Cash flow advisor for Kellyville and Sydney business owners
SMA Business Advisory works as a cash flow advisor for business owners across Kellyville, Castle Hill, Baulkham Hills, Norwest & Bella Vista, Rouse Hill, Parramatta and greater Sydney, building forecasts and reporting that show exactly where your cash is going and what’s coming next.
Plan around your cash, rather than be surprised by it
This service is for business owners who want to plan around cash rather than be surprised by it. Instead of working off last month’s bank balance, you get a forward view of your cash position, built from your own trading patterns rather than a generic template.
Cash flow management services only work if the person building the model understands your business, not just the spreadsheet. That’s the basis this service is built on, whether you need a single forecast to support a decision or an ongoing reporting arrangement.
A cash flow view
specific to your business
We build and maintain a cash flow view that’s specific to your business, then use it to support the decisions you’re actually facing.
- Cash flow forecasting
- Ongoing cash flow reporting
- Scenario planning
- Working capital review
- Finance-ready reporting
Models you can actually use day to day
Manraj brings more than 15 years’ experience advising business owners across Big Four, mid-tier and boutique firms, and works directly with you throughout. As a Kellyville-based practice serving greater Sydney, we build models you can actually use day to day, not a static document delivered once and forgotten.
This service suits businesses that want an ongoing, working view of their cash position, whether that’s to manage a tight period, plan a major decision, or simply stay ahead of surprises. If your books aren’t fully up to date, that’s a normal starting point, part of the initial review is establishing what needs fixing first before a forecast can be built on it.
- Direct access to a CPA-qualified, registered tax agent on every engagement
- Forecasts built from your real trading patterns, not a generic template
- Available as a one-off forecast or an ongoing, regularly updated service
- Practical models you can use for day-to-day decisions, not just a report to file away
Frequently asked questions
Answers to the questions we hear most often. If you can’t find what you’re looking for, get in touch and we’ll be happy to help.
How is cash flow forecasting different from the financial statements my accountant already prepares?
Financial statements report on what’s already happened. Cash flow forecasting looks forward, projecting your cash position over coming weeks and months so you can plan around it.
How often should I update my cash flow forecast?
It depends on your business, but monthly is common for most businesses with meaningful cash flow risk, moving to weekly during tighter periods or major transitions.
Can you help if my bookkeeping isn't up to date?
Yes, though we’ll usually need to get your records current first. An accurate forecast depends on reliable underlying data.
Is this only for businesses in financial difficulty?
No. Cash flow advisory is just as valuable for growing businesses managing hiring or expansion decisions as it is for businesses navigating a tight period.
Do you provide a one-off forecast or an ongoing service?
Both are available. Some clients want a single forecast to support a specific decision, others prefer an ongoing arrangement with regular updates and check-ins.
What information do you need from me to build a forecast?
Typically recent financial statements, bank statements, and details of any known upcoming changes, such as new staff, loan facilities, or large contracts.
Can this help with a loan or finance application?
Yes. A clear, well-supported cash flow forecast is often exactly what lenders want to see alongside a finance application.
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