03 · Cash Flow & Working Capital

Cash flow is oxygen. Protect it.

Profit keeps the score. Cash flow keeps you in the game.

PBS helps owners improve cash flow, release working capital and strengthen financial control so the business can meet commitments, fund priorities and operate with confidence.

Take control of cash flowAll services
Cash flow planning and working-capital management
More cash. Less stress. A stronger business.

Our purpose

Make cash visible, manageable and deliberate.

We help you understand the real cash position, anticipate pressure and install the disciplines required to improve liquidity. The aim is not simply to survive the next payment date, but to build a business that can meet commitments and make decisions with greater confidence.

Signs cash flow needs attention

  • Cash is constantly tight even when sales appear strong
  • Debtors are slow, disputed or regularly overdue
  • The business depends on the overdraft to keep operating
  • Stock absorbs too much cash or moves too slowly
  • Bills and commitments are difficult to keep up with
  • There is no dependable rolling cash-flow forecast

Where cash gets tied up

Find the pressure. Release the cash.

Select an area to see the practical controls and improvements PBS can help put in place.

01

Debtors

Turn completed work and sales into cash sooner.

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  • Faster and more accurate invoicing
  • Clear credit terms and customer limits
  • Structured follow-up and collection routines
  • Dispute and query resolution
  • Measures for debtor days and overdue exposure
02

Stock

Release cash trapped in excess, slow or poorly controlled inventory.

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  • Stock-level and demand analysis
  • Slow-moving and obsolete-stock action plans
  • Ordering, counting and variance controls
  • Stock-turn and availability targets
  • Reduced wastage, shrinkage and unnecessary buying
03

Creditors

Pay suppliers deliberately while protecting continuity and relationships.

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  • Prioritised payment planning
  • Supplier-term and discount review
  • Consistent approval and payment controls
  • Negotiation of realistic arrangements where required
  • Better alignment between receipts and commitments
04

Cash Conversion

Shorten the journey from spending money to receiving it back.

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  • Map the complete order-to-cash cycle
  • Identify delays, handovers and avoidable waiting time
  • Improve work-in-progress visibility
  • Align purchasing, production, delivery and invoicing
  • Measure and shorten the cash-conversion cycle
05

Funding & Liquidity

Create headroom and approach funding from a position of better information.

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  • Short- and medium-term liquidity planning
  • Overdraft and finance-cost review
  • Funding requirement and affordability assessment
  • Bank-ready forecasts and supporting information
  • Stronger communication with banks and funders

How PBS can help

From urgent pressure to lasting control.

01

Analyse

Identify what is affecting cash, where money is trapped and which risks require immediate attention.

02

Plan

Build a practical cash-flow plan with clear actions, owners, timing and realistic assumptions.

03

Improve

Implement changes that strengthen inflows, control outflows and reduce the working capital tied up in the cycle.

04

Control

Introduce forecasts, approval disciplines, reporting routines and early-warning measures that keep cash visible.

05

Monitor

Review performance regularly, compare actual cash with plan and adapt quickly as the business changes.

The benefits

More resilience. More confidence. More choice.

01

Improved liquidity and a more dependable cash position

02

Less owner stress and stronger day-to-day control

03

Working capital released from debtors, stock and inefficient cycles

04

Better-informed discussions with banks and suppliers

05

Greater confidence to meet commitments, invest and grow

“Cash flow does not improve by accident. It improves through visibility, design and discipline.”

PBS Global · Purpose Beyond Success

Take control of cash flow

More cash. Less stress. A stronger business.

Begin with a confidential conversation about the immediate pressure, the cash cycle and the controls the business needs next.

Talk to PBS today →