Wise Owl has developed an integrated three way (Cash Flow/Profit and Loss/Balance Sheet) Excel model to enable business owners to view financial projections over a five year period. The individual inputs typically comprise sale price, cost of goods, payment terms and overheads. The model can accommodate changes in all inputs, both for volume and price inflation. The effect of any change in payment terms can quickly be quantified. The model is simple to use and change and offers business owners a simple, quick and very cost effective solution to financial projections.