Tools
Short calculators and scorecards that give owners a first read on cash flow, admin cost, VAT pressure, late payment, and reporting clarity.
Tool library
Each tool gives a simple directional result on page. The full version can send the assumptions, result, and suggested next steps to the visitor by email.
Tool 01
See how long current cash lasts once income, outgoings, and expected large payments are taken into account.
Proper forecasting turns a surprise cash cliff into a plan.
Preview runway
5 months
Cash gets tight around month 5.
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Tool 02
Estimate what owner-led bookkeeping, invoicing, and payment chasing really costs over a year.
A cleaner bookkeeping rhythm is often a time-reclaimed decision as much as a finance one.
Preview annual cost
£20,280
Estimated annual value of internal time spent on finance admin.
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Tool 03
Estimate the next quarterly VAT position and spot when turnover may need closer VAT planning.
VAT should be planned into cash flow, not discovered when the bill arrives.
Preview VAT position
£3,640
Annualised turnover is over the VAT registration threshold used in this preview.
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Tool 04
Understand how much cash is permanently tied up in unpaid invoices and what faster payment could release.
Debtor days are not just a reporting metric. They decide how much cash the business can actually use.
Preview cash locked
£60,000
Reducing payment time by 10 days could release about £13,333.
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Tool 05
A quick financial grip score based on the reporting habits and controls already in place.
A useful management pack shows where the business stands and what needs attention next.
Preview grip score
50/100
There are visible gaps in the current reporting rhythm.
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Contact
Tell Spike Financial where the numbers, systems, or decisions feel harder than they should. The first step is a practical conversation.
Get in touch
Send a short note about the finance issue, reporting gap, or automation idea you want to discuss.
Location
3rd Floor, Old Stock Exchange
St Nicholas Street
Bristol, BS1 1TG