Services

Every engagement starts with an inquiry and is scoped by email before any session is booked. Fees are agreed in that email, before work begins — so you know the cost before you commit. Nothing here is a software subscription; these are working consultations that leave you with files you own.

Small-business budget build

A single working session in which we build a one-page budget from your own figures: revenue pattern, fixed costs, and the cost lines that drift. You leave with a spreadsheet you can edit, structured around the way your business actually spends. Best for owners who have never written a budget, or whose last budget stopped matching reality months ago.

13-week cash-flow forecast

A forecast that maps when you bill against when you actually get paid, week by week for thirteen weeks. It is built to show the timing gap — not the profit gap — that causes most small-business cash shortfalls. You receive the forecast file and a short note explaining the three weeks most likely to be tight.

Forecast-vs-actual review

A follow-up session, usually four to six weeks after the first consultation. We compare the forecast to what really came in and went out, find where the assumptions broke, and adjust. Most owners need one review; some book a second after a seasonal swing.

Budget handover

For owners who want to run the forecast themselves after the first cycle. A short session covering how to update the file, how to categorise irregular payments, and which lines to watch each month. The aim is for you to stop needing us — we stay reachable by email only if you ask.

What these services are not

• Not licensed audit, tax filing, or regulated fund management. For those we will name a suitable local professional in our first reply.
• Not a recurring software subscription. You receive files you own; there is no platform to log into and no monthly fee.
• Not a guarantee of a specific financial outcome. Budgets and forecasts reduce avoidable surprises; they cannot remove market risk.