Industry

Liquidity Planning for Consulting

Project-based revenue, long payment terms, and high personnel costs — finban helps consulting firms manage their liquidity proactively.

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Challenges

Project-based revenue with irregular payment receipts and milestone-based billing

High personnel cost ratio (often 70–85%) — salaries run even when projects are delayed

Long payment terms with enterprise clients (30–90 days) create significant liquidity gaps

Mix of fixed-price and time-and-materials projects makes forecasting difficult

Growth requires upfront investment in hiring before new projects generate revenue

How finban helps

All Payment Flows at a Glance

Connect your business account and see all inflows and outflows instantly. No manual consolidation of invoices and bank statements — everything is aggregated and updated in real time.

Scenario Planning for Growth and Utilization

What happens if a major project gets delayed by two months? How does hiring two new consultants affect your cashflow? Plan different scenarios and make decisions backed by real numbers instead of assumptions.

Personnel Planning in Your Cashflow

Plan salaries, bonuses, and new hires directly within your liquidity planning. See the impact of every personnel decision on your cashflow before you commit, so you grow sustainably.

Contract Management for Projects and Overheads

Keep track of project contracts, office rent, software licenses, and insurance policies. See immediately when costs are due, when contracts expire, and where you can optimize.

Key Features

Automatic Bank Connection

All account movements in real time

Scenario Planning

Project and growth scenarios modeled in minutes

HR Planning

Salary and hiring plans integrated directly into your cashflow

Cashflow Forecasting

Automatic forecasts for the coming months

Contract Management

Project contracts and overheads tracked centrally

Multi-Entity

Multiple legal entities consolidated in one view

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“As a consulting firm, we live and die by projects — and they do not always start on schedule. finban shows us early when liquidity will get tight, so we can plan ahead instead of firefighting.”

Dr. Michael T., Managing Director, Consulting

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level