You know your profit.
But do you know your cash position next month?
Profit ≠ Cash
The timing gap
You can show a healthy profit and still run out of money. The gap between when you earn it and when it hits your bank account is where businesses get caught out — by VAT bills, late-paying customers, and stock orders all landing in the same week.
Surprises kill businesses
The visibility gap
A large HMRC payment, a seasonal dip, a customer who always pays late — none of these should be surprises. But without a rolling forecast, they always are. And by the time you see the problem, your options have narrowed.
Spreadsheets go stale
The freshness gap
A cash flow spreadsheet is out of date the moment you save it. It doesn't know when invoices get paid, when new bills arrive, or what your bank balance actually is. You need a forecast that updates itself.
82% of business failures involve cash flow problems — not profitability.
Source: U.S. Bank study, cited across ICAEW, ACCA, and UK Finance publications
See exactly where your cash will be — updated every night
The 13-week forecast uses your real invoices, bills, recurring costs, tax obligations, and each customer's actual payment behaviour to project your cash position. It refreshes every night from Xero or QuickBooks — no manual work required.
Refreshes every night
Data syncs from Xero or QuickBooks at 2:30am. Your forecast is always current — never stale.
Knows your customers
Uses each customer's actual payment history, not generic 30-day assumptions. If Smith & Co always pays in 45 days, the forecast reflects that.
Alerts you before trouble
Weekly summary emails and instant alerts when the forecast dips below your safety buffer. You'll never be surprised.
Cash drops below buffer: 3 weeks earlier (Week 7 vs Week 10)
Recommendation: Chase 2 overdue invoices first (£7,200)
What if you hire? What if your biggest customer pays late? Find out in seconds.
Model up to 5 different scenarios and see the impact on your cash flow instantly. No guesswork, no back-of-envelope calculations.
The people cost calculator uses real UK employer NIC rates, pension minimums, and equipment costs — then shows you exactly how it affects your cash flow.
Add one-off events to any scenario — an equipment purchase, a tax refund, a new contract — and see the ripple effect across 13 weeks.
The pessimistic scenario tells you exactly when you'd run out of cash and what actions to take now to prevent it.
Two forecast engines. One clear picture.
Most tools do short-term or long-term forecasting. Yours does both — simultaneously — so you see next quarter in detail and next year in direction.
13-Week Direct Forecast
High accuracy · Updated nightly
Uses your actual outstanding invoices, bills, recurring costs, tax obligations, and each customer's payment behaviour to project your cash position week by week. Daily, weekly, or monthly views from the same data.
3-Year Strategic Forecast
Directional · Confidence bands widen over time
Uses historical P&L trends, seasonal patterns, and working capital ratios to project where your business is heading over 12 to 36 months. Answers "will I survive next winter?" and "can I afford to expand next year?"
Self-improving accuracy — your forecast learns your business
Every night, the system compares what it predicted against what actually happened. Customer payment patterns feed back into future forecasts. Seasonal factors recalculate as new data arrives. The longer you use it, the more accurate it gets.
Just ask Chloe-AI. In plain English.
With standalone forecasting tools, you look at a dashboard and try to interpret it. With Grosvenor, you ask a question and get a specific, data-backed answer — with recommended actions.
Chloe-AI uses the same forecast engine that powers the dashboard, plus your full business data — marketplace fees, customer payment patterns, tax obligations, and more — to give you answers no chart can.
Most forecasting tools only see your accounting data. Ours sees everything.
Standalone tools like Float connect to Xero or QuickBooks — and that's it. Your Grosvenor forecast sits on top of a unified database that also holds your marketplace data, ad spend, inventory, payments, and more. That means your forecast accounts for things no other tool can see.
Amazon holds your cash for 14 days?
Your forecast knows. Settlement timing from every marketplace is factored into your cash projections.
Ad spend eating into margins?
Google and Meta spend flows into the same forecast as your revenue. You see the net picture, not just the top line.
Stock purchase due next month?
Inventory data feeds into the forecast so large stock orders don't blindside your cash position.
What a spreadsheet gives you vs what Grosvenor gives you
The forecast is the early warning system. Your accountant is the response team.
A standalone tool shows you a chart and leaves you to figure out what to do. With Grosvenor, when the forecast shows danger, there's a qualified chartered accountant who interprets the data, calls you, and walks through your options — before the problem hits.
This is what separates a forecasting tool from a forecasting service. You don't just see the numbers. Someone acts on them.
Nightly sync runs. The engine spots that cash will drop below your buffer in Week 9. An alert fires.
Not just "you're going below buffer." The cause is identified: a VAT payment, combined with three slow-paying customers.
"Here are your three options: chase these invoices, defer this payment, or arrange a short-term facility. Here's the financial impact of each."
You make the call based on your knowledge of the business. The forecast updates the next night to reflect the new reality.
Stop guessing where your cash will be.
Start knowing.
Book a free discovery call and we'll show you exactly how the cash flow forecast works — on your real data, with your actual numbers. No obligation, no pressure.
Cash flow forecasting is included in all Grosvenor plans from £149/month · Syncs nightly from Xero or QuickBooks