Cash Flow Planning and Forecasting

Cash problems rarely announce themselves early. A big customer stretches payment from thirty days to sixty, a deposit-heavy job consumes materials money months before billing, the slow season lands on top of a quarterly tax payment, and suddenly a profitable business is sweating a payroll Friday. The income statement never saw it coming because the income statement does not measure timing, and timing is where businesses actually break.

Cash flow planning at Integris Accounting gives you a forward view of your bank account. We build a rolling forecast from your real receivable, payable, payroll, debt, and tax rhythms, so you see tight weeks coming with time to act rather than react. Around the forecast we work the levers: collection practices, payment sequencing, seasonal reserves, and credit arranged before it is needed, because the cheapest financing is always the kind negotiated without desperation.

Who this is for

This work is built for businesses whose cash timing is inherently rough: construction contractors floating labor and materials ahead of draws, transportation companies fronting fuel against slow-paying brokers, distributors with capital tied up in inventory, seasonal South Florida operations, and any growing company discovering that expansion consumes cash faster than profit replaces it. If you have ever been profitable on paper and anxious at the bank, you are the audience.