Cash flow forecasting
Build a 13-week rolling forecast that flags shortfalls early and gives you time to act.
Financial advisory London
Know your numbers. Grow your business.
Lumina Advisory Group Ltd helps owners move from reactive bookkeeping to proactive financial management. Get a clearer cash position, stronger margins and a plan for the next decision.
13 weeks
of rolling cash visibility
20%
working capital improvement cited by a client
Clear numbers. Better calls.
SME financial planning
What we cover
Your accounts tell you what happened. Our work makes the next move easier to judge.
Budgets and scenarios
Test growth plans, slower trading and investment decisions before they affect your bank balance.
Pricing and margins
Find profit leaks, understand contribution by service and set prices that protect margin.
Working capital
Reduce days sales outstanding, tighten payment terms and keep inventory from tying up cash.
Investment appraisal
Compare returns, costs and payback before you approve a new project or acquisition.
Funding readiness
Prepare financial projections and a clear business case for lenders or equity investors.
Financial modelling consultant
Start with a financial health check
We look at the figures you already have and turn them into a short, useful action plan. No theatre. Just the facts that affect cash and profit.
Get financial clarity01 / REVIEW
Read the full picture
We review your P&L, balance sheet and cash flow rather than relying on turnover alone.
02 / FIND
Separate risk from noise
You see the pressure points, missed opportunities and assumptions that need testing.
03 / ACT
Leave with three quick wins
A one-page summary gives you practical actions for better control and profitability improvement.
Business funding readiness
Ready for funding?
Good funding conversations start with numbers that stand up to scrutiny. We help you prepare before you approach a lender or investor.
Make the case clearly
Set out how the money will be used, what it will change and how the business will repay or reward it.
Prepare a business plan with sensible financial projections. Build a data room with the documents funders expect. Practise investor meetings with clear answers to difficult questions. Compare equity and debt options against your goals.
Client success
"Lumina Advisory Group Ltd rebuilt our forecasting model. We now see cash gaps 8 weeks ahead and have improved working capital by 20%."Zhakir B., Chief Financial Officer
Financial advisory London
Let's make your finances work for you.
No jargon, just clear numbers. Start with a focused conversation about cash flow, margins or your next funding decision.