Your training plan:
Whether you are a start-up or an established company - the foundation of your success lies in effective cash flow management. Why? Because it is not profits alone, but the availability of cash that determines whether you are able to keep your business running.
Mit einem gut durchdachten Training plan for cash flow management kannst du finanzielle Engpässe vermeiden, strategisch planen und Investitionen gezielt steuern.
Don't worry, I realised early on that not everyone can juggle numbers. My aim is to spar with you and give you the knowledge you need to manage your own cash flow. I will provide you with a tool so that you can easily keep an eye on your business finances and cash flow forecast.
Fixed costs, variable costs and revenue - these are the three pillars on which your cash flow is based. Before we delve deeper, these terms are best explained using a practical example.
A retailer pays monthly rent for his shop. These costs remain the same regardless of whether he sells a lot or a little.
The same shop buys its goods from a wholesaler. When turnover increases, material costs also rise - so these vary.
All income from sales forms the basis of your cash flow. The better your prices and your sales strategy, the greater your margin.
In order to identify hidden problems early on, you should not only list income and expenses, but also pay attention to sales tax. Some expenses do not include sales tax, which affects your liquidity planning. Inaccurate planning can become unpleasant later on in the tax return. My tool makes liquidity analysis easier for you, as it is already set up in such a way that it simulates 3-5 years.
A company can be profitable and still fail if it becomes insolvent. This shows how important liquidity is for your business.
The three core benefits of good cash flow management:
Practical example: Imagine you are a tradesman and have large orders on the horizon. If you can take advantage of discounts on material invoices, you not only save money, but also give yourself financial leeway for larger projects.
Die Grundlage eines jeden Finanzplans ist die Analyse your current cash flow. Hier hilft dir deine Business management analysis (BWA) – ein monatlicher Bericht, der dir Einnahmen und Ausgaben aufschlüsselt. Diesen bekommst du ja von deinem Steuerberater und kannst diese mit in deine Entscheidungen einbeziehen.
Important steps in the cash flow analysis:
Most entrepreneurs underestimate how much seasonal fluctuations affect their liquidity. My tool analyses this data and helps you to create better forecasts. Of course, only if you already have this data, otherwise you have to build up your database first. This makes it all the more important to regularly maintain your data. This gives you a cash flow report without having to write a report.
Solid liquidity planning is the core of any successful cash flow management. The most important questions are: What income can you expect? What expenses are coming up? Are there any unexpected payments that could jeopardize your liquidity?
Example from practice: An online shop is planning a discount campaign to boost sales. At the same time, however, there is a large delivery of goods that needs to be paid for. Without well thought-out planning, cash flow could quickly slip into the red.
Talk to your suppliers about longer payment terms.
Use my tool and continuously enter your data to recognise liquidity gaps at an early stage.
Consider where it makes sense to pay invoices more quickly in order to receive the discount.
A successful entrepreneur doesn't just think about the big expenses such as rent or salaries, but also about the little things that are often overlooked.
The 5 most important points of detailed planning:
To strengthen your liquidity, it is essential to reduce unnecessary expenditure. Ask yourself:
Example: Digitalisation allows you to automate many processes and save not only time but also money. A good tool can show you where you can make savings without losing efficiency.
With my framework, you have a powerful tool at your fingertips that will help you to continuously improve your financial strategies and thus operate successfully on the market in the long term.
Effective cash flow management not only ensures stability, but also creates room for growth. With the training plan, you will become fit and able:
Of course, there are hurdles that arise in practice. Since my tool is not theoretical but based on practice, I am aware that a lot of data can simply be missing. Therefore, just like with a training plan, you have to keep working until it runs smoothly. Here I will help you in sparring with my experience to make the unknown as "known" as possible. This way you can build up liquidity reserves in no time at all.
A solid cash flow is more than just a number - it's the heart of your business. With this training plan, regular analyses and my practical tool, you'll be fit for the next rounds and even for solvency audits - should they enter the ring.
Start now and reap the benefits of a well-planned cash flow for your company!
The training plan will be presented to you, we will adapt it and I will help you to find your rhythm and provide support if necessary.
Developed to help quickly and effectively.
In use since 2023 and continuously maintained and expanded since then
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Yes, that's right. Even though many platforms demonize Excel, it offers many advantages - e.g. easy error detection in your planning
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