Tools
Quick calculators and scorecards for owners who need a clearer view of cash, VAT, admin time, late payments, and reporting before building a full finance team.
Tool library
These tools are designed for growing small businesses where finance still sits close to the founder. Use them to get a practical first read on the areas that create pressure as the business expands.
Tool 01
Work out how long the cash in the bank could support the business as hiring, costs, tax, and larger payments start to grow.
For a young business in expansion mode, a simple forward cash view can turn worry into a decision you can act on early.
Preview runway
5 months
Cash gets tight around month 5.
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Tool 02
Estimate how much founder or team time is being absorbed by bookkeeping, invoicing, receipts, chasing payments, and finance admin.
When finance admin is still sitting with the founder, the real cost is often lost focus as much as the hours themselves.
Preview annual cost
£20,280
Estimated annual value of internal time spent on finance admin.
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Tool 03
Get a first read on the next VAT bill and whether rising turnover means VAT needs to be planned properly instead of dealt with late.
VAT surprises are common when sales are growing quickly and nobody owns the finance rhythm yet.
Preview VAT position
£3,640
Annualised turnover is over the VAT registration threshold used in this preview.
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Tool 04
See how much working cash may be trapped in unpaid invoices and what could be released by tightening payment follow-up.
Growth feels very different when invoices are paid slowly. This shows the cash gap hiding behind the sales number.
Preview cash locked
£60,000
Reducing payment time by 10 days could release about £13,333.
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Tool 05
Check whether the business has enough basic finance habits in place to make decisions without guessing from the bank balance.
You do not need a full finance team to have better control. You do need the right numbers showing up at the right time.
Preview grip score
50/100
There are visible gaps in the current reporting rhythm.
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Contact
Start with a free 30 minute consultation to review the finance issue, identify what needs attention, and agree practical next steps. We will respond within 1 working day.
Get in touch
Send a short note about the finance issue, reporting gap, or automation idea you want to discuss. The first step is a free 30 minute consultation, and Spike Financial will respond within 1 working day.
Location
3rd Floor, Old Stock Exchange
St Nicholas Street
Bristol, BS1 1TG