We begin by building a robust cash flow forecast that goes beyond simple projections. Using historical transaction data, seasonal business patterns, upcoming operational plans, and industry-specific variables, we create accurate short-term (weekly/monthly) and long-term (quarterly/annual) cash flow projections. This allows businesses to anticipate inflows and outflows, prepare for peak or lean periods, and avoid surprises. Our forecasts also incorporate stress-testing scenarios to evaluate how changes in sales, expenses, or market conditions might impact liquidity.

Efficient working capital management is key to unlocking cash trapped in the business. We analyze your receivable cycles, payables schedule, and inventory turnover to identify bottlenecks. Through strategies such as improving credit control policies, negotiating better supplier terms, streamlining procurement, and adopting just-in-time inventory management, we accelerate cash inflows and delay non-critical outflows without compromising relationships or operations. This directly reduces the cash conversion cycle and improves available liquidity.

Our approach emphasizes ongoing monitoring using modern financial tools and ERP integrations to track daily and weekly cash positions in real time. By comparing actual cash movements against forecasts, we identify variances early and investigate the root causes. This proactive monitoring enables quick corrective actions whether it’s chasing overdue payments, rescheduling supplier obligations, or adjusting operational expenses to ensure a steady flow of cash.

Once liquidity stability is achieved, we focus on maximizing returns on surplus cash. Instead of allowing funds to remain idle, we guide you on channeling them into short-term investments, debt repayments, or reinvestment in business growth initiatives. We also assist in creating contingency reserves for unexpected expenses or market downturns. This ensures that every dirham or dollar in your account is strategically working towards strengthening your business’s financial position and supporting long-term growth.

• Short-term and long-term cash flow forecasting

• Optimization of receivables, payables, and inventory

• Real-time cash flow monitoring systems

• Improved cash conversion cycle management

• Strategic allocation of surplus funds

• Support in managing seasonal and cyclical cash flow challenges

• Risk mitigation for cross-border liquidity issues

We don’t believe in one-size-fits-all auditing. At Pawan Lohia & Associates, every Risk-Based Internal Audit begins with an in-depth understanding of your business model, industry dynamics, and regulatory exposure. Our team collaborates closely with your internal stakeholders to prioritize risk areas, define scope, and execute detailed audits with a strategic lens.