Cash flow clarity that helps you plan, grow & stay in control.
Cash flow issues build over months of unclear numbers, unpredictable timing, and decisions made without real financial insight. At Square Penny, we give you the structure, reporting, and guidance needed to understand your money, predict what’s ahead, and plan with confidence.
Cash flow management & budgeting that turns your numbers into decisions.
Through clear communication, tailored reporting, and proactive guidance, we help you shift from reactive decision-making to confident financial control.
Budget creation & management
A tailored budget built around your goals, margins, and operating rhythm.
Cash flow analysis & diagnostics
We break down where your cash is going and pinpoint the real causes of shortages or volatility.
Profit margin review
We analyse your margins to identify leaks, pricing issues, and opportunities to strengthen profitability.
Financial performance reporting
Custom reports that translate complex data into insights that are easy to understand and act on.
Forecasting (short-term & long-term)
Clear visibility of what’s ahead so you can plan for peaks, troughs, and upcoming commitments.
Trend & scenario analysis
We model different business scenarios to help you make confident decisions before committing.
Strategic guidance & recommendations
Ongoing advice to help you navigate cash flow challenges, growth decisions, and financial planning.
Industry-specific insights & benchmarking
We compare your performance against norms to highlight strengths and improvement opportunities.
A strategic partnership – not just spreadsheets & reports.
Most consultants deliver reports and leave you to interpret them. We take a hands-on, collaborative approach that turns financial data into strategy you can act on.
Collaborative, advisor-level partnership
Clear reporting that translates numbers into decisions
Proactive monitoring & early issue detection
Tailored forecasting aligned to your goals
Stop the costly cash-flow mistakes that choke your business and stall growth.
Most small businesses are hit with the same preventable cash-flow issues – delayed invoicing, poor forecasting, and unclear payment processes. We fix these at the source so your numbers stay accurate, predictable, and stress-free.
No clear understanding of cash movements
Owners know profit but not timing – leading to cash shortages when bills fall due.
Budgets that don’t reflect reality
Budgets built once and never adjusted, making planning unreliable and disconnected.
Guesswork instead of forecasting
Decisions made without visibility into future cash peaks and troughs.
Missed trends & warning signs
Issues only surface when they become emergencies, instead of being caught early.
Compliance doesn’t have to be stressful – we handle the heavy lifting.
Predictable compliance, smooth month-ends, and zero last-minute panic.
Clean, current records
Numbers are always up to date.
Simple systems
Clear processes and repeatable workflows.
Prevent bottlenecks
Automated reminders and consistent check-ins.
Deadline ownership
We track, remind, and lodge on time.
Smart technology
Xero + automation for accuracy and speed.
Plain-language explanations
So you always understand what’s happening.
Early issue detection
CFO-level oversight where needed.
Proactive communication
No chasing, no wondering.
A smooth, structured start that removes the guesswork.
Confidence from day one – with no disruption to your operations.
Technology that makes your bookkeeping smarter & more efficient.
Your financial systems run smoother because we use trusted, industry-leading platforms designed for accuracy, compliance, and efficiency.
Ready to take control of your cash flow & financial direction?
One conversation is all it takes to uncover issues, access expert guidance, and build a financial plan you can trust.
Spot the gaps before they cost you.
Get our free SME Financial Health Checklist – a 12-point guide every business owner should review before the next BAS quarter. Quick, practical, and created by CFOs who know what growing businesses really need to stay on top of their numbers.