Cash-Flow Forecasting · South East
Cash-flow forecasting in Reading
Cash-flow forecasts for Reading 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 Reading
Businesses in Reading 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 Reading, 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
What you get in Reading
The price for cash-flow forecasting is published on this page and is what a client in Reading pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Reading 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 Reading 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. Reading clients message the same person throughout and get an answer in working hours, usually within a few hours.
Plain English, with the numbers. Every draft for Reading comes with a short explanation of what the figures mean and what, if anything, you should do about them.
Approval before filing is a rule, not a courtesy. For cash-flow forecasting in Reading, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Reading
Reading is in South East, in the RG1 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 |
|---|---|---|
| King's Meadows | 0.5 mi | NE |
| Coley, Reading | 0.7 mi | SW |
| Lower Caversham | 0.7 mi | NE |
| Southern Hill | 1 mi | SE |
| Caversham | 1 mi | N |
| Earley Rise | 1 mi | SE |
| Hemdean Bottom | 1 mi | N |
| Caversham Heights | 1 mi | NW |
Worth knowing
Rules that come up in this work
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
Switching accountants
You can switch accountant at any point in the year. The new firm requests clearance and your records from the old one, which cannot withhold your own documents though it may hold its own working papers until its fees are settled. Agent authorisations with HMRC and Companies House are transferred, and the next deadline is picked up without a gap.
CIS deductions
Under the Construction Industry Scheme, contractors deduct 20% from a registered subcontractor's labour invoices, or 30% if unregistered, and pay it to HMRC. The subcontractor reclaims the deductions against their actual tax through Self Assessment, usually producing a refund because deductions are on turnover while tax is on profit. Contractors file a monthly return by the 19th.
Confirmation statements and identity verification
The confirmation statement is the annual check that the public register is right: officers, registered office, SIC codes, shareholders and the PSC register. It carries a £50 fee and no financial penalty for lateness, but failure to file leads to compulsory strike-off. The identity verification regime introduced in November 2025 has added a further check to every statement.
Allowable expenses
The expenses sole traders most often miss are home working costs, claimed by actual proportion or HMRC's flat rate, the business share of phone and internet, mileage at 45p for the first 10,000 business miles, and training that maintains existing skills. The ones most often claimed wrongly are commuting, entertaining customers and clothes that could be worn outside work.
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.
Record keeping
HMRC requires records of all income and expenses, bank statements, invoices and receipts to be kept for at least five years after the 31 January filing deadline of the tax year they relate to, and companies must keep records for six years from the end of the accounting period. Digital copies are acceptable. Under Making Tax Digital the records must be kept in compatible software.
Questions
Cash-Flow Forecasting questions from Reading
How is the £199 forecast built?
From your bookkeeping and bank data, your aged debtors and creditors, your payroll, your known commitments and the tax calendar. We analyse how quickly your customers actually pay rather than when they are due, which is where most forecasts go wrong, and we document every assumption so you can change it. You receive the model and a short briefing.
What is a 13-week rolling forecast?
A week-by-week projection of cash in and cash out for the next quarter, built from your debtor book and payment patterns, your creditors and their terms, payroll, rent, loan repayments and every tax date, giving the forecast bank balance at the end of each week. It is the standard tool for managing short-term cash and is refreshed as actuals arrive.
What is the monthly refresh retainer?
For £99 a month we replace each month's forecast with the actual figures, roll the horizon forward, update the assumptions for what has changed and send you the refreshed forecast with a short note on the movements. A forecast that is not refreshed is out of date within weeks; the retainer keeps it live.
What does the 12-month forecast add?
The £349 forecast extends the horizon to a year, monthly, with three scenarios: base case, a downside with slower sales or payment, and an upside, so you can see the cash effect of the things that might happen. It includes a profit and loss and balance sheet forecast alongside the cash, and is the basis for the funding pack.
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 Reading really the same price as elsewhere?
Yes. The fee published on this page is what a client in Reading 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 Reading?
No. IGI Accounting is an online-only firm. We serve Reading 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 Reading as anywhere else in the country, and why there is nothing to visit and nothing to print.
Start the conversation from Reading
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.