Financial Forecasting Services
Accountant-reviewed financial forecasts for UK startups and growing businesses — built on your assumptions, presented in a format lenders, investors and boards expect.
What we do
Forecasts built with an accountant, not a template.
A financial forecast sets out what your business expects to earn, spend and hold in cash over a future period — usually 12 to 36 months. We build the model with you, challenge the assumptions behind it, and review the numbers for arithmetic and tax accuracy before you send it anywhere.
We work with businesses across the UK, remotely and in person from our Essex base. If you also need ongoing numbers rather than a one-off model, our Virtual Finance Director service covers monthly management accounts and rolling cash flow.
- Monthly profit and loss projection with clear revenue drivers
- Monthly cash flow forecast, including VAT and payroll timing
- Opening balance sheet and working capital requirement
- Startup costs and total funding requirement
- Break-even point and margin analysis
- Base, upside and downside scenarios with sensitivity
Who it's for
Who typically asks us for a forecast.
Startups and new limited companies
First-year projections for a new venture, often alongside a business plan or funding pitch.
Business loan and funding applicants
Owners preparing a set of figures to support a bank, alternative lender or grant application.
Growing owner-managed businesses
Businesses hiring, taking on premises or investing in equipment and needing to see the cash effect first.
Businesses under cash pressure
Where the immediate question is whether cash covers VAT, payroll and supplier payments over the next few months.
Choose the right page
Three focused forecasting services.
Business loan financial forecasts
Projections structured around a lending application, including repayment modelling and affordability. See our business loan forecasts page.
Startup financial forecasts
First-year and three-year projections for a business with no trading history. See our startup forecast page.
Cash flow forecasting
Short and medium-term cash visibility for a trading business. See our cash flow forecasting page.
Ongoing advisory
Monthly management information and a rolling forecast, rather than a single model.
How it works
Our process, start to finish.
Initial call
A short call to understand the business, the purpose of the forecast, the audience and your deadline.
Scope and fee
We confirm the deliverables and quote a fixed fee for the work. Fees are bespoke because the effort varies with complexity — there is no standard price list.
Assumption gathering
We collect your pricing, volumes, staffing plans, overheads, capital spend and any existing accounts or bookkeeping data.
Model build
We build the monthly P&L, cash flow and balance sheet, with VAT, employer costs and any loan repayments modelled explicitly.
Accountant review
A qualified accountant reviews the model for internal consistency, tax treatment and realism of the assumptions.
Walkthrough and handover
We talk you through the figures so you can defend them, then hand over the model and a written assumptions summary.
Deliverables
What you receive.
- Monthly P&L for 12 months, with annual summaries for later years
- Monthly cash flow forecast and closing cash position
- Projected balance sheet and working capital position
- Funding requirement and use-of-funds summary
- Break-even analysis by month and by revenue stream
- Written assumptions log so every figure can be traced
- Scenario tab covering base, upside and downside cases
- A walkthrough call so you can present the numbers yourself
Assumptions and limitations
What a forecast can and cannot do.
- A forecast is a model of expected performance based on assumptions you provide and we review together. It is not a prediction, a guarantee or a valuation.
- We do not approve lending decisions and cannot promise that any lender, investor or grant body will accept a forecast or provide funding.
- Accuracy depends on the quality of the underlying information. Where data is missing or uncertain, we say so in the assumptions log rather than filling the gap silently.
- Forecasts date quickly. Most businesses benefit from revisiting the model quarterly, or whenever pricing, staffing or funding changes materially.
- Tax figures in a forecast are estimates based on current rates and the information supplied; they are not a substitute for a tax computation or filing.
Common Questions
How much does a financial forecast cost?
Fees are quoted after an initial call, because the work varies considerably — a single-product startup model is very different from a multi-site business with several revenue streams. We agree a fixed fee in writing before starting, so there are no hourly surprises.
How long does it take?
Typically one to two weeks from receiving your assumptions and any historic figures. If you have a lender or investor deadline, tell us on the initial call and we will confirm whether it is achievable before you commit.
Do I need to be an existing client?
No. We prepare forecasts as standalone pieces of work for businesses anywhere in the UK, whether or not we handle your accounts, VAT or payroll.
What information do you need from me?
Your expected pricing and sales volumes, staffing plans, overheads, any capital purchases, funding already in place, and — if you are trading — recent management accounts or access to your bookkeeping software.
Will the forecast get my loan approved?
No forecast can guarantee that. What a well-prepared, accountant-reviewed forecast does is present your figures clearly and consistently, with assumptions a lender can interrogate. The lending decision remains entirely with the lender.
Do you use Excel or accounting software?
Models are usually built in a spreadsheet so you own and can update them. Where you use Xero or FreeAgent, we can align the forecast structure with your chart of accounts to make later comparison straightforward.
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Talk through what your forecast needs to show
Tell us who the forecast is for and when you need it. We'll confirm the scope and a fixed fee before any work starts.