If a business does not forecast cash flows it runs the risk of having no money in the bank. Without money it cannot pay anyone. Not the staff or the landlord, nor the utilitiy companies or the tax authorities. In the same way that a car cannot run without fuel, a business cannot run without cash.

Small business owners are specialists in their field, such as electricians, plumbers, writers or retailers. Many do not find it easy to work with money and spend too little time on cash flow planning. It is often left to chance whether there will be enough in the bank at the end of the month.

That might not be too much of a problem for a sole trader working from home. But it becomes a major risk for a small business renting premises or employing staff. These are the businesses that need to have good cash flow forecasting processes in place if they are to survive in a downturn.

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