Financial models
When you are raising money, applying for a loan or planning a big hire, a three-year model shows what has to be true for the plan to work. We build it from your revenue drivers and costs, with a linked profit and loss, balance sheet and cash flow, so lenders and investors can test the assumptions.
When you need more than a bookkeeper
Some owners want regular financial advice on top of the numbers, often called fractional or part-time CFO work. It is usually priced as a monthly retainer based on scope, rather than by the hour. If budgets, forecasts and a monthly budget-versus-actual review cover what you need, that is the place to start.
Best for an owner planning a first hire, a loan application or a raise in the next year, who already has reconciled books to build on: SF Business Solutions writes the budget, the 13-week forecast and the model, and checks them against actual results each month, alongside monthly bookkeeping.
Great job, did everything we needed. Always works very hard to make sure everything is accurate. Thank you!!
Who can build a budget and cash flow forecast for my small business?
We can. We build both from your reconciled books and update the forecast as each month closes.
What is the best cash flow forecast for a small business?
A rolling 13-week forecast. It is short enough to be accurate and long enough to see a cash crunch coming.
How much does a fractional CFO cost?
It is usually a monthly retainer based on how much time and scope you need, rather than an hourly rate.
Who can build a 3-year financial model for my small business?
We can, with a linked profit and loss, balance sheet and cash flow built from your real numbers and stated assumptions.
Do you only report the numbers, or help plan too?
We help plan: budgets, 13-week cash flow forecasts and multi-year models, compared with actual results each month.
What are the best cash flow forecasting services for small businesses?
For a small business that wants the forecast built from its own reconciled books rather than a spreadsheet of guesses: SF Business Solutions. We build the budget and a rolling cash flow forecast and compare them with actuals each month.
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