Fractional CFO
See your cash coming, weeks and months ahead.
A live cash flow forecast that shows what a hire, a big invoice, a tax bill or a slow month does to your bank balance before it lands, so you can act while there is still room to act.
What's included
Your cash position, forecast and understood
- A rolling short and medium-term cash flow forecast
- Scenario modelling for hires, investment and big purchases
- Tax and VAT set aside in the forecast, never a surprise
- Clear visibility of runway and the timing of every commitment
- Regular review so the forecast stays current as things change
How we deliver this
Cash is timing, and timing can be planned
Profitable businesses still run into trouble when cash and timing are left to chance. We build a forecast that treats your bank balance as something you plan rather than watch, so the money is there when tax, payroll and stock fall due, and growth never quietly runs you out of cash.
Who it is for
Who it is for
Owners of growing or stock-heavy businesses who want to make hiring, investment and buying decisions knowing exactly what they do to cash.
See who we helpFrom clients
What clients say
“Moving to Utile completely revolutionised our business. They have made us more profitable, saved us thousands from HMRC. Anyone with an existing company or a start-up should have a conversation with them. They could change your life.”
“The adage of 'you get what you pay for' really rings true. Premium service, well worth paying a little more for peace of mind. I value my time, and Utile have given it back.”
“Came across this company a couple of years ago. Very professional and polite, accounts dealt with promptly. Fantastic value for service.”
“When we set up Bloxbase, I wanted a team that shared our values. Utile were a perfect fit. Great advice from day one, always at the end of the phone. Top team.”
“I am so happy with my new accountants. They go above and beyond. Sam, James and Ellie are all super friendly and an absolute pleasure to work with. Legends.”
“Sam and the team have been amazing helping me with my first tax return. I highly recommend Utile to any new business owners. They make everything so much simpler and stress free.”
“Setting up my business with Utile has been a very smooth process. Very efficient at handling any questions or concerns. Communication with the Utile team has been easy and difficult subjects made understandable.”
“Having struggled to find a good accountancy firm for a long time, it has been great dealing with Utile. Efficient, professional and friendly. 5 stars from me.”
“Sam at Utile was amazing. Sorted my tax rebate from start to finish in a matter of weeks. Shocked. Definitely would recommend to anybody.”
“Moving to Utile completely revolutionised our business. They have made us more profitable, saved us thousands from HMRC. Anyone with an existing company or a start-up should have a conversation with them. They could change your life.”
“The adage of 'you get what you pay for' really rings true. Premium service, well worth paying a little more for peace of mind. I value my time, and Utile have given it back.”
“Came across this company a couple of years ago. Very professional and polite, accounts dealt with promptly. Fantastic value for service.”
“When we set up Bloxbase, I wanted a team that shared our values. Utile were a perfect fit. Great advice from day one, always at the end of the phone. Top team.”
“I am so happy with my new accountants. They go above and beyond. Sam, James and Ellie are all super friendly and an absolute pleasure to work with. Legends.”
“Sam and the team have been amazing helping me with my first tax return. I highly recommend Utile to any new business owners. They make everything so much simpler and stress free.”
“Setting up my business with Utile has been a very smooth process. Very efficient at handling any questions or concerns. Communication with the Utile team has been easy and difficult subjects made understandable.”
“Having struggled to find a good accountancy firm for a long time, it has been great dealing with Utile. Efficient, professional and friendly. 5 stars from me.”
“Sam at Utile was amazing. Sorted my tax rebate from start to finish in a matter of weeks. Shocked. Definitely would recommend to anybody.”
Common questions
Cash Flow Forecasting: common questions
Your bank balance tells you where you are today. A forecast tells you where you will be in a few weeks or months, and lets you test a decision before you make it, while there is still time to change course.
We keep it rolling rather than treating it as a one-off spreadsheet. It is reviewed regularly so it reflects what has actually happened and what is coming, not last quarter's assumptions.
Yes. That is the point of it. We model the scenario, whether it is a hire, an investment or a large purchase, so you can see the effect on cash before you commit.
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