Cash Flow Management & Budgeting

Based in San Antonio. Proudly Serving Across the US & Beyond.

A young boy is sitting in the driver 's seat of a convertible car.
A young boy is sitting in the driver 's seat of a convertible car.

Know where your money’s going. Plan for what’s ahead.

Stop Guessing. Start Planning.

Even profitable businesses can struggle if they don’t have cash on hand when it counts. If you’ve ever asked, “Where did all the money go?”—you’re not alone. At the office of Hector E. Garcia, CPA, we help small business owners across San Antonio, Alamo Heights, Boerne, and beyond understand, manage, and optimize their cash flow.


With over 47 years of experience working with contractors, medical professionals, attorneys, and tradespeople, we know how to create budgeting systems that work in the real world—whether your income is steady or seasonal.

Our Cash Flow Services Cover:

Monthly or quarterly cash flow analysis

Customized budgeting and forecasting

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Break-even and profitability planning

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Scenario planning for growth or slow seasons

Expense analysis and cost control strategies

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Goal-based planning (e.g. expansion, hiring, retirement)

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Better Decisions Start with Better Cash Visibility

Cash flow problems don’t always mean you’re not making money. They usually mean your money isn’t flowing at the right time—or to the right places. We help you identify leaks, plan for lulls, and build a budget that puts you in control.


Whether you're dealing with delayed payments, managing seasonal work, or just want to stop living week to week, we’ll help you move from reactive to proactive.

Based in San Antonio, Proudly Serving Across The US and Beyond

Our Cash Flow & Budgeting Services

Cash Flow Analysis

We’ll help you understand where your money goes each month—and what that means for your business.

Budget Creation & Forecasting

 Build realistic budgets and projections so you can plan for upcoming expenses, taxes, and growth goals.

Scenario Planning

We create best-case, worst-case, and most-likely forecasts to help you make confident decisions—especially when business is unpredictable.

Expense Review & Cost Control

We’ll evaluate your fixed and variable expenses to find opportunities to cut costs and improve margins.

Short-Term & Long-Term Planning

Whether you're preparing for a slow season or looking 3–5 years out, we help you develop a roadmap that aligns with your goals.

Cash Flow Reporting & Check-Ins

Get regular, easy-to-read reports and one-on-one reviews so you always know where things stand.

FAQ

  • Is cash flow the same as profit?

     Not quite. You can be profitable and still have cash flow problems. We help you understand the difference—and fix it.

  • Can you help if I’m just getting started?

    Yes! We love working with startups and new business owners to set up smart cash systems from day one.

  • What if I already use QuickBooks or have a bookkeeper?

    That’s great—we can work alongside your existing system or team to provide cash flow insight and planning.

  • Can you help during a tough season or revenue drop?

    Absolutely. We create contingency plans and prioritize payments to help you stay afloat and come out stronger.

  • Do I need to meet in person?

    Nope. We’re fully remote and work with clients across the U.S. using secure, easy-to-use digital tools.

Take Control of Your Cash Flow

We’ll help you stop guessing, start planning, and make your money work for you—not the other way around.