Cashflow Planning

Cash Flow planning is the best practice in any business and is critical to survival and growth. 

Setting targets and monitoring your actual cash flow against your forecast will enable you to predict large cash outflows and respond to changes in your business.

Every business owner needs to understand cash and liquidity for better decision-making.  All businesses should have a Cashflow Forecast in place at the beginning of the new financial year.  Having said that, we can prepare one at any time.

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ADVISORY SOLUTIONS

Cash Flow Management Service

 

Poor cash flow is the number one reason businesses fail. 

 

Cash Flow Management

Helping our clients look ahead confidently is core to our purpose as your business advisor.  

Our Cash Flow Management service has been designed to treat the underlying causes of poor cash flow - starting with your Cash Conversion Cycle.

Together, we’ll conduct a thorough review of the potential causes of your cash flow challenges.  We will set annual goals, devise a 90-day action plan for improvement, and hold you accountable for implementing simple strategies to maximise cash flow. 

Inadequate cash flow is a symptom of management problems in a business, NOT the cause.  We must fix the underlying issues.

Benefits of Cash Flow Management

  • Monitor actual cash flow against forecast in your accounting or reporting software

  • Allows you to predict and plan for large cash outflows

  • Understand key cashflow drivers and your business’s Cash Conversion Cycle

  • Identify ways to avoid late payment penalties and interest

  • Improve your relationships with financiers and suppliers

  • Gain an understanding of cash and liquidity for better decision-making

  • Peace of mind that your cash flow needs are known and properly funded

  • Improve business processes to boost cashflow, profit, and business value

  • Drive your business to achieve your goals in a managed way

Profitable businesses can experience extreme cash flow problems, just as unprofitable businesses can survive if they’re well-funded. 

Understanding the difference between profit and cash and your business’s Cash Conversion Cycle is essential for your business's long-term viability.

Contact us today - the sooner we complete a Cash Flow Forecast for you, the sooner we can work together to agree on strategies for improvement.

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TESTIMONIALS

What our clients say

  • C Norman, Norman Plumbing Pty Ltd

    “Rebecca has been amazing to work with. She has been extremely professional and reliable. Her knowledge of XERO software is outstanding! I could not run my business without her.”

  • K Britter, Fitness Addix

    “Great service, and extremely happy with everything can’t recommend highly enough.”

  • B Colubriale, Elevate Your Thinking

    "To have someone so experienced, knowledgeable and trustworthy doing my bookwork has taken a large burden off my shoulders. Rebecca not only runs an amazing business but she also has my best interests at heart, making suggestions along the way around how I can improve my efficiencies and strategies and nothing is ever too much trouble. Thanks Bec!"

  • G Daely, The Brow Loft

    “Couldn't recommend Rebecca enough! She's super thorough, organised and reliable. I didn't have a clue of how to manage my finances for my business but Rebecca guided me every step of the way and structured everything super clear!”

  • Shew, JS Limitless Pty Ltd

    "Thanks, Rebecca for your awesome bookkeeping services. Handing control of my money management over to someone else was a big thing for me. Rebecca has been reliable, detailed, and super responsive and will always deliver. I highly recommend her services!"

  • R Cumming, Urban.io

    Rebecca from The Kartel Solution has been excellent to work with. Was able to gather up all our existing accounting processes with one session and has taken over all our ongoing financial administration requirements. As a Xero specialist we have found Rebecca was able to advise us on how to automate certain processes and save a lot of time in manual processing which has been awesome. Would highly recommend The Kartel Solution to anyone.

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BLOG LIBRARY

Helpful Insights

Blog
From Reactive to Proactive: The Future of Financial Forecasting in Bookkeeping
From Reactive to Proactive: The Future of Financial Forecasting in Bookkeeping

Running a business shouldn’t feel like a constant scramble. If your bookkeeping is only tracking where your money was instead of where it’s going, you’re already behind. In 2025, smart businesses use real-time data and financial forecasting to stay ahead—predicting cash flow gaps, avoiding surprises, and making confident growth moves. It’s time to stop reacting and start taking control.

Beyond the Books: How Bookkeepers Are Shaping Business Strategies for 2025
Beyond the Books: How Bookkeepers Are Shaping Business Strategies for 2025

Your bookkeeper isn’t just managing receipts—they’re your secret weapon for smarter business decisions. From cash flow control to strategic growth, the right bookkeeper helps you stay ahead, cut risks, and scale with confidence. If yours isn’t providing real financial insights, it’s time to rethink your approach.

AI and Automation in Bookkeeping
AI and Automation in Bookkeeping

AI isn’t here to replace bookkeepers—it’s here to make them better. By automating the grunt work like data entry and reconciliations, AI frees up time for strategy, cash flow management, and smarter financial decisions. If you're still chasing receipts and waiting on reports, you're already behind. The future of bookkeeping is here—are you keeping up?

Maximising Xero: How Australian Business Owners Can Use Xero Effectively in 2025
Maximising Xero: How Australian Business Owners Can Use Xero Effectively in 2025

2025 is the year to stop under utilising Xero and start leveraging its full potential. Dive into personalised Xero training, health checks, and staff education to ensure your business thrives.

Kickstart Your Year: Essential Bookkeeping Tips for Australian Businesses in 2025
Kickstart Your Year: Essential Bookkeeping Tips for Australian Businesses in 2025

Kickstart 2025 with essential bookkeeping tips for Australian businesses. Master Xero, streamline your finances and stay on top of cash flow with The Kartel Solution. Transform your financial management and set your business up for success this year.

Innovation in Business: How Bookkeepers Are Driving Change and Helping Businesses Adapt
Innovation in Business: How Bookkeepers Are Driving Change and Helping Businesses Adapt

Discover how a skilled bookkeeper not only manages your finances but also helps safeguard your mental health, reducing stress and preventing burnout.

Mental Health and Business Success: Why Bookkeepers Are Key to Keeping Owners Sane
Mental Health and Business Success: Why Bookkeepers Are Key to Keeping Owners Sane

Discover how a skilled bookkeeper not only manages your finances but also helps safeguard your mental health, reducing stress and preventing burnout.

The Right-Hand You Didn’t Know You Needed: Why Every Business Owner Needs a Bookkeeper for More Than Just the Books
The Right-Hand You Didn’t Know You Needed: Why Every Business Owner Needs a Bookkeeper for More Than Just the Books

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The Future of Bookkeeping: Why AI Won’t Replace Us—It’ll Make Us Even Better
The Future of Bookkeeping: Why AI Won’t Replace Us—It’ll Make Us Even Better

Discover how AI enhances accuracy, frees time for strategy, and amplifies the value bookkeepers bring to businesses.

The Evolution of Bookkeeping: From Bean Counter to Business Strategist
The Evolution of Bookkeeping: From Bean Counter to Business Strategist

Bookkeeping has come a long way in the last century. Once seen as a routine task of tracking numbers in ledgers, today’s bookkeepers have evolved into essential business strategists.

The Modern-Day Bookkeeper: Your Strategic Partner in Business Success
The Modern-Day Bookkeeper: Your Strategic Partner in Business Success

Modern bookkeepers provide daily financial guidance, offer unbiased insights, and focus on sustainable growth. They help you make smarter decisions, solve real problems, and ensure your business thrives without burnout. Today’s bookkeepers are not just service providers—they're essential allies in building a successful, sustainable business.

4 Common Cash Flow Mistakes You Could Be Making
4 Common Cash Flow Mistakes You Could Be Making

Avoid common cash flow errors with our guide on crucial mistakes small business owners make and how to prevent them.

How to Ensure that Your Small Business is Scalable
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No small business wants to stay small forever. However, in order to grow you need to ensure that your company is scalable. In this article, we'll discuss some tips on how to make your small business more scalable so that you can grow and thrive for years to come.

How to Develop a Successful Business Strategy
How to Develop a Successful Business Strategy

The right business strategy serves as a strong foundation upon which to build your business. It will enable you to make the right decisions with regards to areas of investment, the allocation of resources and the prioritisation of projects.

8 Warning Signs Your Business is Stagnating
8 Warning Signs Your Business is Stagnating

It’s important to keep your business alive and flourishing, but the truth is that most businesses experience stagnation at one point or another. Business owners need to be able to spot the warning signs of stagnation so that they can take action and get the numbers moving in the right direction again.

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Why You Should Check Supplier ABNs

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2023 RECESSION? Don’t be nervous, be practical.

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