FOR ESTABLISHED AND GROWING BUILDERS & TRADE CONTRACTORS
Stay Ahead of Cash.
Know Your Profits.
See where cash could become tight, understand which jobs protect your profit margins and know what to do next.
A practical monthly finance system for construction business owners.
THE PROBLEM
Turnover looks healthy.
The bank balance disagrees.
Construction cashflow is rarely straightforward. Labour and materials leave first. Invoices, variations and retentions can follow much later.
01
Work is coming in, cash is tight
You know the next jobs are lined up, but not what the next payroll, supplier run and VAT bill will do to the bank.
02
Busy does not mean profitable
Without reliable job data, a full order book can conceal underpriced work and costs that were never in the quote.
03
The numbers arrive too late
Annual accounts tell you what happened. You need current information to decide what to chase, change or decline.
The aim is simple: make the cash position, job margins and next decisions visible every month.
THE METHOD
Three controls.
One better-run business.
We keep the information focused on the decisions you can actually make.
01 / Cash
Look ahead, not just at the bank
A rolling 13-week cashflow view brings together expected receipts, committed costs, wages, taxes and the starting bank position.
We flag the weeks that need attention.
02 / Jobs
See where profit margin is won or lost
We review up to five active jobs against the agreed budget, with recorded costs, known commitments, variations, billings and retentions.
03 / Decisions
Turn figures into action
Monthly management accounts, scorecard and finance meeting to help you focus on the few issues that matter now.
YOUR MONTHLY RHYTHM
A finance review built for the site and the office.
Clear information at a set point each month, based on reconciled records and the latest project updates from your team.
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Bookkeeping, bank reconciliation and review of the key balances and missing information.
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Monthly management accounts, debtor position, 13-week cash view and a summary of the agreed jobs.
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A meeting focused on cash pinch points, job margin risks and an action list.
THE COMPLETE PACKAGE
Day-to-day records and forward-looking advice, together.
Every month
Bookkeeping within agreed volumes and bank reconciliations
Management accounts and a focused financial scorecard
13-week cash forecast refreshed monthly
Summary of up to five active jobs, subject to reliable job data
45-minute review and written priorities
Debtor ageing and recorded retentions review
Compliance included
Up to four quarterly UK VAT returns for one registration
One company’s annual accounts and Corporation Tax return
One straightforward director Self Assessment return
One annual confirmation statement filing
Review of CIS deductions suffered and construction reverse charge treatment on supplied records
GETTING STARTED
Build the controls in 90 days.
Days 1–30
Establish the facts
Review the ledger and data quality, agree job codes, set a starting cash position and identify the project information we will need.
Days 31–60
Make it visible
Deliver the first monthly pack and cash view, review pilot job margins and agree the first actions.
Days 61–90
Improve the decisions
Compare cash forecast with actual results, refine job estimates and examine the pricing of one completed or quoted job.
FREE FOR CONSTRUCTION OWNERS
What if one customer pays late?
Put your next four weeks of expected receipts and payments into a simple cash check. It shows your projected closing balance each week and a more cautious view if uncertain receipts slip beyond the period.
It takes a few minutes, needs no sign-up and keeps the figures in your browser.
THE QUESTIONS IT HELPS ANSWER
01 Which week has the lowest cash balance?
02 How much depends on uncertain receipts?
03 Does cash fall below the buffer you want to keep?
A four-week check is a starting point. Longer jobs and tax cycles need a longer forecast.
IS IT FOR YOU?
For owners ready to use the numbers.
You run an established UK building or trade company. The work involves several live jobs and real cash timing decisions.
You want more than a tax deadline service. You will make time for a monthly review and act on what it shows.
You can share the job information. Budgets, approved variations, costs to complete and realistic receipt dates make the analysis useful.
Not sure your records are ready?
That is what the first conversation is for. We will look at your current bookkeeping and project information, explain what the initial setup needs, and give you a scope you can assess.
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The package includes the listed accounts, tax and bookkeeping services. We can discuss a narrower advisory scope if you want to keep your existing accountant; it needs a separate quote and clear responsibilities between firms.
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The core package includes a monthly review of up to five active jobs. Reliable projected margins need current job budgets, variations and costs-to-complete from your team. Real-time tracking and detailed WIP systems are separate projects.
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We review the treatment of CIS deductions in the records we handle. Filing contractor CIS returns, subcontractor verification and payroll are separate monthly services, quoted to your volumes.
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We agree volumes and responsibilities in writing and review the scope at month three and when the workload changes materially. We discuss any fee change before extra work starts.
NEXT STEP
Find out where the cash or margin control is weakest.
Tell us about your business and we will arrange a free 30-minute diagnostic. Bring your recent figures, debtor list and two job summaries if you have them.