Business Advisory
Financial analysis
Profit, cash and working capital move on different clocks. We analyse the financial position behind a business, and model what happens under different decisions, so owners can act before the numbers force them to.
What it is
Financial analysis looks at the P&L, the balance sheet and cash flow together. It asks where cash is tied up, how quickly sales turn into cash, how much headroom the business has and how sensitive the result is to a few key variables.
Forecasting and scenario analysis then turn that picture into decisions: how much growth the business can fund, what a change in payment terms is worth, and what would happen if a large customer paid late or left.
Commercial and financial analysis. Not a statutory audit, legal opinion or regulated investment advice.
When it is useful
- The business is profitable but cash is tight
- Growth is consuming more working capital than expected
- You are planning a significant investment or expansion
- You need a forecast a lender, partner or board can rely on
- Payment terms with customers or suppliers are changing
- You want to understand the downside before committing
What we analyse
Scope is agreed up front; not every engagement needs every area.
P&L and margins
Where profit is made, and how it is trending.
Cash flow
How profit converts (or fails to convert) into cash.
Working capital
Receivables, payables and inventory, and the cash they absorb.
Liquidity
Headroom, funding needs and timing.
Forecasting
A forward view built on explicit, testable assumptions.
Scenarios & sensitivity
What changes under different decisions or shocks.
How we work
Question
The decision the analysis needs to support.
Baseline
The current financial position, reconciled and understood.
Model
Forecasts and scenarios on clear assumptions.
Decide
Options, trade-offs and the actions that follow.
Typical situations
Illustrative situations, not client case studies.
A growing distributor running short of cash
Working capital by customer and product, and the effect of payment terms on funding needs.
An owner weighing a major investment
Scenarios for the investment against downside cases, and the headroom each leaves.
Adviser
Richard Cuaresma helps businesses make better decisions where growth, credit, cash, risk and technology intersect.
Describe the financial decision in front of you. We will tell you what we would model first.
Discuss your financial positionConfidential and without obligation.