Service 08
Liquidity & Working Capital Advisory
Cash-flow forecasting, working-capital release and lender-ready project reporting — on defensible assumptions.
Introduction
Profitable businesses fail on cash. Receivables stretch, a retention is held, a facility matures, and a company with a healthy income statement cannot make payroll.
We build the forecast that shows it coming, find the working capital already trapped in the cycle, and prepare the reporting a bank needs to say yes.
Who it is for
- Contracting and trading businesses with long cash cycles
- Companies approaching a facility renewal or new borrowing
- Groups under covenant pressure or facing a liquidity squeeze
- Project sponsors preparing lender submissions
Capabilities
How we deliver this.
Engagements are usually scoped around one of these, then extended as the picture becomes clearer.
Cash-flow forecasting
Rolling 13-week and annual direct cash forecasts with variance tracking and scenario stress testing.
Working-capital optimisation
Receivable, payable and inventory cycle analysis, credit-terms review and a practical plan to release trapped cash.
Bank facility structuring
Facility mix and sizing, covenant analysis, negotiation support and preparation of the credit submission pack.
Project & lender reporting
Project financial reports and monitoring packs structured against the ratios lenders actually test.
Scope of work
What the engagement covers.
- 01Build of a direct cash-flow forecast model with weekly and monthly views
- 02Cash conversion cycle analysis and benchmark comparison
- 03Identification and quantification of working-capital release opportunities
- 04Covenant headroom analysis under base and downside scenarios
- 05Preparation of bank submission packs and project reports
- 06Ongoing monitoring and variance reporting against forecast
Deliverables
What you receive.
- Rolling cash-flow forecast model
- Working-capital diagnostic and release plan
- Covenant and ratio analysis (DSCR, current ratio, debt-equity)
- Bank submission pack and project financial report
- Monthly variance and monitoring reporting
Related services
Often engaged alongside this.
Book a consultation
Let's look at your numbers.
A first conversation costs nothing and usually clarifies more than a proposal. Tell us what you are dealing with — a filing deadline, an audit, a funding round — and we will tell you plainly whether we can help.