As the summer months approach, many Kent businesses experience a shift in activity—some see a seasonal dip in revenue, while others gear up for their busiest time of year. Whether you run a hospitality business near Whitstable’s beaches or manage a service company in Maidstone, understanding and planning for seasonal cash flow changes is crucial.
At Soldi Partners, we support businesses across Kent in navigating the financial ups and downs of summer. Here are some practical cash flow strategies to help you prepare for whatever the season brings.
1. Forecast Your Summer Cash Flow Now
Don’t wait until July to start analysing the numbers. Create a cash flow forecast that covers at least June to September. Map out:
Expected income based on previous years
Known expenses (rent, payroll, tax payments, supplier invoices)
One-off summer costs (holiday cover, stock increases, marketing)
Tip: Use your accounting software (like Xero or QuickBooks) to automate projections and spot potential gaps early.
2. Adjust Payment Terms Strategically
If you’re anticipating a slowdown:
Consider shortening your customer payment terms
Send invoices promptly and follow up on overdue payments
Offer small discounts for early payments to boost short-term cash flow
If you're heading into a busy season:
Negotiate longer payment terms with suppliers to ease upfront pressure
Use invoice financing selectively for large jobs
3. Manage Staff Costs Proactively
Many businesses face staffing challenges in summer—either due to increased demand or annual leave.
Plan rotas early to avoid costly last-minute decisions
Consider part-time or temporary workers to fill seasonal gaps
Review payroll liabilities to ensure you're not overcommitting
Keep in mind: August PAYE deadlines don’t move just because staff are on holiday.
4. Build a Summer Buffer Fund
If you’ve enjoyed strong trading through spring, consider ringfencing part of your profits now. A cash buffer helps absorb:
Unexpected slow weeks
Emergency expenses (equipment repairs, staff sickness)
Delays in customer payments during school holiday season
Even a buffer equal to 1 month’s overheads can make a difference.
5. Review and Delay Non-Essential Spending
Summer is not always the best time for big investments unless you're confident in your revenue stream. Consider delaying:
Major equipment upgrades
New hires
Discretionary marketing
Alternatively, look at spreading costs through hire purchase, asset finance, or staged payments.
6. Explore Kent-Based Support Options
Depending on your business type and location, you may be eligible for:
Business rate reliefs during low-income periods
Grants for tourism and seasonal growth (e.g., Visit Kent campaigns)
Flexible loan options through Kent County Council and Growth Hubs
Speak with a local accountant or business advisor to see what support fits your needs.
7. Keep Your Accountant in the Loop
One of the best ways to stay cash-positive over summer is to work closely with your accountant. At Soldi Partners, we help Kent businesses:
Create tailored cash flow forecasts
Plan tax and VAT payments around seasonal cycles
Identify ways to reduce costs and boost short-term liquidity
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