Cash Flow Forecasting Plymouth
Know your cash position before it becomes urgent.
Most small business owners in Plymouth find out they have a cash problem when it is already a problem. A forecast tells you what is coming three, six, twelve months out — so you plan rather than react. Fixed monthly fee, ICAEW chartered, same-day replies.
- Twelve-month cash flow forecast built and kept current
- Seasonal shortfalls visible months before they arrive
- Management accounts that give you numbers worth acting on
- Strategic financial input without the cost of a full-time CFO
No long-term contract. If it is not working after three months, you leave with clean books, a current forecast and nothing owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Clear Information, Explained in Plain Terms
“Kieran was clear with information and explained everything in a way that I could understand.”
★★★★★
Switched Accountants, Already Saving Money
“Having only recently switched my business to Swift from another accountant, I have found them efficient, friendly and professional, and they’re already saving me money.”
★★★★★
Every Question Answered, One Click Away
“He was always one click away from every possible question we could throw at him.”
★★★★★
Fast Work Delivered at Short Notice
“Great work by Kieran sorting out my business accounts really fast and at short notice on multiple occasions.”
Sound familiar?
Profitable on paper, but still watching the bank account?
It is a common situation for Plymouth businesses. Revenue is coming in, invoices are going out, and yet every month there is a quiet anxiety about whether the account will cover what is due. Profit and cash flow are not the same thing — and without a forecast, you are managing one while ignoring the other. It is solvable, but it gets harder the longer the books sit behind.
- No clear picture of cash position beyond the current month
- Seasonal gaps arriving as surprises rather than planned-for events
- Business decisions made on gut feel rather than forward-looking numbers
What having a forecast actually looks like
A rolling twelve-month cash flow model updated as your books are updated. Shortfalls visible months out, not days. Decisions — hiring, equipment, stock — made with actual numbers rather than rough estimates.
- Rolling cash forecast updated monthly — no blind spots beyond this week
- Seasonal cash gaps planned for in advance, not patched in a hurry
- Growth decisions backed by numbers, not optimism
- One fixed monthly cost — no hourly billing when you ask an extra question
What Plymouth business owners say
We work with small limited companies and growing businesses across Devon and beyond. Two clients who came to us because the numbers were not telling them what they needed to know.
Swift accounting and bookkeeping services have helped support my educational animal encounter business with excellent financial advice and HMRC support. Kieran was clear with information and explained everything in a way that I could understand.
Having only recently switched my business to Swift from another accountant, I have found them efficient, friendly and professional, and they’re already saving me money! Would recommend. Nic Paton, Cormorant Media
What your monthly fee covers
Three connected services that give you a current set of books, a visible tax position, and a forward-looking picture of where your cash is going.
Cash Flow Forecasting and Modelling
A twelve-month rolling cash flow forecast built from your actual numbers and updated as your books are reconciled. You will see shortfalls and surpluses before they arrive — not after. Useful for planning hires, purchases, investment and anything else that requires knowing what the account will look like in six months.
Monthly, included in feeManagement Accounts
Monthly or quarterly management accounts so you always know where the business stands financially. Revenue, costs, margins and cash position in one readable summary — not a spreadsheet you have to interpret yourself. The numbers that make a forecast meaningful.
Quarterly or monthlyYear-End Accounts and Corporation Tax
Annual accounts and corporation tax return prepared and filed — with no surprises, because your tax position has been visible throughout the year. Companies House confirmation statement handled as part of the same fixed fee.
No extras, no surprisesBusinesses across Devon trust Swift
Sole traders, limited companies and growing businesses from Ilfracombe to Plymouth. Usually arriving with books in some state of disarray. Leaving with considerably less to worry about.
Professional and Patient Throughout Every Step
“What a guy!! Excellent, fast and reliable. Kieran has been very professional, caring, patient and efficient throughout the entire process of building our company. He was always one click away from every possible question we could throw at him.”
Prompt, Helpful and Recommended for Two Years
“I’ve been using Swift Accounting for two years now after my previous accountant retired and recommended Kieran. Excellent and prompt service, great communications and above all really helpful. Highly recommend.”
Fast Turnaround, Multiple Times at Short Notice
“Great work by Kieran sorting out my business accounts really fast and at short notice on multiple occasions. Many thanks and I would highly recommend them for all accounting needs.”
Why Plymouth businesses choose Swift
There is no shortage of accountants in Devon. Here is what tends to be different about working with one who treats cash flow as an ongoing conversation rather than a year-end afterthought.
Forecasting built into the workflow
A forecast is only useful if the numbers feeding it are current. Because the books are reconciled monthly, the forecast is updated monthly — not rebuilt from scratch every time you want to look ahead. You get a picture of the next twelve months that is grounded in what is actually happening.
Replies the same day
Questions get answered the day you ask them. Not logged, not queued, not forwarded to someone who will be in touch. If you want to know whether you can afford to take on a member of staff next quarter, you will have a considered answer before the end of the day.
One fixed monthly price
Your fee is agreed upfront and does not change based on how many times you call or how many scenarios you want to model. Cash flow questions tend to generate more questions — that is the point. None of them attract an additional charge.
Up and running in four steps
From first contact to a working cash flow model takes four steps and very little of your time. The onboarding is designed to be straightforward.
Send your enquiry
Fill in the form on this page. Kieran reads every enquiry personally and responds the same day with a clear next step. No holding message, no automated reply asking you to book a call.
A short discovery call
Around twenty minutes to understand your business, your current setup and what you are trying to see more clearly. By the end of the call you will know exactly what is included and what it costs — no follow-up proposal to wait for.
We handle the setup
Your accounting software is connected, your records are brought up to date and your cash flow model is built from real data. You confirm you want to proceed — that is largely the extent of what is required from you at this stage.
Ongoing — nothing falls through
From here, your books are reconciled monthly, your cash flow forecast is updated and you know what the next twelve months look like before they arrive. Tax is visible well in advance. The decisions that used to be made on instinct can be made on numbers instead.
“Kieran was really helpful and very knowledgeable with my circumstance, he gave me great advice and was very efficient with getting my tax’s submitted, really glad I found Swift and will definitely be using for future accounting.”
Questions Plymouth businesses usually ask first
Stop guessing what next month looks like. Know instead.
Fixed monthly fee. Rolling cash flow forecast. Books current every month. Same-day replies. No long-term contract.