Cash Flow Projections For Small Businesses in St Lucia

1. What is a cash flow projection – A cash flow projection is a fore cast showing how much cash your business expects to receive and pay out over a period of time, usually monthly for 12 months. It helps you to plan ahead and avoid cash shortages.
2. Can you prepare projections for a bank loan? – Yes ,we can prepare professional cash flow projection suitable for banks, credit unions and other lending institutions in St Lucia, including clear assumptions and a clean presentation.

What information will you need from me? – You don’t need perfect records. We usually request:

. estimated monthly sales or expected income

. major expenses (rent, wages, utilities, purchases etc)

. loan payments (if any)

. any seasonal patterns ( busy and slow months)

. If you have bank statements or basic accounts, that helps.   

4. What is my business is new and I dont have any figures? – That’s Ok. For new businesses, the projections are based on realistic assumptions, markup, pricing, expected sales volume and planned expenses. This is common for startups seeking initial financing

5. How long does it take? – Most projections are completed within 3-7  business days depending on how quickly you provide the required information and how complex the business is.

6.Will the cash flow projection guarantee I will get a loan? – No projection can guarantee loan approval. However, a clear and realistic projection greatly improves how your business plan is presented and helps  the bank assess your ability to repay.

7. Can you include “best case” and “worst case” scenarios? – Yes we can provide scenario options, for example conservative, realistic and optimistic to enable you to see how changes in sales or expenses affect your cash position.

8. Will I receive an electronic file  so I can update later? – Yes, you will receive :

. a PDF version for banks or presentation.

. an EXCEL version to enable updates.

9. Can you update my cash flow projections monthly? – Yes  clients usually choose to update their projections monthly or quarterly, especially if they have loans, seasonal businesses or are planning expansion.

10. My cash flow is already tight – can this still help? – Yes, that is exactly when it helps most. A projection can show where shortages will occur and help you pplann solutions early ( expense timing, receivables  collections, pricing changes or financing)