More businesses fail from running out of cash than from running out of ideas. Profitable companies can still hit cash crises; growing companies hit them most often. Cipher Financial builds the visibility and discipline that keep cash from becoming a surprise.
Cash-flow services
- Short-term cash forecasting — 13-week direct cash-flow forecasts: receipts, disbursements, and the weekly position, updated on a rhythm.
- Long-term cash forecasting — twelve months and beyond, integrated with the operating forecast.
- Weekly cash management — a repeatable weekly process: what came in, what goes out, what needs a decision.
- Burn-rate monitoring and runway analysis — for pre-revenue and venture-backed companies, an accurate answer to the only question that matters: how many months are left, under which assumptions.
- Working-capital planning — receivables, payables, and inventory managed deliberately rather than by default.
- Payment prioritization — when cash is tight, a defensible framework for who gets paid and when.
- Scenario modelling — what happens to cash if the big customer pays late, the launch slips a quarter, or the raise takes longer than planned.
- Financing requirements — how much headroom the business needs, and early identification of when external financing conversations should start.
- Management dashboards — cash position, runway, and working-capital measures visible to management every week without anyone building a spreadsheet from scratch.
The goal: no surprises
Good cash management rarely looks dramatic. It looks like a management team that knows its position, sees pressure building months in advance, and makes decisions early — when options are still cheap. That is the standard these engagements are built to.