The African SME Cashflow Planner + Guidebook

A realistic cashflow planning tool for SMEs operating in volatile African markets.

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Many African SMEs are profitable on paper — and still feel permanently short of cash.

• Customers pay late.

• FX moves while invoices are outstanding.

• Power, fuel, logistics, and “small emergencies” appear without warning.

The problem is not that founders don’t understand money.

It’s that most planning tools assume stability that doesn’t exist.

The African SME Cashflow Planner was built for the conditions many founders actually face:

• currency volatility

• delayed payments

• infrastructure risk

• and the overlap between formal and informal cash movements.

It doesn’t tidy that reality. It plans inside it.

⭐ What Makes This Planner Different

This is not a generic spreadsheet with “Africa” added in the title. It is designed to handle:

• Late customer paymentsSo timing risk is visible, not hidden.

• FX exposureIncluding the difference between official and real rates.

• Infrastructure costs that can’t be postponedFuel, generators, logistics, downtime.

• Informal elements that still affect cashWithout forcing you to pretend they don’t exist.

The aim is not perfection. The aim is honest visibility.

⭐ What You Receive

• A 12-month cashflow forecast sheet

• A monthly actuals tracking sheet

• FX adjustment logic

• A dashboard summary

• A full step-by-step Guidebook (PDF) that walks you through:

  • setup

  • assumptions

  • forecasting

  • tracking

  • and interpretation.

You don’t need to be an accountant to use it. You do need to be willing to look at your cash honestly.

What This Planner Is — and What It Isn’t

This is:

• A survival and planning tool

• A way to anticipate strain before it becomes crisis

• A way to explain your business clearly to lenders and partners

This is not:

• Accounting software

• A tax tool

• A theoretical finance model built for stable economies

It is a practical planning surface for uncertain conditions.

⭐ Who This Is For

This planner can be used by:

• Importers and distributors

• Manufacturers

• Retailers

• Clinics and schools

• NGOs and social enterprises

• Service businesses with delayed receivables

In fact, any SME operating in Africa.

It is especially useful for:

• founders preparing for bank conversations

• SMEs managing FX exposure

• and businesses that are technically profitable but still under constant cash pressure.

⭐ A Quiet Warning

Many businesses don’t fail in decline.

They fail in growth, when sales rise faster than cash.

This planner won’t make growth safe.

But it will help you to see the risks early enough to respond.

⭐ What’s Included in Your Download

Delivered instantly upon purchase.

• Cashflow Planner (Excel)

• Cashflow Guidebook (PDF)

⭐ If You’re Also Working on Governance…

Cash visibility is fragile without clear decision rules. Clear rules are fragile without cash visibility.

If you’re addressing both, the Integrity + Cashflow Starter Bundle brings these two tools together.