There’s no polite way to say it: Most businesses are letting cash slip through their fingers because they’ve confused profit with liquidity. You’re bringing in sales. The books might even show black ink. But when the end of the month hits and you’re robbing Peter to pay Paul, something’s broken.
Pearl Lemon Consulting exists to fix that.
We work directly with business owners, CFOs, controllers, and finance directors who are stuck watching cash ebb and flow without control or clarity. We find the hidden bottlenecks, payment delays, bloated receivables, overexposed liabilities, and vendor terms that quietly bury your operating capital.
You don’t need theories. You need the gaps sealed — fast.
The first step is simple. Schedule a consultation and let’s find out what’s bleeding your bank balance.
Our Services
We don’t offer window dressing. Our service is direct, mechanical, and results-focused. If it’s broken, we pull it apart and rebuild it to work consistently. If it’s inefficient, we fix the mechanics, not just the reports.
Our clients include businesses with $1.5M to $50M in revenue, typically facing erratic liquidity, ballooning AR, or unpredictable month-end crunches.
Here’s what we do — line by line.
Cash Flow Forecasting & Modeling
Problem: You’re reacting to bank balances instead of planning with forward visibility.
Solution:
We create rolling 13-week cash flow forecasts using direct method modeling, integrating inflow/outflow timing from AP, AR, payroll, tax liabilities, and capex. Our models are built inside tools you already use — Excel, Google Sheets, QuickBooks, Xero, or ERP platforms like NetSuite and Sage.
Why it matters:
Knowing how much cash you’ll have on hand 90 days out is the difference between acting with excess and reacting under stress. Businesses that forecast weekly are 2.5x more likely to meet liquidity goals (source: AFP survey, 2023).
Accounts Receivable Analysis & Acceleration
Problem: Your customers are treating your business like a bank.
Solution:
We segment your AR aging, identify chronic delayers, restructure invoice terms by customer tier, and enforce escalation frameworks. Then we integrate dunning automation using tools like Chaser, CollBox, or internal CRM workflows to systematize collection touches.
Why it matters:
Every $100,000 stuck past 60 days is costing you thousands in opportunity. Fast-paying businesses can reinvest earlier, negotiate discounts, and sleep better. Period.
Accounts Payable Management & Term Optimization
Problem: You’re paying faster than you’re getting paid.
Solution:
We audit vendor terms line-by-line, negotiate extended cycles with key suppliers, and structure payment batching to create consistent weekly outflows. We also implement a disbursement calendar synced to inflow timing so liabilities don’t crush you mid-month.
Why it matters:
Shifting average AP timing from 18 to 30 days can release 6-12% of working capital, freeing up operating cash without borrowing.
Liquidity Planning & Contingency Buffering
Problem: You’re one missed payment away from a funding scramble.
Solution:
We define your minimum cash operating level (MCOL), create layered buffers based on burn rate and AR variability, and install triggers that signal when to initiate capital reserve plans or line-of-credit draws. This becomes your in-house warning system.
Why it matters:
Cash unpredictability kills momentum. Even profitable companies collapse from a lack of a liquid buffer. It’s not about if — it’s about when.
Working Capital Optimization
Problem: You’re generating revenue but watching capital get trapped across the balance sheet.
Solution:
We review inventory cycles, WIP, payment lags, and short-term obligations to improve your CCC (Cash Conversion Cycle). Using KPI targets like DSO, DPO, and inventory turnover, we build controls that increase working capital availability without needing external financing.
Why it matters:
Reducing CCC by just 10 days can inject 3-7% of annual revenue back into operations. That’s more usable cash without needing to sell a single additional product.
Bank Relationship & Treasury Management
Problem: You’re running your business on autopilot with no real treasury strategy.
Solution:
We evaluate banking structures, sweep accounts, zero balance setups, cash concentration, and idle balance policies. Then we reconfigure your treasury process to prevent wasted float, unnecessary transfers, and fragmented fund management.
Why it matters:
When you move from passive to active treasury management, you control every cent, not just monitor it.
Payment and Collections Infrastructure Setup
Problem: Your invoicing and payments stack is clunky, inconsistent, or flat-out broken.
Solution:
We audit your tech stack (Stripe, Square, GoCardless, ACH, wire, checks), then implement structured invoicing, escalation, and reconciliation workflows. We can build full AR automation using APIs with QuickBooks, Xero, HubSpot, or custom-built middleware.
Why it matters:
Delays don’t happen because clients don’t want to pay. They happen because your system gives them the chance to forget.
Cash Policy and Internal Controls Implementation
Problem: Everyone’s touching the money, but no one’s accountable.
Solution:
We create internal approval thresholds, payment authorizations, dual sign-offs, and daily cash monitoring routines. We also document these as part of your SOPs to train future staff and reduce dependency on key individuals.
Why it matters:
Too many companies get burned because they trust instead of verifying. Policy doesn’t kill speed — it protects it.
Why Work With Us?
Because we don’t show up with a one-size-fits-all spreadsheet and pretend it’s a solution. We get into the guts of your operation, ask the uncomfortable questions, and build cash clarity from the inside out.
Here’s how we’re different — and why our clients stick with us long after the first project is done:
We ask what your finance team won’t.
You’ve got receivables stacking up. But has anyone challenged your payment terms, client behavior, or billing process? We do. We get into who owes you, how long they’ve owed you, and why you’re still waiting.
We make your payables work for you.
Are you paying too early? Too often? Or just paying for the wrong things altogether? We dissect every payment cycle and restructure the outflow. Because the cash you keep today is worth more than the cash you spend tomorrow.
We forecast like your business depends on it — because it does.
Looking 90 days ahead without a working cash model is reckless. We give you forward visibility, tied to actual operational movement, not some padded guess from last quarter’s report.
We plan for when things go sideways.
Big client misses a payment? Tax bill hits early? Supplier fails to deliver? We build liquidity buffers and warning systems so you’re not scrambling when the unexpected shows up (because it will).
We track your cash, not just your numbers.
We map what’s happening between sales, invoicing, collections, and reconciliations. If there’s a delay, a block, or a disconnect, we find it and fix it. No theory. Just working systems. The result? You stop running your business off a bank balance. You start making decisions with cash certainty. And your team finally understands how to move money with control.
Frequently Asked Questions
We use historical inflows/outflows plus current pipeline and billing cycle data. Accuracy typically lands within ±5% variance over a 4-week period once fully implemented.
Yes. We support integrations with NetSuite, Sage, Xero, QuickBooks, and most CRMs via API or middleware tools like Zapier and Integromat.
Clients typically see AR reduction of 15–30% within the first 60 days. That’s often $250k–$2M back on the table depending on volume.
Yes. We help build and document treasury operations, including ZBA setup, cash pooling, and multi-entity consolidation.
Not unless necessary. We aim to fix the system inside what you already have — most results come from how the current tools are used, not from buying more.
Yes. We work with firms with USD/GBP/EUR-denominated operations and manage FX hedging strategies, currency risk, and conversion timing.
Our team includes former finance directors, fractional CFOs, and Big 4-trained analysts with hands-on operational experience in cash control, not just reports.
This Isn’t A Fit For Everyone.
If you’re looking for a nice PDF report or a few PowerPoint slides to impress the board, go elsewhere. We’re not here to impress — we’re here to fix what isn’t working.
But if you’ve ever looked at your bank account and said,
“Where the hell did all the money go?”
Then you’re the type of client we work with best.
Let’s do something about it. Book a consultation. Get clarity. Get control. And keep more of your cash.
