Cash Flow Forecasting for Small Business Sydney
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Miroslaw Zawadka
We’ve been working with Rafal for the past two years, and I couldn’t be happier with his services. He’s incredibly reliable, always professional, and takes the time to explain things in detail. One of the best parts is that he speaks both Polish and English, which makes communication a breeze. Highly recommend him for anyone looking for an experienced and trustworthy accountant!
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Damian Liszka
I have been using the Tax Accounting Group for over one year. I am very pleased with the professionalism of Rafal’s services. He is very knowledgeable and has a lot of passion for his work. As a small business owner I highly recommend the Tax Accounting Group to anyone who wants outstanding tax services.
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Mike Daws
Raf has been taxing care of my company’s tax for the last few years. A big positive change from the previous two tax agencies I had tried. Raf takes a personal, hands-on attitude – I feel as though he treats my company accounting as though it were his own. Raf is extremely knowledgeable and helpful.
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Camellia Nguyen
It was such a relief for me to let Raf do all of my tax return in the past few years. There is alot of thing I don’t know about doing a proper tax return. Since I used Raf’s service, I received a much bigger return that I had previously. One less thing to worry about every financial year: check!
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Cuba Daniel
I’ve been through several different accountants in the past and no other accountant put so much time and effort into understanding my family businesses including our complex family business structure than Tax Accounting Group and Raf in particular. My family had overdue returns, my businesses had messy accounts (despite paying bookkeppers) and I always felt like I was overpaying my taxes. Raf and his team not only brought all my accounts up to date and prepared all my outstanding business returns but Raf also made sure I understood what he was doing. He even found some errors in my already lodged tax returns and amended them saving me a couple of thousands! Raf is very responsive and would always promptly answer every question I had. He knows his stuff and is very easy to talk to. Thank you for your hard work!
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Adrian Taylor
I have used Raf for my personal tax returns over the past couple of years. He is extremely helpful and knowledgeable regarding the process and made suggestions on things we could claim for that my wife and I never even considered previously. I have typically taken a DIY stance when it came to tax returns prior to going through Tax Accounting Group; though this often meant i only got to claim back a couple of hundred dollars in previous years. This time i got a $3000 refund and last year $2500. So for the price I paid for engaging Raf to do my last couple of tax returns, it was worth it many times over. Definitely recommend others to use them and in doing so support this local small business.
Cash Flow Forecasting for Small Businesses in Sydney
A business can look profitable and still feel short of cash every month.
The sales are there. The work is coming in. The profit and loss report may even look healthy. But wages, GST, PAYG, super, supplier bills, loan repayments and owner drawings all arrive on their own timetable.
That is where cash flow forecasting becomes useful.
I’m Rafal Slowinski, Director of Tax Accounting Group Pty Ltd. I work with small business owners in Sydney who want to understand not only what the business earned, but when cash is likely to come in, when it needs to go out and where the pressure points are forming.
This page is for the owner who is tired of being surprised by the bank balance.
Rafal’s Tax Background Changes The Cash Flow Conversation
Rafal Slowinski is a highly accomplished tax specialist and the Director of Tax Accounting Group Pty Ltd. With a robust academic foundation featuring a degree in Accounting and Tax Law from the University of New South Wales, Rafal has dedicated his career to demystifying complex tax structures for the Australian business community.
To date, Rafal has partnered with over 2,000 businesses, delivering tailored accounting solutions and sophisticated, compliant tax minimisation strategies. Known for his proactive approach, he specialises in identifying hidden efficiencies, safeguarding wealth and helping businesses solve their most critical financial and regulatory challenges.
Cash flow forecasting is not separate from taxes.
GST, BAS, PAYG instalments, payroll, super, income tax, equipment purchases, debt repayments and structure decisions all affect the timing of money. I bring those pieces into the forecast so the business owner is not looking at a simple spreadsheet that ignores the obligations sitting just around the corner.
Profit Is Not The Same As Breathing Room
Many small business owners feel confused when the accountant says the business made a profit, but the bank account balance does not reflect it.
That gap usually has a reason.
Customers may be slow to pay. Stock may have been purchased before income comes in. GST may have been collected but spent before the BAS is due. Wages may have increased. Loan repayments may require cash even though only part of the payment appears as an expense. Equipment may have been purchased at the wrong time for the cash position.
Cash flow management looks at timing.
A forecast helps show which weeks or months are likely to feel tight, which obligations are coming up and whether the business can afford a decision before the owner commits to it.
The Forecast Should Show The Pressure Dates
A useful forecast should not be vague.
It should show when money is expected to arrive, when bills are due, when wages are paid, when super needs to be handled, when BAS or tax payments may fall due and whether the business has enough cash to get through those dates.
For some businesses, a short forecast over the next few weeks is enough to manage immediate pressure.
For others, a longer view is needed before hiring staff, buying equipment, taking on a larger project, expanding stock, changing premises or preparing for a seasonal quiet period.
Cash flow forecasting for small businesses in Sydney should help the owner see the road ahead before the next payment deadline becomes urgent.
The Cash Leaks That Reports Do Not Always Explain
Some cash flow problems are easy to miss because they do not always appear clearly in a profit and loss report.
Late customer payments can make a profitable month feel weak. Owner drawings can drain available cash. GST can create a false sense of money being available. Loan repayments can reduce the bank balance faster than the profit report suggests. Stock, deposits, subscriptions, insurance premiums and annual software costs can all create timing shocks.
I review the numbers with those movements in mind.
The forecast should show what is likely to happen in the bank account, not only what the business has technically earned.
That is the difference between looking at profit and managing cash.
Cash Flow Management Accountant in Sydney
A cash flow management accountant in Sydney should help connect the forecast to business decisions.
If you are thinking about hiring someone, the question is not only whether the business can afford the wage on paper. It is whether the business can afford wages, super, PAYG, leave, quieter weeks and the timing of customer payments.
If you are buying a vehicle or equipment, the question is not only whether it may help reduce taxable income. It is about whether the cash position can absorb the deposit, repayments, running costs and the timing of tax benefits.
If you are planning to grow, the question is not only whether revenue may increase. It is about whether the business can cover the cost of growth before income catches up.
Forecasting gives those decisions a clearer financial context.
Using The Forecast As A Business Habit
A cash flow forecast is most useful when it becomes part of how the business is managed.
The forecast can be updated when invoices are paid late, new work is won, a supplier bill changes, payroll increases, GST is due, or a tax payment is confirmed. It becomes a practical planning tool rather than a document created once and forgotten.
For some owners, the first version simply shows why cash feels tight.
The next version helps plan the next 30, 60 or 90 days.
Over time, the business can use the forecast to make calmer decisions about tax, wages, spending, pricing and growth.
Put The Next 90 Days On The Table
If you need cash flow forecasting for a small business in Sydney, start with the next period that feels uncertain.
Use the free 30-minute call to talk through cash pressure, upcoming obligations, business plans and available records. Rafal can help you understand what needs to be mapped before the forecast becomes useful.
Frequently Asked Questions
Profit and cash are affected by different timings. Unpaid invoices, GST, PAYG, super, loan repayments, stock, equipment purchases and owner drawings can all reduce cash even when the profit report looks positive.
It depends on the decision. A short forecast can help with immediate pressure over the next few weeks, while a 90-day or longer forecast may be useful before hiring, buying equipment, expanding or preparing for a seasonal slowdown.
Yes. A forecast can show whether the business has enough cash to cover wages, materials, subcontractors, deposits, GST and delayed customer payments before the larger job starts producing cash.
Recent financial reports, bank balances, unpaid invoices, supplier bills, payroll details, BAS and tax obligations, loan repayments, planned purchases and expected sales can all help build a more useful forecast.