FOR UK IMPORTERS & WHOLESALERS
Your next stock order, checked against your next 13 weeks of cash. Know what to buy, what to hold, and when the money leaves your bank.
Free first check · No commitment · Yours to keep
Rounded to 12-packs. Minimum order met.
The trade-off: £1,320 of sales at risk from the delay.
01 / Find the stock you need.Illustrative figures
EXPERTISE BEHIND
EVERY CHECK
01 / SEE THE DIFFERENCE
Enough stock is only half the story. See what happens when a supplier balance and VAT land in the same week.
| Week commencing | Order everything | Hold one line |
|---|
Illustrative example: Larkspur Home & Gift. These are modelled figures, not customer results. Holding stock back has a sales trade-off.
IT'S ALL IN THE TIMING
Every payment sits on the week it actually leaves your bank, alongside VAT and overheads. Scroll through the thirteen weeks.
30% on eight lines
£2,29070% · five weeks before stock lands
£6,770Ordering everything: £991 below your £30,000 floor
£29,009The shelf is full again
£1,180Delay the seagrass baskets one cycle: £1,591 freed in the tightest week
£30,600Payment amounts and balances from the worked example. Illustrative, not customer results.
02 / A SIMPLE WAY FORWARD
Ten minutes from you. Two working days from me. Start with your exports and finish with a one-page plan and a personal walkthrough.
Sales, stock and supplier terms. Messy is fine. I'd rather see the real thing.
Each line is forecast, buffered and rounded to packs and minimums. Then every payment goes on the calendar against your cash floor.
Your stock plan meets your cash plan.You get one A4 sheet and a 20-minute walkthrough. Every number explained. If your judgement says something's wrong, we rerun it.
Your experience stays part of the decision.03 / THE THING YOU KEEP
The answer comes first. The working is there when you need it.
What to order, what to hold, and your lowest cash week.
The lines with the most sales at risk go to the top.
Forecasts, buffers and payment dates you can question.
LARKSPUR HOME & GIFT LTD · WORKED EXAMPLE
Week of 21 Dec
£600 above your floor
Ordering everything puts the bank £991 below your £30,000 floor, because the basket balance lands with VAT.
| Product / cover | Order | Cost | Call |
|---|---|---|---|
| Fig & cedar candle0.7 weeks cover | 432 | £1,555 | Order |
| Speckled stoneware mug5.9 weeks cover | 1,200 | £2,520 | Order |
| Winter spice candle1.6 weeks cover | 420 | £1,512 | Order |
| Seagrass basket set2.0 weeks cover | 234 | £1,591 | Hold |
| Reed diffuser7.1 weeks cover | — | — | None |
SOUND FAMILIAR?
Minimum orders. Long lead times. Big balance payments. A check for UK home, gift, textile, lighting and tableware importers.
YOUR RANGE. YOUR TERMS. YOUR CASH FLOOR.You buy your own range from overseas factories, with MOQs and 8–16 week lead times.
You hold stock in the UK and sell to retailers, direct to customers, or both.
Your books live in Xero. Your buying lives in a spreadsheet. The two don't talk.
A balance payment, Christmas order or Chinese New Year has landed in the wrong week before.
A PERSON, NOT A PLATFORM
I've spent ten years on the data side of supply chain, in businesses of every size: analytics, visualisation and forecasting, with the focus always on a buying decision someone had to make that week.
Most recently, that's meant demand planning on SAP IBP. Cash & Cover brings the same discipline to importers who run on Xero and a spreadsheet.
BEFORE YOU SEND A THING
Know what you're getting into.
Then decide if it's right for you.
Yes. The first check is free for a handful of UK importers in the winter 2026 pilot. You keep your one-page plan whether or not you continue.
Weekly sales by product code, current and incoming stock, costs and selling prices, supplier lead times and payment terms, packs and minimums, plus your bank balance, cash floor and overheads. Email Lee first and he'll send the export list.
The pilot works from exports. You don't need a new platform or a live Xero connection to get your first check. Sales can come from Xero or Shopify.
Send what you have. Lee would rather see the real thing. The check uses your data as supplied, and the walkthrough gives you a chance to question the numbers and rerun the plan.
If it's useful, you can continue with a monthly check and a 20-minute walkthrough at a fixed pilot price for the first year. There is no commitment to continue after your free check.
No. The figures on this site are a worked example, not customer results. Your check is a planning estimate based on your data. Holding a line can release cash, but it can also put sales at risk; the plan makes that trade-off visible.
FIRST PILOTS · WINTER 2026
Your first check is free. Your one-page plan is yours to keep.
Start with an email. Lee will send you the export list.
One-page buying plan + 13-week cash view + 20-minute walkthrough
01 Same-day reply
with the export list
02 Two working days
from files to your page
03 Useful? Keep going.
Monthly check + walkthrough
The first pilots run this winter. Customer results will be shared with permission. If you continue, a fixed pilot price applies for the first year.