Cash Flow Management for Small Businesses in Mauritius

Most Mauritian SMEs don't fail because they're unprofitable — they fail because they run out of cash. A simple 13-week rolling cash flow forecast solves 90% of the problem.

Build a 13-week rolling forecast

Every Monday, list:

• Opening cash across all accounts.
• Expected inflows week by week (invoiced sales, deposits).
• Expected outflows (rent, salaries, VAT, PAYE, suppliers).
• Closing cash each week.

Roll it forward every Monday. Trouble shows up 8+ weeks ahead.

Invoice discipline

• Send invoices the same day you deliver.
• Ask for a 30% deposit on bespoke work.
• Set clear 7 or 14-day payment terms.
• Chase at day 3, day 7, day 14, day 21.

Seasonal buffers

Mauritian retail spikes at Diwali, Christmas, and New Year; tourism spikes June–September and December. Build a buffer of 1–2 months of fixed costs ahead of quieter months.

Warning signs to watch

• Using next month's revenue to pay this month's suppliers.
• Delaying VAT/PAYE payments.
• Increasing overdraft utilisation.
• Longer supplier payment periods requested.

Frequently asked questions

How much cash should a Mauritian SME keep in reserve?

Aim for 3 months of fixed costs, plus a seasonal buffer for the slow season.

Is a 13-week forecast really enough?

It's the practical sweet spot — long enough to see trouble, short enough to update weekly.

What if a big client pays late?

Have clear terms, and factor 1 large invoice into your forecast at 60 days rather than 30.

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