Let’s get thi brass sorted.Let’s get your cash sorted.Cashflow forecasting and planning for businesses across Yorkshire
I'm David, and this is Yorkshire Cashflows. I'm t'advisor in thi corner, and I start where every business lives or dies: cash. Proper bespoke forecasts, straight-talking advice and a plan for what's coming, so tha knows whether there's enough in t'pot come payroll. No jargon, no judgement, no faffing.I'm David, founder of Yorkshire Cashflows. I work alongside you as your business advisor, starting with what keeps every business going: cash. Bespoke forecasts, clear advice and a plan for what's coming, so you know there's enough in the bank for payroll. No jargon, no judgement, no time-wasting.
Free, no obligation, and I’ll not try to flog thee owt.Free, no obligation and no sales pitch.
This is what knowing thi brass looks like.This is what knowing your cash looks like.
Every forecast shows where cash stands today, where it'll dip, and what's causing it, wi' traffic lights so tha can spot owt that needs sorting at a glance.Every forecast shows where cash stands today, where it will dip and why, with traffic lights so you can spot anything that needs attention at a glance.
Have a poke at t’chart. Go on.Hover over or tap the chart to explore.
Lying awake, fretting about brass?Lying awake worrying about cash?
Tha’s not on thi own. If any o’ these sound familiar, tha could do wi’ an advisor in thi corner, and a forecast that tells thee straight.You’re not alone. If any of these sound familiar, you could use an advisor in your corner and a forecast that tells it straight.
- Tha checks t'bank balance before every payroll or VAT date.You check the bank balance before every payroll or VAT date.
- Customers pay late, and tha's never sure when t'money'll land.Customers pay late, and you're never sure when the money will land.
- Big bills (tax, stock, a new van) all turn up at once, like buses in Leeds.Big payments such as tax, stock or equipment arrive all at once and are hard to plan around.
- Business is growing, but cash still feels tighter than a Yorkshireman's wallet.The business is growing, yet cash always feels tight.
- Tha's weighing up a hire or an investment and doesn't know if tha can afford it.You're weighing up a hire or an investment and don't know if you can afford it.
- Thi spreadsheet's a mess, and t'software only tells thee what tha already knew.Your spreadsheet is a mess, and the software only tells you what you already knew.
Built like a dry-stone wall. Not knocked up from a kit.Built like a dry-stone wall, not assembled from a kit.
Every wall in t'Dales is built stone by stone to fit t'land it stands on, and it's still stood there a hundred year later. Thi forecast's t'same: built by hand, around how thi business actually works.Every dry-stone wall in the Dales is built stone by stone to fit the land, and it lasts for generations. Your forecast is the same: built by hand around how your business actually works.
Every stone placed by hand. Same goes for thi forecast.Every stone placed by hand. The same goes for your forecast.
One size fits nobodyGeneric by design
- Same categories and guesses as everyone elseStandard categories and assumptions shared by every user
- Averages, not how thi customers really payAverages rather than how your customers really pay
- Dashboards tha has to work out thysenDashboards you have to interpret yourself
- Set up once, then left to gather dustSet up once, then rarely refined
Built around theeBuilt around you
- Modelled on thi own cash cycle, terms and commitmentsModelled on your own cash cycle, terms and commitments
- Based on how thi customers and suppliers actually payBased on how your customers and suppliers actually pay
- Plain-speaking commentary on what matters and whyPlain commentary on what matters and why
- Kept up to date as thi business changesKept up to date as your business changes
Advice, Yorkshire-style.How I advise.
I'm a cashflow man at heart, but I work like a proper business advisor: I listen, I tell thee straight, and I help thee decide. It's how they do it round 'ere.I specialise in cashflow, but I work as your business advisor: I listen, I tell it straight and I help you decide.
I listen firstI listen first
Hear all, see all, then say summat useful. I get to know thi business before I advise owt.I get to know your business properly before I advise anything.
I tell it straightI tell it straight
If t'numbers look grim, I'll say so. Kindly, mind. Tha'll get no waffle from me.If the numbers show a problem, I'll say so clearly and constructively.
I help thee decideI help you decide
Hire, invest, borrow, or batten down t'hatches. I'll weigh it up wi' thee, wi' t'forecast to back it.Hiring, investing, borrowing or holding steady: I'll weigh it up with you, backed by the forecast.
Three ways I can help. All bespoke, all straight-talking.Three levels of support. All bespoke, all clear.
I’m an advisor first, so I don’t just hand thee a pile o’ numbers. I build thi forecast, tell thee what it means, and help thee decide what to do about it. Pick how much help tha wants.I’m an advisor first, so I don’t just hand you numbers. I build your forecast, explain what it means and help you decide what to do. Choose the depth of support you need.
Know where tha stands.Know where you stand.
For folk who want a clear, reliable look at what's coming.For businesses that want a clear, reliable forward view of their cash.
- Bespoke cashflow forecast, built around your business
- Rolling forecast
- Actual vs forecast
- Traffic-light reporting
- Key commentary
Meeting rhythmA monthly report, wi' traffic lights and plain-speaking commentary.Monthly forecast report with traffic lights and commentary.
Ask about VisibilityAsk about VisibilityUnderstand what’s going on.Understand what’s happening.
For when tha wants to know why, not just what.For businesses that want deeper analysis, planning and scenario modelling.
- Everything in Visibility
- Detailed variance analysis
- Cashflow drivers
- Working-capital analysis
- Best and worst case scenarios
Meeting rhythmMonthly report, plus a sit-down (and a brew) to talk it through.Monthly report plus a review meeting to talk it through.
Ask about ControlAsk about ControlSomeone in thi corner.A financial planning partner.
For t'big decisions: hiring, investing, borrowing.For ongoing financial planning and decision support.
- Everything in Control
- 6 to 12 month forecasting
- Decision-specific scenarios (hire, invest, fund)
- Strategic financial planning
- Bespoke analysis and decision support
Meeting rhythmFortnightly meetings, wi' t'forecast updated around thi decisions.Fortnightly meetings, with forecasts updated around your decisions.
Ask about PartnerAsk about PartnerWhat if it all goes pear-shaped?What happens if things change?
Flick between t'scenarios and drag t'sliders. Watch t'low point move. Go on, push it about, it's only pretend brass.Switch between scenarios and drag the sliders to see how the low point moves. It's illustrative, so feel free to experiment.
Receipts arrive broadly as expected and committed payments are covered throughout the 13 weeks.
Try it: drag the sliders to see how the low point moves against the buffer.
One clear forecast, with traffic lights showing where cash gets tight.
Standard scenarios tested against your operating buffer, so you can see how late receipts or higher costs change the low point.
Bespoke modelling over 6 to 12 months for a particular decision: hiring, investment or funding. See the 12-month view →
Illustrative demonstration only, not a live forecast for your business. Small changes in assumptions can have a significant impact on future cash.
Nowt complicated. Here’s how it goes.Simple. Here’s how it works.
Tha'll know what's happening at every step, and what it costs, before any paid work starts.You'll know what happens at each stage, and what it costs, before any paid work begins.
Free cash health reviewFree cash health review
Send me a few headline numbers. I'll send back a short, honest view of where thi cash stands, and whether a forecast'd help.Share a few headline numbers. I send back a short written view of your cash position and whether a forecast would help.
Scope and fee agreedScope and fee agreed
If it's a good fit, we agree t'level of help, what I need from thee and t'fee, before owt gets charged.If it's a fit, we agree the level of support, the information I need and the fee before any paid work starts.
Thi bespoke forecastYour bespoke forecast
I build it around how thi business really works, then walk thee through it. Brew optional, but recommended.I build your first forecast around how your business actually works, then walk you through it.
A steady rhythmOngoing rhythm
Regular updates and natters at t'level tha's chosen, so it never goes stale.Regular updates and reviews at the level you've chosen, so the forecast stays current.
Ey up, I’m David.Hello, I’m David.
A proud Yorkshireman, an accountant for ten year, and now thi Yorkshire business advisor. I've built more cashflow forecasts than I've had hot dinners, and I design every one around t'person reading it.A proud Yorkshireman, an accountant of ten years and now your Yorkshire business advisor. I've built more cashflow forecasts than I've had hot dinners, and I design every one around the person reading it.
Summat to read wi’ thi brew.Practical guides to managing cash.
Put t’kettle on. Let’s have a natter about thi cash.Let’s talk about your cash.
Easiest place to start is a free cash health review. Tell me a bit about thi business and I'll send back a short, straight-talking view of where tha stands. No obligation, no hard sell.The easiest place to start is a free cash health review. Tell me a little about your business and I'll send back a short, honest view of where your cash stands. No obligation and no sales pitch.
- A short written view of where thi cash standsA short written view of your cash position
- T'pressure points worth keeping an eye onThe pressure points worth watching
- An honest answer on whether a forecast’d helpWhether a bespoke forecast would genuinely help
Happy doing it thysen in Excel? Pick a free template from t’dropdown above.Prefer Excel? Choose a free template from the dropdown above.