Cash Flow Management. See the Gap Before it Arrives.
Profitable businesses run out of cash more often than unprofitable ones. We help you see a gap coming while there is still time to do something about it, not explain it afterwards.
We have one rule at Bernard Rogers & Co: you deal with a named Client Manager, who knows your numbers well enough to spot a problem before it becomes urgent, and ensures you have a consistent point of contact who truly understands your goals and can help navigate any challenges as they arise.
How this plays out in practice.
A growing business with fifteen staff can be profitable on paper and still run into a genuine cash crunch, often because growth itself is what is absorbing the cash, more stock, more wages before the invoices are paid, a new hire before the new contract lands.
We build the forecast that shows exactly when the squeeze will bite, so decisions get made ahead of time rather than in a panic.
"...As the company grew, with new staff joining regularly and more complex onboarding and payroll to manage, it became clear he needed more than a basic accounting service. He needed a proactive partner who could take ownership of the finance function and adapt quickly as the business evolved. That is exactly what Bernard Rogers & Co provided."
Find out how Daintta have used our Services
What we do for you
Rolling cash flow forecasts using your data
We build a live cash flow forecast tied to your actual bank and accounting data, not a static spreadsheet built once and forgotten. Updated regularly, so you can see a gap coming weeks or months out, while there is still time to do something about it.
Credit control and getting paid on time
Slow-paying customers are one of the most common causes of a cash squeeze in an otherwise healthy business. We help you tighten up terms, chase overdue invoices properly, and if it is worth pursuing, use your statutory right to claim interest on late commercial payments.
Managing HMRC and supplier payment timing
When cash is tight, the order you pay people in matters. We help you sequence VAT, PAYE and Corporation Tax payments sensibly, and where genuinely needed, negotiate a Time to Pay arrangement with HMRC before a payment is missed rather than after.
Funding gaps, seen in advance
Where a forecast shows a shortfall ahead, we help you look at the options, an overdraft, invoice financing, asset finance, in good time. Going into that conversation with a lender-ready forecast rather than a guess makes a real difference.
Seasonal and growth-related cash strain
Fast growth and seasonal trading both put pressure on cash even when the underlying business is doing well. We help you build a working capital buffer that matches how your business actually trades, rather than a generic rule of thumb.
Regular cash flow reviews to help you decide
We sit down with you at regular intervals to go through your cash position, what has changed and what is coming up. You get a clear picture of where the money is going, which customers or costs need attention and what to do next, by the person who knows your numbers best.
Why clients work with us.
The average client relationship at Bernard Rogers & Co is around seven years, with some having worked with us for over 30 years. Cash flow management is not a one-off exercise. It needs revisiting as your business changes, as you grow, as you take on new clients or new staff.
We are not the cheapest option in Warwickshire. We are also not going to hand you a spreadsheet template and leave you to it. If that trade-off sounds right for your business, let us talk.
"I feel that my Company is in very capable hands and receive accurate, professional advice which is very reassuring. I have no regrets in appointing such a professional and friendly firm that is Benard Rogers & Co and I have no hesitation in recommending them. A professional family firm with traditional values at the core of the practice."
FAQs
Common questions about Cash Flow Management. Get in touch if there is anything else you would like to know.
Profit is what you have earned on paper. Cash flow is what has actually moved in and out of your bank account. A business can be profitable and still run out of cash if customers pay slowly, stock ties up money, or growth outpaces the cash coming in.
Yes. We help tighten payment terms, put a proper credit control process in place, and where appropriate use your statutory right to claim interest on overdue commercial invoices.
Speak to us before the payment is due, not after. In many cases we can negotiate a Time to Pay arrangement with HMRC that spreads the payment, provided it is set up properly and in good time.
We do not lend money ourselves, but we help you build the forecast a lender will want to see, and talk through which type of financing, overdraft, invoice financing, asset finance, actually fits your situation before you approach anyone.
Very straightforward. We handle the professional clearance, contact your existing accountant and make sure nothing falls through the gaps.
The cost depends on the complexity of your affairs. We agree a fixed fee upfront so you know exactly what you are paying. A short conversation with David is the quickest way to get a sense of the numbers.
Get in touch with David
Contact David directly, or fill out the form below and we'll be in touch ASAP.
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