Cash-Flow Forecasting · Central London
Cash-flow forecasting in Cheap
If your Cheap business is growing, seasonal, stock-heavy or carrying debt, cash is the constraint, not profit. Our forecasts put every VAT quarter, PAYE payment, loan instalment and Corporation Tax date on the calendar alongside what customers will actually pay and when, for businesses across Central London, with scenarios for the things that might go wrong.
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 Cheap
Businesses in Cheap 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 Cheap, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
Why Cheap businesses file with IGI
No hourly rate and no surprise invoice. Cheap clients know the fee for cash-flow forecasting before they send a single document, and it stays fixed.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Cheap get reminders at 60, 30 and 7 days before each date that applies to cash-flow forecasting.
We serve Cheap remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for cash-flow forecasting.
A named person handles your cash-flow forecasting from Cheap and knows the file, so you are not re-explaining your business to a different helpdesk each time.
Plain English, with the numbers. Every draft for Cheap comes with a short explanation of what the figures mean and what, if anything, you should do about them.
You stay in control of cash-flow forecasting: drafts go to Cheap clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Cheap
Cheap is in Central London, within City of London, in the EC2V postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| City of London | 0.1 mi | E |
| Cheapside, City of London | 0.1 mi | SE |
| Guildhall, City of London | 0.1 mi | NE |
| Bassishaw | 0.1 mi | NE |
| Bread Street, City of London | 0.2 mi | SW |
| Cordwainer | 0.2 mi | SE |
| St Paul's, City of London | 0.2 mi | SW |
| Mansion House | 0.2 mi | S |
Worth knowing
Rules that come up in this work
Crypto records and reporting
HMRC treats cryptoassets as property. Swapping one token for another, spending crypto or gifting it are all disposals for Capital Gains Tax, and staking and lending rewards are income. Gains are computed under pooling rules with same-day and 30-day matching. From 2026 HMRC receives data from exchanges worldwide under the Cryptoasset Reporting Framework, so unreported activity is increasingly visible.
Confirmation statements and identity verification
Companies House has tightened its requirements under the Economic Crime and Corporate Transparency Act: every company needs a registered email address and an appropriate registered office, every statement includes a lawful-purpose declaration, and every director and PSC must verify their identity. The confirmation statement, due annually with a £50 fee, is where most of this is confirmed.
The 60-day property CGT return
Selling UK residential property that was not your main home for the whole period of ownership triggers a separate Capital Gains Tax return, due within 60 days of completion along with payment of the tax. This is in addition to the annual Self Assessment. The gain is taxed at 18% or 24% depending on your income band, after the £3,000 annual exempt amount.
CIS deductions
CIS turns construction subcontractors into advance taxpayers: a fifth of every labour payment goes to HMRC before they see it. Registering keeps the rate at 20% rather than 30%; gross payment status, for established businesses with a clean record, removes deductions altogether. The annual return is where the overpayment comes back, and filing it early brings the refund sooner.
Record keeping
Good records are the difference between a quick enquiry and a long one. For the self-employed, five years after the filing deadline; for companies, six years from the year end; for VAT, six years. Photographs of receipts, PDF statements and software exports all count. The requirement is to keep records, not paper, and a well-organised cloud folder satisfies it.
Allowable expenses
Expense claims are where a return is won or lost in an enquiry. The test is wholly and exclusively for the trade; where a cost is mixed, the business proportion can be claimed if it can be identified. Capital items such as equipment and vans are relieved through capital allowances rather than as expenses, except under the cash basis where they are simply deducted when paid.
Employer National Insurance
Since April 2025 employer National Insurance has been 15% on earnings above a £5,000 secondary threshold, a substantial increase for small employers. The Employment Allowance rose to £10,500 at the same time to soften it for the smallest businesses. Directors deciding their own salary weigh this cost against the Corporation Tax deduction a salary provides.
Questions
Cash-Flow Forecasting questions from Cheap
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 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.
Why do forecasts usually go wrong?
Three reasons: they assume customers pay on the due date, they forget tax dates, and they are never updated. We model actual payment behaviour from your history, place VAT, PAYE, Corporation Tax and Self Assessment payments on their real dates, and offer the refresh retainer so the forecast stays current.
Do I need bookkeeping with you to have a forecast?
No, but the data must exist. We build forecasts from any reasonably kept accounting file plus bank data. If the bookkeeping is behind, we say so first, because a forecast built on stale records is worthless. Clients in our bookkeeping service have the data ready by default.
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.
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.
Do you have an office in Cheap?
No. IGI Accounting is an online-only firm. We serve Cheap 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 Cheap as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is cash-flow forecasting in Cheap really the same price as elsewhere?
Yes. The fee published on this page is what a client in Cheap 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.
Ready to fix your fee in Cheap?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.