Helping Business Owners Take Control of Their Cash — and Their Future
Cash flow is the lifeblood of every business. It fuels growth, pays suppliers, and sustains operations. Yet, for many SMEs, cash flow remains one of the least understood and most poorly managed areas of their business.
At Independent Advisors, we help business owners move from uncertainty to control — turning unpredictable cash patterns into a clear, reliable financial roadmap.
Our Cash Flow Management and Forecasting services give you visibility into where your money comes from, where it goes, and how to plan for what’s ahead.
We don’t just prepare spreadsheets — we build living, breathing financial tools that help you manage liquidity, avoid surprises, and make confident operational and investment decisions.
Our Cash Flow Management Services
Our consulting support covers every stage of cash management — from diagnosing current problems to implementing long-term solutions.
1. Cash Flow Diagnostic Review
We start by understanding how cash moves through your business.
Our diagnostic review identifies:
- Cash flow bottlenecks in your operating cycle
- Gaps in collection, payment, and working capital processes
- Seasonal patterns and liquidity pressure points
- Quick-win strategies for improving cash control
This initial review provides a clear snapshot of your cash position and a foundation for improvement.
2. Cash Flow Forecasting & Planning
We develop rolling cash flow forecasts that align with your business model, revenue cycles, and funding needs.
Our forecasts typically include:
- 13-week short-term liquidity forecasts
- Monthly and quarterly rolling forecasts
- Scenario and sensitivity analysis
- Integration with budgeting and financial reporting frameworks
These forecasts help you anticipate challenges, plan for growth, and communicate effectively with banks, investors, and shareholders.
3. Working Capital Optimization
Cash flow isn’t just about forecasting — it’s about freeing up cash that’s already in your business.
We help you:
- Improve receivables management
- Optimize supplier payment terms
- Manage inventory more efficiently
- Design internal approval and control processes that protect liquidity
Our practical approach ensures you have more cash on hand without needing more financing.
4. Tools, Templates & Training — via CashFlowMastery.co
To support business owners directly, we’ve built an education hub at CashFlowMastery.co
a dedicated platform developed by Independent Advisors.
Here you’ll find:
- Practical guides and eBooks (including The 7-Day Cash Flow Fix)
- Interactive cash flow templates and forecasting tools
- Online workshops and mini-courses designed for SMEs
It’s where business owners learn how to take control of their cash — with simple, actionable methods used by finance professionals.
Why Cash Flow Management Matters
- Prevents Crisis – Avoid last-minute funding gaps and cash shortages.
- Supports Growth – Plan ahead for expansion, hiring, and capital investments.
- Builds Credibility – Strengthen trust with banks, partners, and investors.
- Improves Profitability – Unlock hidden cash trapped in operations.
- Gives Peace of Mind – Know your business can handle both good and bad months.
Why Work with Independent Advisors
- Hands-on CFO-Level Experience – 30+ years managing cash and liquidity for regional and international companies.
- Tailored for SMEs – Practical, cost-effective solutions that deliver real results.
- Connected Resources – Access to our CashFlowMastery.co ecosystem for continued learning.
- Independent and Objective – Advice driven purely by what’s best for your business.
Our Commitment
Our mission is to help every business owner move from cash reactive to cash ready.
We bring clarity to your numbers and confidence to your decisions — so you can grow your business with control and foresight.
Next Step
Discuss your current cash flow position with one of our advisors.
The 7-Day Cash Flow Fix — available on
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