Positive Practice - Plan, Perform and Profit

Powered by the CLEAR Cashflow Method™

Financial Clarity for Business Owners

Don't drive your business looking only in the rear-view mirror. See the road ahead with a forward-looking financial plan.

Specialists in

Health & Social Care
Professional Services
Trades & Construction
Owner-Managed Businesses

Sound familiar?

Running a Care Business Shouldn't Mean Losing Sleep Over Your Finances

Care and homecare providers face unique financial pressures — delayed local authority payments, complex payroll, rising staffing costs, and tight margins. Without the right financial framework, even a thriving care business can run into serious cashflow trouble.

Delayed payments from commissioners

Local authority and NHS payments rarely arrive on time. Meanwhile, your staff wages, PAYE, and supplier invoices can't wait. The gap in between is where cashflow crises are born.

Profit on paper, stress in practice

Your accountant says you're profitable, but the bank account tells a different story. In care, the gap between profit and cash is wider than in almost any other sector.

Growing fast but flying blind

Winning new contracts is exciting — until you realise you need to fund the growth before the income arrives. Without a cashflow forecast, expansion becomes a gamble.

CLEARCashflow Method™
Step 1: Get a crystal-clear snapshot of exactly where your business stands financially right now. No assumptions, no guesswork — just the facts.
Step 2: Understand the critical difference between profit and cash. Most business owners confuse the two — and it costs them dearly. We make sure you never fall into that trap.
Step 3: Build a robust 6-month rolling forecast that you can actually rely on. See what's coming before it arrives, and plan accordingly.
Step 4: Stress-test every significant decision before you commit. Whether it's hiring, investing, or expanding — know the financial impact in advance.
Step 5: Establish a monthly financial rhythm that keeps you permanently in control. Regular reviews mean no more surprises, no more firefighting.

Plan · Perform · Profit

Tap each step to learn more

The Solution

The CLEAR Cashflow Method™

A structured 5-step framework built for the realities of running an SME in the UK — including the unique cashflow challenges of the health and social care sector. No jargon, no surprises. Just clarity.

Understand the true difference between profit and cash
Build a 6-month rolling forecast that accounts for payment delays
Stress-test every hiring or expansion decision before you commit
Establish a monthly financial rhythm that keeps you in control

Two Ways to Get Started

Whether you want to learn the method yourself or have us implement it for you, there's a path that fits your business.

Learn It Yourself

CLEAR Starter System

£37

A complete online course with 7 modules, video lessons, and 15+ downloadable templates and checklists. Master the CLEAR method at your own pace.

Most Popular
We Do It For You

Virtual Finance Office

from £249/month

Your complete outsourced finance function. We handle everything from bookkeeping to monthly CLEAR reporting — so you can focus on running your business, not your numbers.

What Our Clients Say

“

I am an Oral Surgeon and business man with over 50 years experience in many Countries. Stewart Newberry and Positive Practice have been looking after my United Kingdom affairs for over 12 months and I can attest to the fact that he is, beyond doubt, one of the most knowledgeable and trustworthy accountants that it has been my pleasure to work with. One of the great joys is knowing that he is personally dealing with my affairs and nothing, no matter how trivial, is too much trouble. His insights and planning advice are outstanding and I cannot commend his services, in anything, other than the highest order.

Dr Robert Watcyn-Jones

Oral Surgeon & International Business Owner

“

Positive Practice have been invaluable with their advice and expertise in allowing my businesses to grow confidently over the past 5 years of using their services.

James Slater

Founder, Zomdic Films Ltd

“

Working with Positive Practice has been a game changer for us. The team are incredibly responsive and proactive and have provided exactly what we've needed at every stage, during a crucial time. Their support has been invaluable during such a critical phase of getting our business up and running, and it's made a real difference to our confidence and decision-making.

Ben Cooper

Founder, Pro 5 Networking

Free Diagnostic Tool

How Strong Is Your Finance Function?

Answer 12 quick questions to find out whether your business has the financial clarity, control, and confidence it needs to grow — and get a personalised recommendation.

0–8

At Risk

Operating without clear financial visibility — cash pressure and poor decisions likely.

9–16

Some Control, But Gaps

Some structure in place, but missing key insight and control to manage performance confidently.

17–24

Strong, Ready to Grow

Solid financial foundations — now it's time for strategic insight to support the next stage.

See where your business scores
Stewart Newberry

Your Guide

Meet Stewart Newberry

With over 20 years of working with business owners across health and social care, professional services, and the trades, Stewart brings deep sector knowledge and practical financial expertise to every client relationship.

He created the CLEAR Cashflow Method™ because he saw too many hardworking business owners making decisions in the dark. His mission: give SME owners the financial clarity they need to build the business — and the life — they deserve.

20+ Years Experience
FFA, MBA

Insights & Updates

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Ready to Take Control of Your Cashflow?

Book your free Cashflow Review and discover how the CLEAR method can transform your financial clarity. No obligation, no pressure — just an honest conversation about your numbers.