Cash-Flow Forecasting · South West London
Cash-flow forecasting in Bushey Mead
Cash-flow forecasts for Bushey Mead companies that lenders, grant bodies and investors will accept. The funding pack at £299 produces the 12-month forecast, documented assumptions and sensitivity analysis in the format they ask for, and we walk you through the questions they will raise. For running the business day to day, the 13-week rolling forecast is the tool.
from £199 · fixed, per forecast
Next deadlines
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
- VAT return and payment for the quarter that ended last month
- PAYE and National Insurance for last month paid to HMRC (electronic)
Who this is for
Cash-Flow Forecasting for Bushey Mead
Businesses in Bushey Mead where cash timing matters: companies growing faster than their working capital, seasonal businesses, those holding stock or work in progress, businesses with loans or finance to service, companies applying for lending or grants, start-ups measuring runway, and any owner who has had an unexpected conversation with the bank and does not want another.
What is included
Everything inside the fixed fee
- A 13-week rolling forecast built week by week from your receipts, payments, payroll, VAT and tax dates
- A 12-month forecast with best, base and worst case scenarios and the assumptions documented
- Debtor and creditor timing modelled from your actual payment patterns rather than invoice dates
- Tax, VAT, PAYE and loan repayments placed on their real dates so nothing is a surprise
- Monthly refresh retainer: actuals replace forecast each month and the horizon rolls forward
- Funding-application pack: forecast, assumptions, sensitivities and the narrative lenders and grant bodies expect
How it works
Cash-Flow Forecasting from Bushey Mead, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
Why Bushey Mead businesses file with IGI
The price for cash-flow forecasting is published on this page and is what a client in Bushey Mead pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Bushey Mead is left to the last week. Each deadline relevant to cash-flow forecasting is tracked from the day you join, with the next four shown on every page we send you.
Online only, UK based. There is no office in Bushey Mead to pay for, which is why the fee is the same here as anywhere in England; the work is done by people in the UK who answer the same day.
You get one contact for cash-flow forecasting, not a queue. Bushey Mead clients message the same person throughout and get an answer in working hours, usually within a few hours.
The output for Bushey Mead clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for cash-flow forecasting.
Nothing is filed for Bushey Mead until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Bushey Mead
Bushey Mead is in South West London, within Merton, in the SW20 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Cannon Hill, Merton | 0.4 mi | E |
| West Barnes | 0.7 mi | W |
| Raynes Park | 0.7 mi | NW |
| Lower Morden | 0.8 mi | SE |
| Morden Park | 0.8 mi | SE |
| Merton Park | 1 mi | NE |
| Cottenham Park | 1 mi | NW |
| Malden | 1 mi | W |
Worth knowing
Rules that come up in this work
Closing a company
Striking off a company is cheap but must be done in order: stop trading, file the final accounts and CT600, pay the tax, close VAT and PAYE, distribute the remaining assets, close the bank account, then apply. Anything left in the company at dissolution passes to the Crown. Distributions up to £25,000 are taxed as capital gains; above that a formal liquidation is usually needed to keep capital treatment.
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
Making Tax Digital for Income Tax
Making Tax Digital for Income Tax began in April 2026 for sole traders and landlords with qualifying income over £50,000, extends to those over £30,000 in April 2027 and is planned for £20,000 in April 2028. It requires digital records in compatible software and four quarterly updates to HMRC each year, with a final declaration replacing the traditional return. Payment dates are unchanged.
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
Payments on account
Payments on account catch out most people in their second year of self-employment. HMRC assumes next year's tax will match this year's and collects half in January and half in July, in advance, on top of the balancing payment. If profits are dropping you can apply to reduce them, but reducing them too far attracts interest. We calculate the right figure rather than guessing.
The Self Assessment calendar
Self Assessment runs on a fixed annual cycle. Registration by 5 October following the tax year, online filing and payment by 31 January, and a second instalment on 31 July for those making payments on account. The penalties for lateness are automatic and escalate monthly, which is why we file early and chase approvals well before the window closes.
Director's loan accounts
A director's loan account records money moving between a director and the company that is not salary or dividend. If the director owes the company money nine months and one day after the year end, the company pays section 455 tax at 35.75% of the balance, refundable only when the loan is repaid. Loans over £10,000 are also a benefit in kind unless interest is charged at HMRC's official rate.
Questions
Cash-Flow Forecasting questions from Bushey Mead
How quickly can you produce a forecast?
A 13-week forecast within five working days of receiving your data; a 12-month forecast with scenarios within ten. Funding packs depend on the lender's format but typically two weeks. If you have a deadline for an application, tell us when you book and we plan backwards from it.
What happens after the forecast is delivered?
You receive the model, a briefing call to walk through it, and a written note of the assumptions and the pinch points we see. You can run it yourself from there, or take the £99 monthly refresh so we keep it live. Many clients start with a one-off forecast and move to the retainer once they see its value.
How do seasonal businesses use forecasting?
To see the trough. Seasonal businesses typically make their profit in a few months and spend the rest of the year surviving on it, with VAT and tax payments falling in the quiet period. The 12-month forecast shows how deep the trough goes and whether a facility is needed to bridge it, well before the bank does.
Can a forecast show me whether I can afford a hire or a purchase?
Yes, that is one of its main uses. We add the hire or purchase as a scenario and show the cash effect month by month, including the point at which it pays for itself if it does. Decisions that look fine on a profit basis often fail on cash timing, and the forecast shows where.
Will banks accept your forecasts?
Yes. Lenders see forecasts constantly and recognise one built from real data with documented assumptions. Grant bodies and investors likewise. We produce covenant calculations and any specific format a lender requires, and we are happy to speak to the lender with you about the assumptions.
What is in the funding-application pack?
For £299: a 12-month forecast with monthly cash flow, profit and loss and balance sheet, an assumptions schedule, sensitivity analysis showing what happens if sales fall or costs rise by set percentages, and a narrative explaining the business and the use of funds in the terms lenders and grant bodies use. We brief you on the questions they will ask.
Is cash-flow forecasting in Bushey Mead really the same price as elsewhere?
Yes. The fee published on this page is what a client in Bushey Mead pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
Do you have an office in Bushey Mead?
No. IGI Accounting is an online-only firm. We serve Bushey Mead and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for cash-flow forecasting is the same in Bushey Mead as anywhere else in the country, and why there is nothing to visit and nothing to print.
Get a fixed quote for Bushey Mead today
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.