Your commissions take 60 days.
Your payroll does not wait.
Twelve-month forward cash flow schedules for boutique agency principals. Not a P&L. A schedule that shows which week you run short, before it happens.
The gap is the problem. Not revenue. Timing.
A signed contract is not cash. Between signature and settlement sit 60 to 90 days.
Payroll, rent, marketing and your property management overhead arrive on schedule regardless.
Most agencies that fail do not fail on revenue. They fail on the interval.
A P&L tells you what already happened.
It will not tell you which week you run short.
Managing an agency from a static P&L is why principals with a solid pipeline still find themselves sweating over the next two payroll cycles.
Most agency principals scale into a cash trap.
Then settlements stretch to 60 days and the liquidity disappears. The revenue was never the problem. The timing of it was.
Tier 1 Predictive Architecture
A 12-month forward schedule of when cash actually lands against when your liabilities fall due — built on your settlement pipeline, not on last year's averages.
- ICash flow schedule — week by week, twelve months forward, rebuilt as the pipeline moves
- IILiability mapping — payroll, PAYG, super, trail and fixed overhead plotted against expected settlement dates
- IIIShortfall warning — the weeks you run short, identified before they arrive
- IVTax position — planned against the same schedule, not reconciled after the fact
- VFunding readiness — serviceability assessed in-house, so the finance conversation starts from a position you already know
Three decisions. One conversation.
The structuring decision
The serviceability check
The 12-month cash position
Most principals run them through three separate advisers who have never spoken to each other. That is where deals slow down, or get priced wrong.
Accounting, tax and finance broking have run under one roof here since 2002.
The rent roll is the only part of an agency someone else will pay for.
The sales side walks out the door with the people who built it.
Buying one is two decisions happening at once — a tax decision and a financing decision, under the same contract, on the same timeline.
A rent roll priced on a multiple of management fee income does not always match what a bank will lend against it. That gap is the number that decides whether the deal is fundable.
Send the shape of it — suburb, rough multiple, timing. It comes to me, not to an inbox someone else reads.
Who this is for
- —Principals and directors of boutique agencies across Australia
- —Sales, property management, or both, where commission timing drives the cash position
- —Owners planning headcount, a second office, or a rent roll acquisition in the next twelve months
Who it is not for
If you want compliance work — a return lodged, a set of accounts prepared, a BAS filed — that is general practice work, and it is handled by Peer Accountants at peeraccountant.com.au.
Same firm. Different engagement.
Either way, the engagement is with Peer Group Accountants Pty Ltd.
John King
Score your agency in two minutes.
The Real Estate Agency Scorecard measures the three things that decide whether an agency survives a tightening market.
Your written report comes back immediately. No call required, and nothing published anywhere.
Start the scorecardWhether your position can absorb a stretched settlement cycle
What is left after the cost of writing the business
Whether your systems can tell you any of this in time to act
No principal broadcasts their cash position.
Not in a comment section, and not to their own team.
If you are quietly working through this one, email john.king@peergroup.com.au directly. It comes to me, not to an inbox someone else reads.
Your commissions take 60 days.
Your payroll does not wait.
Twelve-month forward cash flow schedules for boutique agency principals. Not a P&L. A schedule that shows which week you run short, before it happens.
The gap is the problem. Not revenue. Timing.
A signed contract is not cash. Between signature and settlement sit 60 to 90 days.
Payroll, rent, marketing and your property management overhead arrive on schedule regardless.
Most agencies that fail do not fail on revenue. They fail on the interval.
A P&L tells you what already happened.
It will not tell you which week you run short.
Managing an agency from a static P&L is why principals with a solid pipeline still find themselves sweating over the next two payroll cycles.
Most agency principals scale into a cash trap.
Then settlements stretch to 60 days and the liquidity disappears. The revenue was never the problem. The timing of it was.
Tier 1 Predictive Architecture
A 12-month forward schedule of when cash actually lands against when your liabilities fall due — built on your settlement pipeline, not on last year's averages.
- ICash flow schedule — week by week, twelve months forward, rebuilt as the pipeline moves
- IILiability mapping — payroll, PAYG, super, trail and fixed overhead plotted against expected settlement dates
- IIIShortfall warning — the weeks you run short, identified before they arrive
- IVTax position — planned against the same schedule, not reconciled after the fact
- VFunding readiness — serviceability assessed in-house, so the finance conversation starts from a position you already know
Three decisions. One conversation.
The structuring decision
The serviceability check
The 12-month cash position
Most principals run them through three separate advisers who have never spoken to each other. That is where deals slow down, or get priced wrong.
Accounting, tax and finance broking have run under one roof here since 2002.
The rent roll is the only part of an agency someone else will pay for.
The sales side walks out the door with the people who built it.
Buying one is two decisions happening at once — a tax decision and a financing decision, under the same contract, on the same timeline.
A rent roll priced on a multiple of management fee income does not always match what a bank will lend against it. That gap is the number that decides whether the deal is fundable.
Send the shape of it — suburb, rough multiple, timing. It comes to me, not to an inbox someone else reads.
Who this is for
- —Principals and directors of boutique agencies across Australia
- —Sales, property management, or both, where commission timing drives the cash position
- —Owners planning headcount, a second office, or a rent roll acquisition in the next twelve months
Who it is not for
If you want compliance work — a return lodged, a set of accounts prepared, a BAS filed — that is general practice work, and it is handled by Peer Accountants at peeraccountant.com.au.
Same firm. Different engagement.
Either way, the engagement is with Peer Group Accountants Pty Ltd.
John King
Score your agency in two minutes.
The Real Estate Agency Scorecard measures the three things that decide whether an agency survives a tightening market.
Your written report comes back immediately. No call required, and nothing published anywhere.
Start the scorecardWhether your position can absorb a stretched settlement cycle
What is left after the cost of writing the business
Whether your systems can tell you any of this in time to act
No principal broadcasts their cash position.
Not in a comment section, and not to their own team.
If you are quietly working through this one, email john.king@peergroup.com.au directly. It comes to me, not to an inbox someone else reads.