Cashflow and Finance

An insight into our broad range of real-world finance skills, earned during years of working in business as financial controllers, finance directors and CFOs.

True cash-costs

The single biggest enabler of opportunity-based growth is connecting true cash costs to a configuration, quote or tender-pricing tool. This can be a quick project. It involves investigating your costs and discovering true variable and overhead costs, understanding the correct time horizon based on the decision timescale of your customers, and some tools which provide margin insight wide into the organisation (Excel is usually great for this). It's incredible what a difference this can make when facing a fast-changing market.

Financial projections and models

We've made countless financial projections and models for hospitality, logistics, professional and medical services, manufacturing, online retail and online services.

Our models are always scenario-based and linked to a few drivers for easy "what-if" analysis. We produce integrated multi-year cashflows, P&Ls and Balance Sheets, and the models are always developed and signed off by a qualified accountant (CPA or CA). We produce projections for government permits, grants, skilled migration, loan applications and equity raising. Our models are tuned to the target audience; the requirements differ. Our models are closely tailored to the specifics of each business: the outcome is standard.

For situations where the model needs to influence sophisticated readers, we spend time developing drivers and scenarios which are influenceable and closely linked to the specific market and competitive differentiation of the business. Our experience in raising equity and debt for SMEs means we know what we're doing.

For business owners looking to steer their business towards profit and cashflow targets, our approach is the first step to managing the business on the handful of indicators which really matter.

For regulatory requirements such as government permits, licences and skilled visa requirements, our approach is more conservative and traditional.

ATO GST Audits

GST audits are highly reliant on data presentation. Our ability to rapidly find, processes and consolidate data across multiple databases such as MYOB combined with our tax experience can earn big remissions (98% in one large audit).

Bank Covenant Reporting

Is your bank concerned about pending covenant breaches? We can help build confidence via good three-way cashflow forecasting, corrective plans and analysis proposed in a way bank risk-management appreciates.

Simplified Forecasting (one-page forecasting)

Today's business environment produces a lot of information. SMEs tend to focus too much irrelevant details, and there is too delay in vital information. Successful large companies have been dealing with information overload for years. They know the solution is to simplify, which brings focus, speed and releases finance people to focus on decisions affecting the future. We can quickly introduce radically simplified and faster forecasting & reporting using basic technologies you already have.

Make-or-buy analysis, Capital investment decisions

With years of global experience in manufacturing ranging from metal working to processes at the edge of quantum physics and with large-scale supply chain and sourcing restructures, GrowthPath offers highly effective support for make-or-buy, investments and M&A decisions. Our decision making-models are closely linked to key influenceable factors. Our work is based on a very strong understanding of theoretical financial concepts which is convincing to potential investors, but the tools are designed to be used by busy board members and directors.

Pre-acquisition and divestment preparation

If you're planning to sell your business or divest part of it, talk to us about preparing the business properly to maximise your result. We will help make sure the buyer's due diligence process runs smoothly and avoids surprises, and we're experienced at preparing results and forecasts to increase your price.

Tender pricing and profitability analysis

GrowthPath's Tim Richardson has quoted and managed the profitability of global contracts with large retail chains, including very complex discount structures, and large contracts with government bodies and utilities. He is an expert in developing tools and methods to deliver razor-sharp pricing very quickly, which has proven to be a vital edge in winning good business.

Closing speed increases

Billion dollar companies get month-end results only a few days after month-end. That's mainly because they want to; getting there is a process of introducing efficiencies, automation, strict rules about cutoffs, and eliminating irrelevant activities.

Why bother?  There are two huge benefits. Total reaction time of the business improves dramatically. Perhaps the biggest benefit to a fast closing is the allocation of your accounts team to focus on the future. If it takes two weeks to close, that's half of the team's total capacity spent on looking backwards, a huge loss.

Bookkeeping, Payroll and Business Support

GrowthPath has two bookkeepers. One is very experienced with MYOB, large SMEs and substantial payrolls. The other is strong in the cloud accounting packages Saasu and Xero, and is more suited to smaller businesses. They operate under supervision of registered tax agents and legally allowed to offer BAS-related services.