Predicting cash flow, managing working capital and building strong lender relationships

Predicting cash flow, managing working capital and building strong lender relationships

Running out of cash is one of the surest ways to halt a business’s progress. At The Finance Team, predicting cash flow is at the heart of sound business management. Whether you’re a small startup or a well-established company, getting a firm grip on cash flow from the outset is non-negotiable. 

One of the most critical control mechanisms in this regard is a well-prepared cash flow projection. This allows for clear visibility over where the cash is coming from and which payments are on the horizon.

Predicting cash flow: ensuring predictability and insight


Cash flow forecasting isn’t just about knowing when your next payments are due—it’s about ensuring predictability. No business owner wants surprises when it comes to their finances. With The Finance Team’s experienced Financial Executives, you can expect meaningful insights into your cash flow. Our experts help you assess potential cash flow shortages early, giving you time to mitigate them and seize growth opportunities when they arise. In collaboration with your Financial Manager or Chief Financial Officer, we ensure you have all the tools needed to steer your business towards success.

Managing working capital: the key to unlocking cash

Working capital is often the most overlooked component of a business’s financial health. It directly influences whether your company generates or absorbs cash while conducting day-to-day operations. The ability to manage working capital effectively is what keeps the cash flow running smoothly and the business alive. At The Finance Team, we emphasise proactive working capital management. We help reduce the amount of cash tied up in the cycle—from the moment you receive an order to the time you get paid by your customers.

Without proper working capital management, businesses can become starved for cash. This, more than profit, is what determines whether businesses in South Africa survive or fail. Our Financial Managers and CFOs have extensive experience in optimising working capital cycles, freeing up cash to be used where it matters most. When working capital is properly managed, your business can focus on sustainable growth rather than constant cash struggles.

Lender relationships: navigating the complex banking landscape

In a post-2008 financial world, maintaining strong relationships with lenders is more challenging than ever. Many business owners find the process of securing banking facilities to be exhausting and frustrating. Building relationships with the right people at the bank is critical, but it requires time, expertise and a strategic approach.The Finance Team: giving your business financial leverage

This is where The Finance Team comes in. Our Financial Managers and CFOs have spent years developing close relationships with major financial institutions. These relationships enable us to negotiate favorable terms for our clients, giving your business the financial leverage it needs to thrive. Additionally, having an independent financial expert on your side adds credibility to your financial projections, boosting confidence from lenders and securing better outcomes.

At The Finance Team, we understand that cash flow, working capital management and lender relationships are interdependent. Together, they form the bedrock of financial stability. Our part-time and interim Financial Executives are here to provide the insight and expertise needed to manage these elements, helping businesses not only survive but thrive in today’s competitive landscape. Whether you’re looking to optimise cash flow, streamline working capital, or navigate the complex world of banking, our team is equipped to help you every step of the way. Contact us here today.

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