13: Tony and Jayne’s Cashflow Transformation: Unleashing Hidden Potential with Steve’s Guidance
Steve cracked open the packet of chocolate biscuits, settled back in his chair, and smiled. “Let’s review these last three months,” he said, pride evident in his voice. Across the table, Tony and Jayne couldn’t contain their grins—they knew how profoundly their business had changed with his coaching.
Just three months ago, their business felt stagnant, weighed down by worries about an uncertain future. The thought of a thriving business seemed distant until Tony decided to bring on Steve as his business coach. And that decision opened doors they hadn’t even known existed.
The first big shift came with what Steve called the “10% Bookkeepers’ Challenge.” They examined their P&L statements line by line, scrutinizing every expense. The result? Immediate extra cash flowing in—and an even bigger realization about the silent drain of unnecessary spending that had been eating into their profits.
With newfound confidence, Tony took a brutally honest look at the business, doing a rough SWOT analysis. That transparency led him to Steve. “The best athletes have coaches—why wouldn’t I have one for my business?” he had reasoned. With Steve’s help, they tackled The Profit Chain, and suddenly, everything shifted. Conversion rates climbed, revenue soared, and profits followed—all without spending a single penny on extra marketing. Tweaking their conversion rate alone felt like uncovering a hidden treasure.
Jayne had also risen to the challenge, taking charge of a new debt collection system that Steve introduced. It was a game-changer. In just the first week, she brought in an extra £17,000! Steve’s “firm, fair, and friendly” approach turned what once felt like a chore into an empowering routine. “This week alone, I brought in another £46,000, Steve!” she exclaimed proudly.
Steve beamed with satisfaction. “You two are unstoppable,” he said. “It’s the small, steady steps that build a great business.”
Then came Steve’s latest nugget of wisdom: a 13-week rolling cashflow forecast. “Now that cash is flowing, it’s time to forecast,” he said. “But this isn’t a budget—it’s a 13-week cashflow projection. This lets you stay 13 steps ahead, tracking incoming payments from debtors and upcoming expenses from creditors. It’s your eyes on the road, helping you avoid surprises down the line.”
Tony and Jayne leaned in as Steve continued. “This spreadsheet pulls together all those numbers, giving you a real-time picture of your business health. Each week, it rolls forward another week, keeping your sights on the future. I have included a set of instructions on the cover sheet for you,” said Steve.
Their homework? To enter all the debtors and creditors into the 13-week cashflow forecast, watching as their business’s outlook took shape. “Remember,” Steve reminded them, “it’s a forecast, not a budget. The numbers will pre-populate onto the front sheet for you. We’re continually looking ahead, always 13 weeks forward.”
With the last of his coffee gone, Steve rose to leave, confident that Tony and Jayne were primed to continue their journey of growth and success. In just three months, they had transformed their business into a thriving enterprise with their eyes on an even brighter future. And Steve knew they were just getting started.
