Cash Flow Forecasting & Retentions
Forecasts that reflect how construction actually gets paid, including retentions and staged payments, so you're never caught short.
Forecasts that reflect how construction actually gets paid, including retentions and staged payments, so you're never caught short.
Contractors juggling retentions and staged payments, where money owed on paper and cash actually in the bank can be months apart. If you've ever been surprised by a tax bill or a cash gap you didn't see coming, a proper forecast that accounts for how construction payment terms actually work makes that a lot less likely.
We build your forecast around how construction payments actually land, not a simple monthly average, factoring in retention percentages, typical release timings, and staged payment schedules on live contracts. The forecast is updated regularly as jobs progress and new contracts come in, rather than produced once and left to go stale. Where a tax bill or a cash gap is coming, we flag it early enough to actually plan around it, whether that means adjusting timing, arranging finance, or simply not being surprised when it lands.
Book a free discovery call and we'll show you what a proper forecast would look like for your business.
Usually 12 months rolling, updated monthly as actual figures come in and new jobs are won, so it stays a working tool rather than a one-off projection that's out of date within weeks.
The percentage of a contract value, commonly 2.5–5%, that a client withholds until practical completion or the end of a defects liability period, which can mean cash owed to you sits unavailable for months after work is finished.
Yes. Lenders generally want to see a realistic cash flow forecast, not just historic accounts, and having one already prepared and kept current makes that conversation considerably easier.