Free guides made for real businesses like yours.
Starting strong means thinking ahead. When you're building something from the ground up, understanding and managing your cash flow isn't optional — it's essential. Here's how you keep the heartbeat of your business steady from day one.
Forecast your income and expenses with honesty and clarity. Include everything: rent, wages, marketing, software subscriptions — and even the coffee budget. Being overly optimistic might feel motivating, but realistic projections will keep you grounded and in control.
Use accounting software or spreadsheets to track your inflows and outflows daily or weekly. This visibility helps you respond quickly to shortfalls and celebrate small wins. Stay agile, not reactive.
Work lean while you're still growing. Share workspaces, outsource selectively, and only invest in essentials. Every pound you don’t spend unnecessarily extends your runway.
Unexpected costs always crop up — tech fails, invoices get delayed, or suppliers raise prices. Set aside at least 3 months of essential expenses if you can. Peace of mind is power.
Don't delay billing your clients. Set clear payment terms, send invoices promptly, and follow up the moment they're overdue. Getting paid on time keeps your cash flowing and your lights on.
Cash flow isn’t just about spreadsheets — it’s about staying in control of your business journey. Implementing these strategies will help you build a solid financial foundation and keep your startup moving confidently forward.
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Control and visibility. The earlier you start tracking money in and out, the better your decisions will be. Use software or spreadsheets, and check your figures weekly — not just at month-end.
Aim for 3 months of essential expenses if possible. This protects your business from delayed payments, rising costs, or sudden emergencies — all of which are common in the early stages.
Include rent, payroll, software, licenses, marketing, equipment, and professional services. Don’t forget small recurring costs like mobile plans or tools — they add up fast.
Send invoices immediately, use online payment links, and set strict payment terms. Following up within 24–48 hours of overdue invoices often speeds things up dramatically.
Book a free consultation with our accounting experts. We’ll help you map out a clear financial plan and optimise your cash flow for growth.