The Altiora Library / Handbooks
Handbook · PDF · 50 pages
The Cash Flow Survival Guide
Keep more cash in your South African business, week by week
Profit is an opinion; cash is a fact. A practical, step-by-step guide to seeing your cash clearly, forecasting 13 weeks ahead, collecting faster and planning for VAT, PAYE and provisional tax.
| Format | PDF ebook, 50 pages (A5, prints on A4) |
|---|---|
| File size | approx. 1.5 MB |
| Delivery | Secure download link by email after payment |
| Works with | Any device |
| Author | Justin Vandayar |
| Publisher | Altiora Business Management |
| Licence | Purchaser’s own business use only; not for resale or sharing |
- Instant download
Link emailed after payment - Secure checkout
Via PayFast - Written for South Africa
CIPC, SARS, B-BBEE and local context - Practical, plain language
Worksheets and checklists - POPIA-respectful
We never sell your details
Look inside
A preview of the pages
What's inside
What you will learn
- Why profitable businesses still run out of cash
- Building a simple 13-week cash flow forecast
- Collecting from debtors faster, politely and firmly
- Managing suppliers, stock and the cash conversion cycle
- Planning for SARS: VAT, PAYE and provisional tax
- A 30-day cash rescue plan with worksheets
Who it is for
Owners and managers of small and growing South African businesses who want clear, practical steps they can implement without a finance or legal background.
Practical cash management guidance, not accounting or tax advice. Confirm tax matters with a registered tax practitioner.
FAQs
Good to know
How do I receive my purchase?
Straight after your payment is confirmed, you receive an email with a secure download link. You can also download from the confirmation page. Please check your spam or promotions folder if it does not arrive within a few minutes, or email hello@altiorawealth.co.za.
How can I pay?
Prices are in South African Rand. Checkout is handled by PayFast, a South African payment provider, so you can pay securely by card and other methods they support. We never see or store your card details. If your business needs an invoice or prefers EFT, email us.
Can I get a refund?
Because digital products are delivered instantly and cannot be returned, sales are final once a download link has been used. If you have not opened any link within 7 days, you can ask for a full refund. If a file is faulty, will not open, or is not what was described, tell us within 30 days and we will replace it or refund you. See our Refund policy. This does not affect your rights under South African consumer law.
Can I share the files with my team?
Each purchase is licensed for the purchaser’s own business use only. You are welcome to print worksheets for your business, and to edit the templates for your own business. The files may not be resold, published, shared or distributed outside your business. All Altiora Library content is © 2026 Justin Vandayar. All rights reserved.
Is this financial, legal or tax advice?
No. The Altiora Library provides general educational information only. It is not financial, legal, tax, accounting, labour, medical or investment advice. Altiora Business Management is a business consulting practice, not a lender or credit provider, and no particular outcome is guaranteed. Laws, rates and thresholds change, so please verify with SARS, CIPC or a qualified professional before acting. Examples in the products are illustrative, and the author and publisher accept no liability for loss arising from their use.
About the author
Justin Vandayar
Founder & CEO, Altiora Business Management
Justin Vandayar is the Founder & CEO of Altiora Business Management. A serial entrepreneur, he has over 20 years’ experience across operations management, financial planning, bookkeeping, real estate and property management, and hospitality and restaurant franchising.
That breadth of hands-on experience shapes everything in the Altiora Library: practical tools, plain language and a focus on what owners can put to work in their own businesses straight away.
Through Altiora Business Management, Justin works with owners across South Africa, in Ballito, Durban, Cape Town, Fourways and online, on business consulting, business and personal coaching, CRM solutions and funding readiness.
Every title in the Altiora Library is written by Justin Vandayar and published by Altiora Business Management.
© 2026 Justin Vandayar. All rights reserved. All Altiora Library ebooks, templates, toolkits and checklists are the intellectual property of Justin Vandayar, published by Altiora Business Management. No part of any Altiora Library product may be reproduced, distributed, resold or transmitted in any form or by any means, including photocopying, recording or other electronic or mechanical methods, without the prior written permission of the author, except for brief quotations in reviews. Each purchase is licensed for the purchaser’s own business use only; templates may be edited for your own business but not resold or shared. All trademarks, product names, company names and logos mentioned are the property of their respective owners. Their mention does not imply any affiliation with or endorsement by them.
Disclaimer. General educational information only; not financial, legal, tax, accounting, labour, medical or investment advice. Altiora Business Management is a business consulting practice, not a lender or credit provider. No outcome is guaranteed. Laws, rates and thresholds change: verify with SARS, CIPC or a qualified professional. The author and publisher accept no liability for loss arising from use. Examples are illustrative.
Disclaimer: Altiora Business Management is a business consulting practice. We are not a lender or credit provider and do not provide credit, insurance, investments or regulated financial, legal or tax advice. Where specialist or licensed advice is needed, we will recommend you speak to an appropriately qualified professional. Every business is different and no particular outcome is guaranteed.