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With a business finance plan, you can forecast cash shortages and prepare budget or funding decisions before your options narrow.",{"type":51,"attrs":115,"content":117},{"textAlign":53,"key":116},"p-1",[118],{"text":119,"type":58},"Business financial planning is the process of projecting revenues, expenses, cash flow, and capital needs to meet your strategic goals. It connects the sales forecast, budgets, cash flow projections, and funding requirements that turn strategy into numbers you can act on.",{"type":121,"attrs":122,"content":124},"heading",{"level":123,"textAlign":53},2,[125],{"text":126,"type":58},"Key takeaways",{"type":128,"content":129},"bullet_list",[130,144,156,168,180],{"type":131,"content":132},"list_item",[133],{"type":51,"attrs":134,"content":136},{"textAlign":53,"key":135},"p-2",[137,142],{"text":138,"type":58,"marks":139},"Turn ambitions into clear company goals:",[140],{"type":141},"bold",{"text":143,"type":58}," Convert strategy into measurable targets with assigned ownership.",{"type":131,"content":145},[146],{"type":51,"attrs":147,"content":149},{"textAlign":53,"key":148},"p-3",[150,154],{"text":151,"type":58,"marks":152},"Manage cash flow sensibly:",[153],{"type":141},{"text":155,"type":58}," Forecast cash in and out far enough ahead to spot shortfalls before they become crises.",{"type":131,"content":157},[158],{"type":51,"attrs":159,"content":161},{"textAlign":53,"key":160},"p-4",[162,166],{"text":163,"type":58,"marks":164},"Allocate and reallocate budgets intelligently:",[165],{"type":141},{"text":167,"type":58}," Direct capital toward the highest-value priorities and move it quickly when circumstances change.",{"type":131,"content":169},[170],{"type":51,"attrs":171,"content":173},{"textAlign":53,"key":172},"p-5",[174,178],{"text":175,"type":58,"marks":176},"Reduce costs and identify waste:",[177],{"type":141},{"text":179,"type":58}," Use the plan to find spending that no longer earns its place.",{"type":131,"content":181},[182],{"type":51,"attrs":183,"content":185},{"textAlign":53,"key":184},"p-6",[186,190],{"text":187,"type":58,"marks":188},"Mitigate risk through scenario and stress testing:",[189],{"type":141},{"text":191,"type":58}," Build contingency into the plan so the business can absorb shocks without losing momentum.",{"type":121,"attrs":193,"content":194},{"level":123,"textAlign":53},[195],{"text":196,"type":58},"What is business financial planning?",{"type":51,"attrs":198,"content":200},{"textAlign":53,"key":199},"p-7",[201,203,211],{"text":202,"type":58},"Business financial planning helps you forecast performance and cash, then set the budgets and controls that keep actual results connected to those forecasts. The core documents cover at least a year: a profit and loss account, cash flow forecast, projected balance sheet, sales forecast, and expenses budget, following ",{"text":204,"type":58,"marks":205},"British Business Bank",[206],{"type":207,"attrs":208},"link",{"href":209,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.british-business-bank.co.uk/business-guidance/guidance-articles/business-essentials/reviewing-your-business-plan","_blank",{"text":212,"type":58}," guidance.",{"type":51,"attrs":214,"content":216},{"textAlign":53,"key":215},"p-8",[217],{"text":218,"type":58},"The plan and the budget do different jobs. Management uses the plan to look forward over one or more years and answer strategic questions about funding and direction. Budgets break that plan into shorter reporting periods so you can monitor progress and act when the numbers drift.",{"type":51,"attrs":220,"content":222},{"textAlign":53,"key":221},"p-9",[223],{"text":224,"type":58},"The loop between the two, forecast, spend, compare, and adjust, is what makes planning useful rather than decorative.",{"type":121,"attrs":226,"content":228},{"level":227,"textAlign":53},3,[229],{"text":230,"type":58},"The importance of financial planning in business",{"type":51,"attrs":232,"content":234},{"textAlign":53,"key":233},"p-10",[235,237,243],{"text":236,"type":58},"Planning matters because the baseline odds are sobering. Only 38.4% of UK businesses born in 2019 were still trading five years later. The Office for National Statistics recorded 280,000 business deaths in 2024 in its ",{"text":238,"type":58,"marks":239},"ONS Business Demography 2024",[240],{"type":207,"attrs":241},{"href":242,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.ons.gov.uk/businessindustryandtrade/business/activitysizeandlocation/bulletins/businessdemography/2024",{"text":244,"type":58}," release.",{"type":51,"attrs":246,"content":248},{"textAlign":53,"key":247},"p-11",[249,251,257,259,264,266,269,271,274],{"text":250,"type":58},"Researchers associate formal planning with better outcomes, though it cannot guarantee them. Across a ",{"text":252,"type":58,"marks":253},"meta-analysis of 46 studies",[254],{"type":207,"attrs":255},{"href":256,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.sciencedirect.com/science/article/abs/pii/S0883902608001109",{"text":258,"type":58}," covering 11,046 organisations, the mean planning-performance effect was ",{"text":260,"type":58,"marks":261},"r",[262],{"type":263},"italic",{"text":265,"type":58}," = .20. The effect was stronger for established small firms (",{"text":260,"type":58,"marks":267},[268],{"type":263},{"text":270,"type":58}," = .24) than for new ones (",{"text":260,"type":58,"marks":272},[273],{"type":263},{"text":275,"type":58}," = .13).",{"type":51,"attrs":277,"content":279},{"textAlign":53,"key":278},"p-12",[280],{"text":281,"type":58},"The honest reading for a finance leader is that the document alone changes little. However, the studies associate finance teams’ repeated comparison of plan to actuals with stronger performance.",{"type":51,"attrs":283,"content":285},{"textAlign":53,"key":284},"p-13",[286,288,294],{"text":287,"type":58},"Most companies have further to go here than they admit. ",{"text":289,"type":58,"marks":290},"Gartner analysts",[291],{"type":207,"attrs":292},{"href":293,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.gartner.com/en/finance/role/financial-planning-analysis",{"text":295,"type":58}," found that only 3% of companies fully align company strategy with an integrated operational-financial plan. The gap between having a plan and running the business by it is where the nine benefits below live.",{"type":121,"attrs":297,"content":298},{"level":123,"textAlign":53},[299],{"text":300,"type":58},"5 benefits for goals, cash, budgets, costs, and risk",{"type":121,"attrs":302,"content":303},{"level":227,"textAlign":53},[304],{"text":305,"type":58},"1. Clear company goals",{"type":51,"attrs":307,"content":308},{"textAlign":53,"key":54},[309],{"text":310,"type":58},"A financial plan requires management to turn vague ambitions into numbers with dates attached. Management turns “Grow the sales team” into six hires by Q3, with a defined cost per hire and funding from a named budget line.",{"type":51,"attrs":312,"content":313},{"textAlign":53,"key":116},[314],{"text":315,"type":58},"That precision helps managers assess trade-offs before committing funds and compare each month’s actuals with the goal.",{"type":51,"attrs":317,"content":318},{"textAlign":53,"key":135},[319,325],{"text":320,"type":58,"marks":321},"ACCA’s SME guidance",[322],{"type":207,"attrs":323},{"href":324,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.accaglobal.com/content/dam/acca/global/PDF-technical/small-business/pol-afb-bfc.pdf",{"text":326,"type":58}," makes the monitoring point directly: managers can treat significant variances against budget as early warnings of problems or a changed business environment.",{"type":51,"attrs":328,"content":329},{"textAlign":53,"key":148},[330,332,338],{"text":331,"type":58},"The process starts when you build ",{"text":333,"type":58,"marks":334},"next year’s budget",[335],{"type":207,"attrs":336},{"href":337,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/annual-plan/",{"text":339,"type":58}," from the strategy rather than from last year’s actuals plus 5%.",{"type":121,"attrs":341,"content":342},{"level":227,"textAlign":53},[343],{"text":344,"type":58},"2. Sensible cash flow management",{"type":51,"attrs":346,"content":347},{"textAlign":53,"key":160},[348,350,356],{"text":349,"type":58},"You may discover cash problems late. In the ",{"text":351,"type":58,"marks":352},"ONS Business Insights survey",[353],{"type":207,"attrs":354},{"href":355,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.ons.gov.uk/businessindustryandtrade/business/businessservices/bulletins/businessinsightsandimpactontheukeconomy/8january2026",{"text":357,"type":58},", 14% of UK trading businesses reported holding no cash reserves at all in late December 2025.",{"type":51,"attrs":359,"content":360},{"textAlign":53,"key":172},[361],{"text":362,"type":58},"By reviewing a cash flow forecast within the plan, your finance team can identify the low point before a payment fails.",{"type":51,"attrs":364,"content":365},{"textAlign":53,"key":184},[366],{"text":367,"type":58},"The recommended cadence is unusually consistent. The recommended practice is to maintain detailed weekly cash flow forecasts on a rolling basis 13 weeks out, alongside a rolling 12-month monthly forecast.",{"type":128,"content":369},[370,383,396],{"type":131,"content":371},[372],{"type":51,"attrs":373,"content":374},{"textAlign":53,"key":199},[375,381],{"text":376,"type":58,"marks":377},"ACCA",[378],{"type":207,"attrs":379},{"href":380,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.accaglobal.com/content/dam/ACCA_Global/Technical/fact/tf-business-recovery-options.pdf",{"text":382,"type":58}," recommends the 13-week benchmark.",{"type":131,"content":384},[385],{"type":51,"attrs":386,"content":387},{"textAlign":53,"key":215},[388,394],{"text":389,"type":58,"marks":390},"AICPA & CIMA",[391],{"type":207,"attrs":392},{"href":393,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.aicpa-cima.com/resources/article/how-a-13-week-cash-flow-cycle-can-help-your-business",{"text":395,"type":58}," recommends the same approach.",{"type":131,"content":397},[398],{"type":51,"attrs":399,"content":400},{"textAlign":53,"key":221},[401,407],{"text":402,"type":58,"marks":403},"Deloitte UK",[404],{"type":207,"attrs":405},{"href":406,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.deloitte.com/uk/en/services/deloitte-private/perspectives/the-path-to-profitability.html",{"text":408,"type":58}," also recommends this forecasting horizon.",{"type":51,"attrs":410,"content":411},{"textAlign":53,"key":233},[412],{"text":413,"type":58},"Thirteen weeks is roughly a quarter: long enough to matter, but short enough to forecast with accuracy.",{"type":121,"attrs":415,"content":416},{"level":227,"textAlign":53},[417],{"text":418,"type":58},"3. 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This is why ",{"text":457,"type":58,"marks":458},"tracking team budgets",[459],{"type":207,"attrs":460},{"href":461,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/project-budget-tracking/",{"text":463,"type":58}," continuously is more effective than reconstructing them at month-end.",{"type":51,"attrs":465,"content":467},{"textAlign":53,"key":466},"p-15",[468,470,476],{"text":469,"type":58},"For CFOs, stale data makes reallocation decisions harder to defend. Live budget-versus-actual figures reduce that risk. Spendesk’s ",{"text":471,"type":58,"marks":472},"budget management",[473],{"type":207,"attrs":474},{"href":475,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/platform/budgets/",{"text":477,"type":58}," module gives CFOs and budget owners a single source of truth, surfacing the precise budget impact behind every request before the budget owner approves it.",{"type":51,"attrs":479,"content":481},{"textAlign":53,"key":480},"p-16",[482],{"text":483,"type":58},"This means reallocation decisions can rest on current figures rather than a month-old export.",{"type":121,"attrs":485,"content":486},{"level":227,"textAlign":53},[487],{"text":488,"type":58},"4. Necessary cost reductions",{"type":51,"attrs":490,"content":492},{"textAlign":53,"key":491},"p-17",[493,495,498],{"text":494,"type":58},"Cost programmes often miss their targets. In the ",{"text":496,"type":58,"marks":497},"Deloitte MarginPLUS survey",[],{"text":499,"type":58}," of 397 senior executives globally, including respondents in Europe, 79% of companies failed to meet their cost-savings targets.",{"type":51,"attrs":501,"content":503},{"textAlign":53,"key":502},"p-18",[504],{"text":505,"type":58},"You can improve your ability to verify savings by establishing a documented expected-cost baseline in the plan.",{"type":51,"attrs":507,"content":509},{"textAlign":53,"key":508},"p-19",[510,512,517],{"text":511,"type":58},"Reviewing actual spend against the plan also helps you locate waste. ",{"text":289,"type":58,"marks":513},[514],{"type":207,"attrs":515},{"href":516,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.gartner.com/en/marketing/topics/marketing-technology",{"text":518,"type":58}," found that teams actively used only 49% of martech tools in 2025, in a category consuming 22% of marketing spend.",{"type":51,"attrs":520,"content":522},{"textAlign":53,"key":521},"p-20",[523,525,531],{"text":524,"type":58},"Finance teams can find those gaps by reviewing subscriptions and supplier lines against the plan. Pairing the plan with ",{"text":526,"type":58,"marks":527},"spend control",[528],{"type":207,"attrs":529},{"href":530,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/spend-control/",{"text":532,"type":58}," helps prevent costs from quietly creeping back.",{"type":121,"attrs":534,"content":535},{"level":227,"textAlign":53},[536],{"text":537,"type":58},"5. Risk mitigation",{"type":51,"attrs":539,"content":541},{"textAlign":53,"key":540},"p-21",[542,544,550],{"text":543,"type":58},"You can use a plan to test bad news before it arrives. Among 1,136 European CFOs in the ",{"text":545,"type":58,"marks":546},"Deloitte CFO Survey",[547],{"type":207,"attrs":548},{"href":549,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.deloitte.com/us/en/insights/topics/business-strategy-growth/european-cfo-survey-spring-2026.html",{"text":551,"type":58},", 51% reported deploying scenario analysis and impact assessments as their primary risk-mitigation measure.",{"type":51,"attrs":553,"content":555},{"textAlign":53,"key":554},"p-22",[556],{"text":557,"type":58},"Finance teams can flex the plan for a downside case, such as:",{"type":128,"content":559},[560,568,576,584],{"type":131,"content":561},[562],{"type":51,"attrs":563,"content":565},{"textAlign":53,"key":564},"p-23",[566],{"text":567,"type":58},"Sales coming in 20% below forecast.",{"type":131,"content":569},[570],{"type":51,"attrs":571,"content":573},{"textAlign":53,"key":572},"p-24",[574],{"text":575,"type":58},"A key customer paying 30 days later.",{"type":131,"content":577},[578],{"type":51,"attrs":579,"content":581},{"textAlign":53,"key":580},"p-25",[582],{"text":583,"type":58},"A major supplier increasing prices.",{"type":131,"content":585},[586],{"type":51,"attrs":587,"content":589},{"textAlign":53,"key":588},"p-26",[590],{"text":591,"type":58},"A planned funding round being delayed.",{"type":51,"attrs":593,"content":595},{"textAlign":53,"key":594},"p-27",[596],{"text":597,"type":58},"The team can then calculate the cash consequence while there is still time to act.",{"type":51,"attrs":599,"content":601},{"textAlign":53,"key":600},"p-28",[602,608],{"text":603,"type":58,"marks":604},"Reverse stress testing",[605],{"type":207,"attrs":606},{"href":607,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.icaew.com/technical/audit-and-assurance/professional-scepticism/what-is-reverse-stress-testing",{"text":609,"type":58}," goes further. ICAEW describes starting from a predefined failure outcome, typically running out of cash or breaching a loan covenant, and working backwards to find what would cause it.",{"type":51,"attrs":611,"content":613},{"textAlign":53,"key":612},"p-29",[614,616,622],{"text":615,"type":58},"Documented controls and approval rules in the plan also reduce exposure to ",{"text":617,"type":58,"marks":618},"financial fraud",[619],{"type":207,"attrs":620},{"href":621,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/financial-fraud-risks/",{"text":623,"type":58},", because deviations from expected spend patterns become visible against a baseline.",{"type":121,"attrs":625,"content":626},{"level":123,"textAlign":53},[627],{"text":628,"type":58},"4 benefits for resilience, funding, growth, and transparency",{"type":121,"attrs":630,"content":631},{"level":227,"textAlign":53},[632],{"text":633,"type":58},"6. Crisis management",{"type":51,"attrs":635,"content":637},{"textAlign":53,"key":636},"p-30",[638],{"text":639,"type":58},"Companies that build buffers during calm periods retain more room to invest in a downturn.",{"type":51,"attrs":641,"content":643},{"textAlign":53,"key":642},"p-31",[644,646,652],{"text":645,"type":58},"A ",{"text":647,"type":58,"marks":648},"Bank of England paper",[649],{"type":207,"attrs":650},{"href":651,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.bankofengland.co.uk/-/media/boe/files/working-paper/2019/all-you-need-is-cash.pdf",{"text":653,"type":58}," analysing UK firms found that a firm at the 90th percentile of relative cash holdings grew fixed assets 4.4 percentage points more between 2007 and 2009 than a firm at the 10th percentile.",{"type":51,"attrs":655,"content":657},{"textAlign":53,"key":656},"p-32",[658],{"text":659,"type":58},"That gap almost tripled to 11.6 percentage points by 2014. Cash-rich firms continued investing through the shock and compounded their advantage during the recovery.",{"type":51,"attrs":661,"content":663},{"textAlign":53,"key":662},"p-33",[664,666,672],{"text":665,"type":58},"The ",{"text":667,"type":58,"marks":668},"2020 financial crisis",[669],{"type":207,"attrs":670},{"href":671,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/2020-financial-crisis/",{"text":673,"type":58}," made the same point at speed. With agreed downside scenarios and cash-runway thresholds, you can act from a prepared decision framework when conditions change.",{"type":121,"attrs":675,"content":676},{"level":227,"textAlign":53},[677],{"text":678,"type":58},"7. Smooth fundraising",{"type":51,"attrs":680,"content":682},{"textAlign":53,"key":681},"p-34",[683],{"text":684,"type":58},"Lenders judge applicants by documentation quality because they cannot observe planning directly.",{"type":51,"attrs":686,"content":688},{"textAlign":53,"key":687},"p-35",[689,691,697],{"text":690,"type":58},"In 2025, ",{"text":692,"type":58,"marks":693},"PYMNTS Intelligence",[694],{"type":207,"attrs":695},{"href":696,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.pymnts.com/wp-content/uploads/2025/06/PYMNTS-Keeping-Score-Data-Quality-Determines-Lending-Decisions-June-2025.pdf",{"text":698,"type":58}," surveyed 350 banking executives. Among UK lenders, 49% identified audited financial statements as their most essential input for SMB credit decisions, making it the highest-ranked single data point.",{"type":51,"attrs":700,"content":702},{"textAlign":53,"key":701},"p-36",[703],{"text":704,"type":58},"You can also give lenders the evidence needed to assess a request. In the British Business Bank’s 2026 finance survey, 82% of SMEs seeking finance obtained all or some of what they needed from the first provider they approached. Yet only 24% sought external finance at all in the previous three years.",{"type":51,"attrs":706,"content":708},{"textAlign":53,"key":707},"p-37",[709,711,717],{"text":710,"type":58},"A finance plan documenting the forecast and funding case can turn an application into a conversation. For early-stage companies, ",{"text":712,"type":58,"marks":713},"startup financial planning",[714],{"type":207,"attrs":715},{"href":716,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/startup-financial-planning/",{"text":718,"type":58}," carries even more weight because there is no trading history to rely on.",{"type":121,"attrs":720,"content":721},{"level":227,"textAlign":53},[722],{"text":723,"type":58},"8. A growth roadmap",{"type":51,"attrs":725,"content":727},{"textAlign":53,"key":726},"p-38",[728],{"text":729,"type":58},"You can use a finance plan to sequence growth so ambition and cash never fall out of step.",{"type":51,"attrs":731,"content":733},{"textAlign":53,"key":732},"p-39",[734],{"text":735,"type":58},"The plan links each stage of expansion to the revenue that justifies it and the funding that pays for it. This means you can identify when you will need finance months before you actually need it.",{"type":51,"attrs":737,"content":739},{"textAlign":53,"key":738},"p-40",[740],{"text":741,"type":58},"Finance teams can keep the roadmap current with a rolling forecast. They typically maintain the forecast for the next 12 months and update it monthly or quarterly.",{"type":51,"attrs":743,"content":745},{"textAlign":53,"key":744},"p-41",[746],{"text":747,"type":58},"Each time finance teams update the forecast, they extend its horizon instead of letting it expire in December and rebuilding it from scratch in January.",{"type":121,"attrs":749,"content":750},{"level":227,"textAlign":53},[751],{"text":752,"type":58},"9. Transparency with staff and investors",{"type":51,"attrs":754,"content":756},{"textAlign":53,"key":755},"p-42",[757],{"text":758,"type":58},"Investors read the numbers before the narrative. According to a global survey of more than 1,000 investment professionals across 26 countries, 69% relied on financial statements to a large or very large extent in investment decisions.",{"type":51,"attrs":760,"content":762},{"textAlign":53,"key":761},"p-43",[763],{"text":764,"type":58},"A finance plan that reconciles cleanly with your reported results provides credibility behind every board pack and funding round.",{"type":51,"attrs":766,"content":768},{"textAlign":53,"key":767},"p-44",[769],{"text":770,"type":58},"Internally, budget owners create transparency. When department leads can see their own budget-versus-actual position, finance stops being the team that says no after the fact and becomes the team that shares the numbers before the decision.",{"type":51,"attrs":772,"content":774},{"textAlign":53,"key":773},"p-45",[775],{"text":776,"type":58},"An earlier month-end close gives staff and investors access to current numbers sooner.",{"type":121,"attrs":778,"content":779},{"level":123,"textAlign":53},[780],{"text":781,"type":58},"What to include in a business financial plan",{"type":51,"attrs":783,"content":785},{"textAlign":53,"key":784},"p-46",[786,788,794,796,802],{"text":787,"type":58},"UK professional bodies converge on the same core set of documents. The ",{"text":789,"type":58,"marks":790},"ACCA start-up guide",[791],{"type":207,"attrs":792},{"href":793,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.accaglobal.com/content/dam/acca/global/business-finance/start-up-guide.pdf",{"text":795,"type":58}," and ",{"text":797,"type":58,"marks":798},"ICAEW guidance",[799],{"type":207,"attrs":800},{"href":801,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.icaew.com/about-icaew/find-a-chartered-accountant/help-with-your-business/managing-your-business",{"text":803,"type":58}," both anchor the plan in connected forecasts and supporting analysis.",{"type":121,"attrs":805,"content":806},{"level":227,"textAlign":53},[807],{"text":808,"type":58},"Sales forecast",{"type":51,"attrs":810,"content":812},{"textAlign":53,"key":811},"p-47",[813],{"text":814,"type":58},"A realistic sales forecast is the basis for every other figure. Break it down by product type or buyer type.",{"type":121,"attrs":816,"content":817},{"level":227,"textAlign":53},[818],{"text":819,"type":58},"Profit and loss forecast",{"type":51,"attrs":821,"content":823},{"textAlign":53,"key":822},"p-48",[824],{"text":825,"type":58},"Summarise expected income and costs annually for each of the first two or three years of trading.",{"type":121,"attrs":827,"content":828},{"level":227,"textAlign":53},[829],{"text":830,"type":58},"Cash flow forecast",{"type":51,"attrs":832,"content":834},{"textAlign":53,"key":833},"p-49",[835],{"text":836,"type":58},"Show when money moves, rather than when the business raises invoices. This makes the point at which the business turns cash-positive visible.",{"type":121,"attrs":838,"content":839},{"level":227,"textAlign":53},[840],{"text":841,"type":58},"Projected balance sheet",{"type":51,"attrs":843,"content":845},{"textAlign":53,"key":844},"p-50",[846],{"text":847,"type":58},"Show the financial position at day one and at each year end, particularly for larger or externally funded businesses.",{"type":121,"attrs":849,"content":850},{"level":227,"textAlign":53},[851],{"text":852,"type":58},"Budget",{"type":51,"attrs":854,"content":856},{"textAlign":53,"key":855},"p-51",[857,859,865],{"text":858,"type":58},"Break the plan into shorter reporting periods so variances surface early. Existing ",{"text":860,"type":58,"marks":861},"budget templates",[862],{"type":207,"attrs":863},{"href":864,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/blog/marketing-budget-templates/",{"text":866,"type":58}," can shorten the setup process.",{"type":121,"attrs":868,"content":869},{"level":227,"textAlign":53},[870],{"text":871,"type":58},"Break-even analysis",{"type":51,"attrs":873,"content":875},{"textAlign":53,"key":874},"p-52",[876],{"text":877,"type":58},"Calculate the turnover needed to cover fixed costs. At a 25% gross margin, sales must be four times fixed costs to break even.",{"type":121,"attrs":879,"content":880},{"level":227,"textAlign":53},[881],{"text":882,"type":58},"Funding requirements",{"type":51,"attrs":884,"content":886},{"textAlign":53,"key":885},"p-53",[887],{"text":888,"type":58},"State how much finance you need and when you need it. Explain which form suits the requirement and whether it will buy equipment or fund working capital.",{"type":51,"attrs":890,"content":892},{"textAlign":53,"key":891},"p-54",[893],{"text":894,"type":58},"If the funding will do both, provide the split.",{"type":121,"attrs":896,"content":897},{"level":227,"textAlign":53},[898],{"text":899,"type":58},"Assumptions and sensitivities",{"type":51,"attrs":901,"content":903},{"textAlign":53,"key":902},"p-55",[904],{"text":905,"type":58},"List the assumptions behind the numbers, then flex the plan for downside scenarios, such as sales coming in 20% below forecast.",{"type":121,"attrs":907,"content":908},{"level":227,"textAlign":53},[909],{"text":910,"type":58},"Historical accounts",{"type":51,"attrs":912,"content":914},{"textAlign":53,"key":913},"p-56",[915],{"text":916,"type":58},"Include the last three years of accounts and key ratios if the business has them.",{"type":51,"attrs":918,"content":920},{"textAlign":53,"key":919},"p-57",[921],{"text":922,"type":58},"Finance should connect all three forecasts in one integrated model. A change to any assumption should flow through all of them. This is exactly what a lender or investor will test.",{"type":121,"attrs":924,"content":925},{"level":123,"textAlign":53},[926],{"text":927,"type":58},"There’s no time like the present to create your business financial plan",{"type":51,"attrs":929,"content":931},{"textAlign":53,"key":930},"p-58",[932],{"text":933,"type":58},"You can use the survival and cash-reserve figures to gauge the scale of the risk, but the underlying ONS releases do not record which businesses had formal financial plans.",{"type":51,"attrs":935,"content":937},{"textAlign":53,"key":936},"p-59",[938],{"text":939,"type":58},"You can start with a working version built from current actuals and refine it through each review cycle:",{"type":941,"attrs":942,"content":945},"ordered_list",{"order":943,"key":944},1,"ol-0",[946,954,962,970],{"type":131,"content":947},[948],{"type":51,"attrs":949,"content":951},{"textAlign":53,"key":950},"p-60",[952],{"text":953,"type":58},"Build a 12-month profit and loss and cash flow forecast from current actuals.",{"type":131,"content":955},[956],{"type":51,"attrs":957,"content":959},{"textAlign":53,"key":958},"p-61",[960],{"text":961,"type":58},"Set departmental budgets and name an owner for each.",{"type":131,"content":963},[964],{"type":51,"attrs":965,"content":967},{"textAlign":53,"key":966},"p-62",[968],{"text":969,"type":58},"Write down your key assumptions and one downside scenario, including the action you would take if it materialised.",{"type":131,"content":971},[972],{"type":51,"attrs":973,"content":975},{"textAlign":53,"key":974},"p-63",[976],{"text":977,"type":58},"Review budget-versus-actual monthly and reforecast when variances persist.",{"type":51,"attrs":979,"content":981},{"textAlign":53,"key":980},"p-64",[982],{"text":983,"type":58},"Every step depends on spend data you can trust. This is a workflow problem before it is a planning problem.",{"type":51,"attrs":985,"content":987},{"textAlign":53,"key":986},"p-65",[988],{"text":989,"type":58},"Spendesk is an all-in-one spend management platform that brings company cards, expense claims, invoices, payments, and procurement workflows together in a single source of truth.",{"type":51,"attrs":991,"content":993},{"textAlign":53,"key":992},"p-66",[994],{"text":995,"type":58},"Because approvals and payment records sit in one connected workflow with receipts, your budget-versus-actual figures reflect what teams have spent or committed throughout the organisation and across all locations, not only transactions finance has already reconciled.",{"type":51,"attrs":997,"content":999},{"textAlign":53,"key":998},"p-67",[1000],{"text":1001,"type":58},"That real-time visibility is what keeps a financial plan accurate between reporting cycles, not just at month-end.",{"type":51,"attrs":1003,"content":1005},{"textAlign":53,"key":1004},"p-68",[1006,1012],{"text":1007,"type":58,"marks":1008},"Explore live spend data",[1009],{"type":207,"attrs":1010},{"href":1011,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.spendesk.com/platform-tour/",{"text":1013,"type":58}," to see how one connected workflow can keep your plan current.",{"type":121,"attrs":1015,"content":1016},{"level":123,"textAlign":53},[1017],{"text":1018,"type":58},"Frequently asked questions about business financial planning",{"type":51,"attrs":1020},{"textAlign":53,"key":1021},"p-69",{"type":121,"attrs":1023,"content":1024},{"level":227,"textAlign":53},[1025],{"text":1026,"type":58},"How often should you update a business finance plan?",{"type":51,"attrs":1028,"content":1030},{"textAlign":53,"key":1029},"p-70",[1031],{"text":1032,"type":58},"Reforecast at least quarterly and review budgets monthly.",{"type":51,"attrs":1034,"content":1036},{"textAlign":53,"key":1035},"p-71",[1037,1039,1045],{"text":1038,"type":58},"In volatile conditions, ",{"text":1040,"type":58,"marks":1041},"ACCA recommends",[1042],{"type":207,"attrs":1043},{"href":1044,"uuid":53,"anchor":53,"target":210,"linktype":35},"https://www.accaglobal.com/content/dam/ACCA_Global/professional-insights/planning-performance-management-paradigm/PI-PLANNING-PERFOMANCE%20v4.pdf",{"text":1046,"type":58}," moving to quarterly or even monthly planning cycles with rolling plans, so finance teams can incorporate new information throughout the year.",{"type":121,"attrs":1048,"content":1049},{"level":227,"textAlign":53},[1050],{"text":1051,"type":58},"What is the difference between a business plan and a business finance plan?",{"type":51,"attrs":1053,"content":1055},{"textAlign":53,"key":1054},"p-72",[1056],{"text":1057,"type":58},"A business plan covers the whole proposition, including the market, product, team, and strategy.",{"type":51,"attrs":1059,"content":1061},{"textAlign":53,"key":1060},"p-73",[1062],{"text":1063,"type":58},"The business finance plan is its numerical core. It contains the forecasts and budgets that quantify the strategy, including any funding requirement.",{"type":51,"attrs":1065,"content":1067},{"textAlign":53,"key":1066},"p-74",[1068],{"text":1069,"type":58},"Lenders and investors scrutinise financial statements, forecasts, and assumptions because they can test those figures against actual results.",{"type":121,"attrs":1071,"content":1072},{"level":227,"textAlign":53},[1073],{"text":1074,"type":58},"How many years should a business finance plan cover?",{"type":51,"attrs":1076,"content":1078},{"textAlign":53,"key":1077},"p-75",[1079],{"text":1080,"type":58},"Three to five years for the integrated forecast, with the first year in monthly detail.",{"type":51,"attrs":1082,"content":1084},{"textAlign":53,"key":1083},"p-76",[1085],{"text":1086,"type":58},"Grant Thornton UK recommends pairing three years of historical performance with a three-to-five-year integrated three-statement forecast supported by clear operating and capital expenditure assumptions.",{"type":121,"attrs":1088,"content":1089},{"level":227,"textAlign":53},[1090],{"text":1091,"type":58},"Who should own a business finance plan?",{"type":51,"attrs":1093,"content":1095},{"textAlign":53,"key":1094},"p-77",[1096],{"text":1097,"type":58},"Finance should maintain the integrated model and connect it to actual results.",{"type":51,"attrs":1099,"content":1101},{"textAlign":53,"key":1100},"p-78",[1102],{"text":1103,"type":58},"Management, including named budget owners, should own the goals and assumptions behind each departmental budget and explain material variances during each review cycle.",{"name":1105,"created_at":1106,"published_at":1107,"updated_at":1108,"id":1109,"uuid":1110,"content":1111,"slug":1118,"full_slug":1119,"sort_by_date":53,"position":1120,"tag_list":1121,"is_startpage":27,"parent_id":1122,"meta_data":53,"group_id":1123,"first_published_at":1124,"release_id":53,"lang":66,"path":53,"alternates":1125,"default_full_slug":1119,"translated_slugs":1126,"_stopResolving":39},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1112,"icon":1113,"name":1105,"component":1117},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1114,"alt":1115,"name":25,"focus":25,"title":25,"filename":1116,"copyright":25,"fieldtype":31,"is_external_url":27},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],[1127,1128,1129],{"path":1119,"name":53,"lang":70,"published":53},{"path":1119,"name":53,"lang":72,"published":53},{"path":1119,"name":53,"lang":74,"published":53},[66],[1132],{"_uid":1133,"asset":1134,"shadow":27,"caption":25,"overlay":1138,"component":1139},"d82bd1d3-fb36-4a78-96c0-d4a1aae4dbaa",{"id":1135,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1136,"copyright":25,"fieldtype":31,"meta_data":1137,"is_external_url":27},23046726,"https://a.storyblok.com/f/146026/1110x740/701f4bf21e/business-financial-planning.jpg",{},[],"image",[],"2026-08-27 00:00","9",[],"A business finance plan turns cash flow and budget forecasts into decisions. See nine benefits and learn what to include and how to start.",[],[1147],{"_uid":1148,"items":1149,"heading":1187,"reverse":27,"component":1205,"sectionSettings":1206},"3be056e5-6fcd-4cf6-9c97-18fa3efb7631",[1150,1160,1169,1178],{"_uid":1151,"title":1152,"component":1153,"description":1154},"1e14c386-eda5-4f37-afab-512767067a8b","What is business financial planning and why does it matter for my company?","faqItem",{"type":48,"content":1155},[1156],{"type":51,"content":1157},[1158],{"text":1159,"type":58},"Business financial planning is the process of projecting revenues, expenses, cash flow, and capital needs to meet strategic goals. Spendesk centralizes company spending with virtual and physical cards, automated expense reports, and budget controls to align forecasts with real-time spend data, improving accuracy and enabling faster financial decisions across finance teams.",{"_uid":1161,"title":1162,"component":1153,"description":1163},"d473eec4-6ac6-4de2-a704-317b4cab62f5","How do I create a financial plan for my small business?",{"type":48,"content":1164},[1165],{"type":51,"content":1166},[1167],{"text":1168,"type":58},"To create a financial plan for your business, start by setting revenue forecasts, itemizing fixed and variable costs, and establishing cash flow and budget targets. Spendesk simplifies this process by providing real-time spend tracking, configurable budgets, and automated approval workflows, and by syncing expense data with accounting systems to keep forecasts updated and actionable.",{"_uid":1170,"title":1171,"component":1153,"description":1172},"0c216e28-a9e4-4412-85c6-de265e49f4fd","What are the best ways to track and control company spending?",{"type":48,"content":1173},[1174],{"type":51,"content":1175},[1176],{"text":1177,"type":58},"Track and control company spending by implementing card controls, approval workflows, and centralized reporting that enforce budgets and policies. 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