Summit Ledger Advisory

Consultation

Cash Flow Stewardship

A standing advisory cadence that maps weekly cash against supplier terms, payroll, and GST so owners stop borrowing from next month.

Retainer consultation Monthly reviews after a two-session setup From NZ$420 / month Auckland office or video across NZ

Desk with charts, coffee, and notebook during a cash planning session

Who it is for

Owners of cafés, trades, studios, and shops who already have bookkeeping in place but still feel blindsided by Fridays, GST quarters, or supplier runs. Ideal when revenue is fine on paper and the bank still feels thin.

Result you can expect

A living cash map tied to your real payment calendar, plus a monthly review habit that catches shortfalls before they become personal transfers. You will know which week can absorb a materials order and which week cannot.

Scope included

  • Intake of bank exports and aged receivables
  • Written weekly cash map for the next 8–12 weeks
  • Standing monthly review (45–60 minutes)
  • Mid-cycle message support for one urgent cash question per month
  • Adjustments when supplier terms or roster patterns change

Excluded

  • Bookkeeping data entry or payroll processing
  • Tax return preparation or IRD representation
  • Raising finance or speaking to lenders on your behalf

Provider & delivery

Led by Priya Hale from Summit Ledger Advisory. Sessions at Level 13, 29 Shortland Street, Auckland 1010, or by video. Setup usually spans two working sessions in the first fortnight; thereafter one monthly review.

Process

  1. Discovery call and file checklist
  2. Setup sessions to build the cash map with you present
  3. First month of live tracking against the map
  4. Monthly stewardship reviews and map updates

Preparation

Bring three months of bank activity, a list of recurring supplier payment days, payroll dates, and your next GST due date. If someone else holds the logins, invite them to the intake call.

Constraints

We need a decision-maker on reviews. Businesses with multiple entities may require a scoped add-on. We will not begin retainer billing until setup deliverables are agreed in writing.

Pricing basis

From NZ$420 per month after setup. Setup effort is included in the first quarter’s cadence; complex multi-site groups receive a custom quote. See Fees for guidance.

Next step

Request an advisory call and mention Cash Flow Stewardship. We reply within two business days with availability.

Enquire about this consultation