Cash Flow Management
Profitable businesses still fail when they run out of cash. We forecast your cash needs, find the money tied up in receivables, inventory and payables, and help you plan for slow seasons before they arrive.
How Nelson & Associates handles Cash Flow Management
Cash flow is about timing. Customers pay late, suppliers want to be paid early, inventory sits on shelves and tax payments come due in lumps. A cash flow forecast shows when shortfalls are coming so you can act early, whether that means changing payment terms, arranging a line of credit or delaying a purchase.
We analyze your cash conversion cycle, tighten billing and collection processes, review pricing and costs and set up a simple forecasting routine you can maintain. For seasonal South Florida businesses, from hospitality to import and export, planning around the calendar is essential.
Who this is for
- Growing businesses that feel cash-strapped despite profits
- Seasonal businesses in tourism and hospitality
- Contractors and companies with long receivable cycles
- Importers and distributors carrying inventory
- Businesses applying for credit lines
- Owners who want to stop worrying about payroll week
Everything covered in our Cash Flow Management service
- 13-week and 12-month cash flow forecasts
- Accounts receivable aging review and collection process
- Payables timing and vendor terms review
- Inventory and working capital analysis
- Line of credit sizing and lender preparation
- Tax payment planning, including estimates
- Break-even and margin analysis
- Simple monthly cash reporting
The paperwork behind Cash Flow Management
| Cash flow forecast | Expected receipts and payments by week or month |
|---|---|
| A/R aging report | Unpaid invoices grouped by how overdue they are |
| A/P aging report | Bills due and their timing |
| Break-even analysis | Sales needed to cover fixed costs |
| Working capital ratio | Current assets compared to current liabilities |
What we’ll need from you
Have these ready and your first meeting goes faster. Missing something? We’ll help you find it.
- Bank statements for the last 12 months
- Current A/R and A/P aging reports
- Profit and loss and balance sheet
- Loan and lease payment schedules
- Upcoming major purchases or projects
How it works, step by step
Measure
We map where your cash comes from and where it goes.
Forecast
We build a forecast that shows gaps before they happen.
Fix
We recommend changes to billing, terms, pricing and spending.
Monitor
We update the forecast regularly and track results.
Why clients choose us for Cash Flow Management
Small firm personality
You work with the same people every month, and they know your business.
Big firm capability
CPA-level reporting, controls and tax insight for growing companies.
Florida rules handled
Sales tax, reemployment tax, annual reports and property tax on one calendar.
Global business experience
Experience with companies trading across the U.S., Latin America and Europe.
Cash Flow Management across the United States
From our Doral office we provide Cash Flow Management to clients in all 50 states and Washington, D.C. Hover over a state to see its tax profile and the cities we serve; tap it to open the state page.
Services clients often pair with this
Part-Time CFO Services
Senior financial leadership on a part-time basis: budgets, forecasts, KPIs, lender relationships and strategic decisions.
Learn more Business Accounting & AdvisorySmall Business Accounting & Bookkeeping
Monthly bookkeeping, reconciliations and financial statements that keep your business accurate, tax-ready and easy to manage.
Learn more Tax Preparation & PlanningTax Planning
Proactive, year-round strategies that legally reduce what you owe before the year ends, for individuals, owners and families.
Learn more Audit, Forensic & LitigationInternal Controls
Design and review of internal controls that protect assets, prevent fraud and make financial reporting reliable.
Learn moreMore in Business Accounting & Advisory
Cash Flow Management FAQs
5 answers to the questions clients ask most. Don’t see yours? Ask us directly.
How far ahead should I forecast cash?
A rolling 13-week forecast is the most useful for day-to-day decisions, paired with a 12-month view for planning.
How can I get customers to pay faster?
Clear terms, prompt invoicing, electronic payment options, deposits for large jobs and consistent follow-up. We help you set up the process.
Should I get a line of credit?
Often, yes, ideally before you need it. We help you size it and prepare the financials a bank will want.
Can tax planning help cash flow?
Yes. Spreading estimated payments correctly and timing deductions can smooth large tax payments.
Do you offer Cash Flow Management outside Florida?
Yes. Our office is in Doral, Florida, and we work with clients across the United States and abroad through secure uploads, phone and video meetings and e-signatures. South Florida clients are welcome to meet with us in person.
Talk to a CPA about Cash Flow Management.
Your initial consultation is free. Call us, email us or visit our Doral office, and we’ll tell you exactly what you need and what it will cost.