13-week rolling cash flow forecast
Rows set out and formulas built in: opening cash, receipts, payments, net movement, and a rolling closing balance across 13 weeks. Enter your figures and it calculates.
Excel workbook
Resources
Free tools and guidance.
Practical templates and plain English articles you can use today. No sign up required. Built by a qualified Financial Controller for owner-managed businesses across the Caribbean.
Spreadsheet tools
Ready to use Excel workbooks with the formulas already built in. The simpler tools download with no sign up; the advanced ones ask only for your email. Each one is prepared by Helm Financial.
Annual budget builder
A monthly profit and loss for the year ahead with a separate assumptions tab. Cost of sales and overheads flow from your assumptions so you can model quickly.
Excel workbook · email required
Pricing and break-even calculator
Enter price, variable cost, and fixed costs. It returns your contribution, margin, the volume you must sell to break even, and profit at different sales levels.
Excel workbook
Working capital tracker
See how much cash is tied up in receivables, stock, and payables. Calculates days sales outstanding, days inventory, days payable, and your cash conversion cycle.
Excel workbook · email required
Loan amortisation and affordability schedule
Enter the amount, rate, and term. It calculates the monthly payment and a full repayment schedule of interest, principal, and balance, so you can test affordability.
Excel workbook · email required
Job and project profitability tracker
Track quoted price against labour, materials, subcontractors, and other costs per job. Total cost, profit, and margin calculate automatically, with a portfolio total.
Excel workbook
Inventory reorder and holding-cost calculator
For each product, work out the economic order quantity, reorder point, and the annual cost of holding and ordering stock, so you carry the right amount.
Excel workbook
Fixed asset register and depreciation
A simple register that calculates straight-line depreciation, accumulated depreciation, and net book value for each asset, with totals.
Excel workbook
Guides and checklists
Practical PDF guides you can print and work through. Also free, also prepared by Helm Financial.
Financial health self-assessment scorecard
Score your business across cash, profitability, controls, and planning. A quick way to see where the gaps are before they cost you. The companion to a complimentary health review.
PDF guide
Download
Monthly board pack checklist
What a board-ready monthly management pack should contain: profit and loss, balance sheet, cash flow, key metrics, and risks. Tick each item as you prepare it.
PDF guide
Download
Lender readiness checklist
Everything a bank wants to see before it says yes, assembled in advance so you present as a lower risk and move faster through the process.
PDF guide
Download
Month-end close checklist
A repeatable routine for clean monthly numbers: bank and cash, receivables and payables, adjustments, then review and report.
PDF guide
Download
Hurricane season cash buffer planner
Size the cash buffer your business needs to survive a trading interruption, with a readiness checklist built for the Caribbean season.
PDF guide
Download
Insight articles
Short, practical reads on the financial decisions that move a business: cash flow, pricing, forecasting, and financing. 4 articles and counting.
Latest article
Getting ready to borrow: what a bank actually wants to see
A loan application is not just a form. Banks lend to businesses they understand and trust. Here is how to prepare the numbers and the narrative before you walk in.
Want these tools applied to your own numbers?
Bring them to a complimentary financial health review and we will work through them together.
Request a complimentary review