Cash-flow gaps quietly break otherwise profitable small businesses. Stratus Schema Business Finance works the numbers behind your operations.
Most small-business failures are not sales problems — they are timing problems. A client pays late, a supplier tightens terms, a tax instalment lands a week early, and a solvent month becomes a scramble. We sit with owners, read the cash moving through the business, and plan around the gaps before they bite.
Inquiry-based consultationsSmall-business cash-flow focusDaegu · Republic of Korea+82-53-631-4829
Where it usually fails
The cash-flow problems we are asked to read
These are the patterns that bring owners to an inquiry. None of them mean the business is broken — most mean the timing of money in and money out was never planned as a system.
01
Profitable on paper, empty in the account
The books show a margin, but the bank does not. Receivables stretch, payables compress, and the gap is never measured until a payment bounces.
02
VAT and tax instalments treated as surprises
Quarterly VAT and year-end settlements arrive on fixed dates that owners handle reactively. We map them against expected inflows so the date is not a shock.
03
One big client, no reserve rhythm
Concentration in a single customer or season feels safe until it isn't. We build a reserve rhythm sized to the actual volatility of the inflows.
04
Owner drawings mixed with operating cash
When personal and business cash share a current account, every forecast is a guess. We separate the streams so a plan can actually be read.
How an inquiry-led engagement works
From first message to a plan you can read
1
You send an inquiry
Use the form below or email us directly. Tell us the business, the cash-flow question on your mind, and a couple of recent months you can share.
2
A scoping conversation
We read what you send and hold a short conversation to confirm the question is the right one. No charge for this step; it is where we decide whether planning support is genuinely useful to you.
3
A cash-flow read of your numbers
We work through your inflows, outflows, tax dates and reserve position, then write down what we see — the gaps, the timing, the levers that actually move cash.
4
A planning conversation and a written plan
We walk through the reading with you and agree a small set of forward actions — reserve targets, payment timing, tax date preparation — written so you can run it without us.
Start with an inquiry
Send the first message
You do not need a tidy set of accounts to write in. A short description of the business and the cash-flow question on your mind is enough to begin.
We reply to most inquiries within two business days.
The scoping conversation carries no charge.
Commercial terms for any planning engagement are agreed with you before work starts — never assumed.
What an engagement covers
The work an inquiry can lead to
Planning support is shaped to the business that asks for it. The cards below describe the kinds of work an engagement typically contains — not a fixed package, and never priced before the scoping conversation.
A
Cash-flow timing maps
A forward view of when money arrives and when it leaves, with tax and supplier dates marked against expected inflows so the tight weeks are visible in advance.
B
Reserve and buffer planning
A reserve target sized to the real volatility of your inflows, with a rhythm for moving cash into it that does not depend on remembering at month-end.
C
Tax-date preparation
VAT quarters and year-end settlements planned against expected cash, so the funds are sitting ready on the due date instead of being found that week.
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