Free: 12-month cash flow template for Excel.Get it now →
true balans
Remote finance operations for growing businesses

Profit is not cash. Know the difference.

The finance help your team is missing. I take care of your cash, invoices, budgets, reconciliations and reports. All of it, or just the one thing you need.

Book a call Check your cash
Fully remote. Working with businesses in Singapore, Australia, New Zealand, the UK, the US and the Cayman Islands.
Cash in the bank

Steady cash. You know what is coming each month.

Who owes youAlways clear
Monthly reportEasy to read
6countries I work in
3+accounting systems: Xero, QuickBooks, Zoho and many more
100%of your invoices tracked until they are paid
0yearly contracts. Month to month.

Making a profit, but still short of cash?

Tick the ones that sound like your business.

Tick any that apply.

What I do

Pick just one, or pick them all. I fill the gap in your team, whatever it is.

I work inXeroQuickBooksZoho Booksand many other systems
Not sure which one you need?Book a callor send me a question
Your monthly reports

Reports you can actually read

Every month you get clear reports like these. No accounting words. Just what you need to know.

Cash flow report

Your bank says one thing. Your books say another.

Not reconciled
Bank says$84,210
Your books say$71,560
Difference$12,650Nobody knows why.
Transactions not matched147

Example report with made-up numbers. Not real client data.

Do you get reports like these every month?

Cash check

How long would your cash last?

Put in three numbers. See how many months your cash would last if nothing changed.

Example numbers. Change them to yours.
S$
S$
S$

Your cash would last about 12 months.

✓You have room to breathe.Keep it that way. Check your cash every month.
Now see where cash is stuck
Free template

Plan your next 12 months of cash

Get my simple cash flow forecast template for Excel. Put in your numbers and see the months ahead.

  • Pick your currency and start month from a list
  • Type each amount once. The 12 months fill in.
  • See which month gets tight, before it happens
True-Balans-Cash-Flow-Forecast.xlsx
Start: next month Tax: every 3 months
All amounts in SGD
MonthNovDecJanFebMarApr
Sales52,00052,52053,04553,57654,11154,653
Salaries28,00028,00028,00028,00028,00028,000
Tax--9,000--9,000
Cash at end175,800177,120169,965172,341169,252163,705
StatusWatchWatchWatchWatchWatchAct now
Start hereCash forecastCash check

Preview with example numbers. Try the currency list.

One-minute cash check

Are you doing all you can to keep your cash?

Most businesses have cash stuck somewhere. Answer 7 quick questions and see where yours might be.

Answer the questions to see your result.

    Clear roles

    I work alongside your accountant

    I look after the day-to-day finance work. Your accountant looks after tax and official reporting. I keep your books clean, so their job is easier.

    What I do

    One task or all of them. You choose.

    • ✓Cash and cash flow
    • ✓Invoices and chasing payments
    • ✓Budgets
    • ✓Reconciliations, even very messy ones
    • ✓Clear monthly reports
    • ✓Better finance processes

    What your accountant does

    • →Tax advice
    • →Tax returns
    • →Year-end accounts and local reporting
    • →Rules that are specific to your country
    Build your package

    Pick what your team is missing

    Tap what you need. Your package builds on the right. Then book a call about it.

    How would you like to work?
    When would you like to start?

    How it works

    Simple and flexible. You are never tied in.

    Step 1

    We chat

    Tell me what is not working. I will tell you honestly if I can help.

    Step 2

    We agree the scope

    We agree exactly what I will do. One task or all of them.

    Step 3

    We sign a simple agreement

    Short, clear, and easy to read.

    Step 4

    We start

    I join your team and do the finance work. You get clear reports and always know your cash.

    No yearly contractYou do not sign up for a year.
    Month to monthKeep going only while it helps you.
    One month noticeStop any time with one month notice.
    Start smallTry me first on a small project.
    The first step is just a chat.Book a call

    Hi, I'm Monika

    I have worked in finance for over 20 years, in the UK, the Middle East and Singapore. That includes over 10 years with law firms, plus work with global companies and startups.

    Today I'm based in Singapore and work remotely with growing businesses that don't have their own finance team. Wherever you are, I fit into your team.

    I do the work that keeps your finances healthy, and give you the tools to see it.

    What I believe
    ✓Profit and cash are not the same thing.
    ✓Every business needs a cash buffer.
    ✓The ones who chase are the ones who get paid.
    Book a call with me
    A real example

    One client had plenty of numbers, but no clear picture. I moved them to Xero and built simple monthly reports.

    Now the owner can see what is working and what is not. They know who their biggest clients are. And they understand why they need a cash buffer.

    Want the same clear picture for your business?Book a call
    Questions

    Good to know

    Do you replace my accountant?

    No. I do the day-to-day finance work: cash, invoices, budgets, reconciliations and reports. Your accountant still does tax and official year-end reporting. I keep your books clean, so their job is easier.

    Can I start small?

    Yes. Pick just one task, or start with a small project. If it helps, we keep going.

    Do I have to sign up for a year?

    No. It is month to month, with one month notice. You are never tied in.

    Which systems do you use?

    Xero, QuickBooks, Zoho Books and many other systems. If you use something else, just ask.

    Do you work with businesses outside Singapore?

    Yes. I work fully remote with businesses in Singapore, Australia, New Zealand, the UK, the US and the Cayman Islands.

    Do you give tax advice?

    No. For tax and local reporting I work alongside your accountant.

    What does it cost?

    It depends on what you need. After a short call we agree the scope, and you know exactly what you get before anything starts.

    Is cash stuck somewhere in your business?

    Unbilled work, unpaid invoices, bills paid too early. Book a call and we will find it together.

    Book a 30-minute call

    I take calls on Tuesdays and Thursdays. These are the next times, shown in your time zone.

    See all timesOpens my booking page. You get a calendar invite by email.
    Book a call
    Chat on WhatsApp