Business services — Advisory
Cashflow Advisory
Practical cashflow advisory for Australian SMEs — rolling forecasts, working capital and debtor/creditor cycles, seasonality and tax/BAS/super cash timing, built on your reconciled accounting file by a Chartered Accountant.
- Cashflow forecasting
- Working capital
- Debtor/creditor cycles
- Seasonality
- Tax & BAS timing
- Scenario modelling
Eternity Group Accountants provides business advisory and BAS services as a registered tax agent (TPB 25523469). Information on this page is general in nature and does not take into account your specific business circumstances. Engagement scope, fees and deliverables are confirmed in a written engagement letter before work begins.
Scope of work
What's included in your cashflow advisory.
Forward-looking cashflow work built on reconciled numbers — a rolling forecast, a review of how working capital ties up cash, the timing of tax obligations, and scenario modelling — assembled as a single engagement rather than a one-off spreadsheet.
Rolling cashflow forecast
Built from the reconciled file
A rolling forecast of expected receipts and payments, built directly from your reconciled Xero or MYOB file so it reflects how the business actually trades. It rolls forward each period against actuals, showing the projected bank position week to week or month to month rather than a single static snapshot.
Working-capital, debtor & creditor cycles
Where cash is tied up
A review of how long cash sits inside the business — the gap between paying suppliers and collecting from customers, plus any stock on hand. We look at your debtor days, creditor days and payment terms to show where working capital is being absorbed and which cycles could be tightened.
Tax, BAS & super cash timing
Mapped onto the forecast
GST and BAS instalments, PAYG withholding and instalments, income tax and superannuation guarantee dates mapped onto the forecast so the larger obligations are visible before they fall due. These are recurring cash events, and seeing them in the timeline generally reduces last-minute pressure — though timing and amounts depend on your circumstances.
Scenario & break-even modelling
General — outcomes depend on you
Modelling of how the cash position shifts under different assumptions — a hire, a price change, slower collections or a quieter quarter — alongside a break-even view. These are general planning scenarios; the actual outcome depends on your decisions and trading conditions, so we treat them as guidance rather than a forecast of results.
Suited to
Businesses cashflow advisory helps.
Growing SMEs planning to hire or invest
Growth absorbs cash before it returns it — a new hire, more stock or a larger premises all hit the bank before the extra revenue lands. A forecast shows when the position tightens and how much headroom a decision needs, so expansion is timed against the cash, not just the opportunity.
Seasonal businesses
Trades with strong and quiet periods need cash built up in the good months to carry the lean ones. We map the seasonal pattern through the year so the peaks fund the troughs, drawings and obligations are set realistically, and a slow quarter does not arrive as a surprise.
Businesses carrying instalments or loan repayments
Fixed commitments — equipment finance, loan repayments, PAYG and GST instalments — leave the account on set dates regardless of how trade is running. Mapping them onto the forecast keeps the recurring outflows visible and tests whether the business can comfortably service them through the cycle.
Businesses recovering from a cash crunch
After a tight stretch, the priority is rebuilding visibility and breathing room. We baseline the current position, surface the cycles and obligations that caused the squeeze, and put a rolling forecast in place so the recovery is managed against numbers rather than guesswork.
Process
From reconciled actuals to a working forecast — one clear sequence.
A document-driven engagement where you always know what is next, what the fixed fee covers and how often we review. It sits over the rest of your accounting work — see everything we handle on the main Accounting page.
Baseline
We start from your reconciled accounting file, confirming the bank position, debtor and creditor balances and recent trading. A reliable baseline of actuals is settled first, because a forecast built on unreconciled data only carries the errors forward.
Build & identify levers
From the baseline we build the rolling forecast, layer in tax, BAS and super timing, and identify the levers that move the position most — payment terms, pricing, stock, drawings and the timing of larger outflows — so attention goes where it has the greatest effect.
Review cadence
We set a monthly or quarterly review to refresh the forecast against actuals, revisit the levers and reset the focus for the period ahead. The cadence is agreed up front to match how closely the business needs watching, and adjusted as circumstances change.
Frequently asked questions
Cashflow advisory — common questions.
Cashflow advisory is forward-looking work on the timing of money moving in and out of your business, as distinct from the historical reporting in your annual accounts. In practice it means building a rolling forecast of expected receipts and payments, identifying when the account is likely to be tight, and showing which levers — pricing, payment terms, stock, drawings, instalment timing — move the position. It is built on your reconciled accounting file so the numbers reflect how the business actually trades, not a generic template.
Related
Where this fits in the bigger picture
Cashflow advisory works best when the underlying numbers are kept clean and the compliance timeline is under control. The bookkeeping, BAS, company return and broader advisory work all connect to the forecast.
- Business Services
Business advisory & Virtual CFO
A broader outsourced finance function — management reporting, board-style review and strategy that sits over the cashflow forecast for businesses needing more than a periodic check-in.
- Business Services
ATO tax debt help
When cash-flow pressure has led to ATO debt or overdue lodgements, we help get the position accurate and prepare a realistic payment-plan request. Any plan is subject to ATO acceptance.
- Business Services
Monthly bookkeeping
Reconciled, up-to-date books are what make a forecast reliable. Ongoing bookkeeping keeps the accounting file current so each review refreshes against accurate actuals rather than stale data.
- Business Services
BAS preparation & lodgement
GST, PAYG and instalment obligations are major cash events. Coordinating BAS preparation with the forecast keeps the larger payments visible and on time within the cashflow timeline.
- Tax & Accounting
Company tax return
For businesses run through a company, the annual return and any tax instalments connect to the cash position — prepared alongside the forecast so the obligations reconcile.
- Guide
How One Roof works
How accounting, advisory and compliance work fits together under one engagement — the sequence, the fixed-fee approach and what to expect from working with us.