TIFAGROWTH
Inside the 90-day programme

Cash flowand profitability.

Understand contract profitability, plan cash and improve invoicing and payment collection through a defined 90-day programme.

Discuss the programme Start the free health check ↗

A focused TIFA Growth programme for service businesses that pay for delivery before customers pay them. It brings together financial analysis and practical changes to pricing, invoicing and collection. For broader priorities, these disciplines also sit within our Growth & Performance Programme.

Two figures / No email required

Estimate what is waiting
in unpaid invoices.

Enter a typical month of credit invoices and the average time from invoice to payment. Then explore a shorter payment time.

Your current payment pattern
Use sales invoiced on credit. Exclude cash sales and payments received in advance.
Use the actual average, rather than the payment terms. Enter 0 for payment on the invoice date.

Your payment estimate

See the approximate unpaid balance and how it changes when customers pay sooner. This is separate from your profit and business value.

How it works: monthly credit invoices × average payment days ÷ 30. The initial scenario reduces the payment time by up to 15 days, never below zero; it is an illustration, not a recommended target. Both balances exclude VAT and assume steady sales and collection patterns. Unbilled work, overdue-debt recovery, costs, tax, borrowing and existing cash balances are not modelled. This is not a cash-flow forecast or a valuation.

Figures stay on this page and are cleared when you reload or leave. They are not saved, sent with an enquiry or passed to the booking service.

Discuss your cash-flow priorities Review the wider business

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If you choose to send an enquiry, only the information you submit is shared.

A defined 90-day programme

Understand the figures.
Improve the process behind them.

Weeks 1–2 / Establish the baseline

Margins, payment and cash

Review profitability across up to five service or contract groups, aged invoices and actual collection times. Build a 13-week cash forecast from expected receipts and payments.

Weeks 3–8 / Make the changes

Pricing, invoicing and follow-up

Review rates and terms, remove delays in invoicing and put a consistent collection routine in place. Your team approves commercial decisions and owns customer communications.

Weeks 9–13 / Embed the routine

Forecast, review and hand over

Train the owner of the forecast and reporting pack. Compare payment days, overdue invoices and margins with the baseline, and agree what to review next.

What you receive

  • A profitability view for the agreed service or contract groups, with the allocation assumptions recorded.
  • A 13-week cash forecast and a one-page monthly performance pack.
  • An invoicing and payment-follow-up routine in one existing supported system, with clear ownership.
  • A prioritised action plan covering pricing, terms, overdue balances and avoidable costs.
  • Team guidance and a closing review that separates actual results from forecasts.

What we need from you

Current accounts or management figures, an aged receivables report, relevant contract information and expected receipts and payments. A named person in your business maintains the information and approves changes.

Scope and suitability

We agree the records, workflow and specialist input before starting. The programme does not include bookkeeping catch-up, statutory accounts, tax or insolvency advice, debt recovery proceedings or a new accounting-system implementation. Additional work is scoped separately.

Keep growth and cash in view

A growing business can carry more unpaid invoices even when payment times improve. We review payment days, overdue debt, margins and the forecast cash position together. Faster collection is not treated as additional profit.

Ongoing performance, when you need it

Use the forecast and reporting pack in a monthly review alongside sales, capacity and the next operational priorities. Optional software can support invoicing reminders and reporting; the consultancy review remains a separate service.

Growth & Performance Programme Monthly Performance Review ↗Financial reporting and reminders ↗

Practical questions

Is the calculator showing my cash shortfall?

No. It estimates unpaid invoices using a typical month of credit sales and average payment days. A cash forecast also needs starting balances, costs and the dates money is expected to move.

Does faster payment increase profit?

Faster collection can release cash from unpaid invoices. It does not itself create extra sales or profit. Any cost savings or margin improvements are considered separately.

Can we start with the wider business review?

Yes. The free business health check covers commercial activity, finance, operations, people, customers and systems. The Growth & Performance Programme brings those priorities together in a defined engagement.

Contact us

Tell us about
your business.

Tell us what is taking up your time or holding the business back. We’ll recommend a programme and explain its deliverables, timetable and fee before you commit.

growth@tifa.co.uk ↗
Book a 20-minute call

Choose a time with Michael. Opens Microsoft Bookings; the call takes place on Teams.

We’ll use these details to respond to your enquiry. This does not subscribe you to marketing.

TIFA Business Review
TIFA Business Review

Privacy & the tools

The free health check and calculators run in your browser. No email or account is required to see your results. Your figures remain in page memory until you reload or leave. Downloading a report saves a copy on your device.

When you submit an enquiry, TIFA Growth receives your contact details and message at growth@tifa.co.uk so we can respond and discuss the services you requested. A review summary, including financial figures and scenario assumptions, is included only if you tick the sharing option. You are not subscribed to marketing.

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Choosing a direct email link opens your mail application. The separate business value calculator’s email draft includes its financial assumptions for you to check before sending. Review scores are self-reported; value scenarios are illustrative and do not supply verified sector benchmarks or a formal valuation.

Booking a call opens Microsoft Bookings, where you choose a time and provide the contact details needed to arrange the meeting. Microsoft processes these details to manage the booking and Teams invitation. Your review answers and financial figures are not passed to the booking page.

For questions about your information, or to request access or deletion, email growth@tifa.co.uk.