Financial Forecasting

Stop guessing at your future. Model it instead.

Aberny CPA builds clear, data-driven financial projections so you can plan hires, secure funding, open new locations, and make every major decision with confidence — backed by real numbers.

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Financial Forecasting

Projections · Budgets · Scenario Analysis

3 Scenarios

Best, base, and worst-case for every plan

12–36 Mo.

Short and long-horizon projections available

Monthly cash flow projections
Best / base / worst-case scenarios
SBA and bank loan package prep
Break-even and profitability modeling
Budget vs. actuals tracking

What’s Included

Everything covered under this service

A detailed look at what Aberny CPA handles on your behalf — so nothing is left to chance.

12-month and multi-year (3–5 year) revenue and expense projections tailored to your business model
Cash flow forecasting with scenario analysis — best, base, and worst-case — so you're prepared for anything
Break-even analysis and profitability modeling for new products, services, or locations
SBA loan and bank financing package preparation — including all financial exhibits lenders require
Investor-ready financial projections and business plans for funding rounds or private equity conversations
Operating budget creation with detailed line-item assumptions documented and explained

Monthly budget-versus-actual variance analysis with written commentary on significant deviations
Reforecasting as the year progresses — because plans change, and your model should too
Headcount planning and compensation modeling to evaluate the financial impact of hiring decisions
New location or product line feasibility analysis — know before you commit
Debt service modeling and refinancing impact analysis for businesses carrying loans or leases
Capital expenditure planning and depreciation modeling integrated into financial projections

How It Works

Our process, from first call to ongoing support

We make getting started simple. Here’s what to expect when you work with Aberny CPA.

Gather Data & Assumptions

We collect your historical financials, understand your business model, and document the key assumptions that will drive the forecast.

Build the Model

We construct a dynamic financial model in Excel or Google Sheets — clear, auditable, and built to be updated as things change.

Scenario Analysis

We run best, base, and worst-case scenarios so you understand the range of outcomes and can plan accordingly.

Present & Discuss

We walk you through the model, explain the key drivers, and answer every question — so you actually understand what you're looking at.

Monthly Updates

We update the forecast each month as actuals come in, so your projections stay accurate and actionable all year.

Common Use Cases

When businesses call us for a forecast

Financial projections aren’t just for startups. Here’s when our clients typically need them.

Opening a New Location

Know if the numbers work before you sign the lease. We model startup costs, ramp-up, and break-even timelines.

Hiring Your Next Employee

Can you afford it? We model the full loaded cost — salary, benefits, payroll taxes — against projected revenue.

Seeking a Loan or Line of Credit

We prepare the financial exhibits and projections your lender needs — in the format they expect.

Planning for Profitability

If you’re not hitting your margins, we model what needs to change — pricing, costs, revenue mix — to get there.

Pitching to Investors

Investor-ready three-statement models with clearly documented assumptions and sensitivity analysis.

Not sure if you need one?

If you have a major decision on the horizon, you probably do. Book a call and we’ll tell you honestly.

FAQ

Common questions about this service

How accurate are financial projections?

A projection is only as good as its assumptions — and we're transparent about that. We build in scenario analysis precisely because the future is uncertain. What good projections do is force clarity about your key business drivers, establish a baseline to measure against, and help you identify risks before they become crises.

What format do you deliver projections in?

Typically Excel or Google Sheets, with a summary presentation in PDF or PowerPoint for lender or investor audiences. We build models that are clear enough for you to understand and update — not black boxes that only we can interpret.

Can you help with an SBA loan application?

Yes. SBA lenders have specific requirements for financial exhibits — including a debt schedule, personal financial statement, and 3-year projections. We've prepared these packages for many clients and know what lenders want to see.

Do you update the forecast each month, or is it a one-time deliverable?

We offer both. Some clients need a one-time projection for a specific decision (loan, hiring, expansion). Others want ongoing forecasting as part of their monthly advisory service — where we update the model each month as actual results come in. The ongoing version is much more valuable for running the business day-to-day.

How far in advance can a forecast reasonably project?

Twelve months is the most actionable horizon for most businesses. We can build 3- and 5-year models for investor or strategic planning purposes, but we're clear that the further out you go, the wider the uncertainty band. The real value is in the framework and assumptions, not false precision about Year 4.

Let’s Talk

Ready to work with a CPA who gets your business?

Schedule a free 30-minute consultation. We’ll review your situation and show you how Aberny CPA can help.

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