Blogs

Close-up of a hand inserting a coin into a black piggy bank with scattered coins on a white background.

How to Build 90 Days of Cash Reserves (Without Hurting Growth)

Most business owners think building cash reserves means choosing between growth and security. Save money or invest in expansion. Build a cushion or capture opportunities. It feels like an either-or...

Start Reading...
1 U.S. dollar banknote

5 Warning Signs Your Cash Flow Will Break (Before It Happens)

Most business owners wait until they can't make payroll to realize they have cash flow problems. By then, it's too late for simple fixes. But cash flow problems don't appear...

Start Reading...
A close-up shot of a hand offering a blue debit card for payment.

The 3 Biggest Customer Payment Problems (And How to Fix Each One)

I get the same call every week. Business owner, frustrated as hell: "Jim, my customers just won't pay on time. What am I supposed to do?" Here's what I tell...

Start Reading...
A calculator sitting on top of a pile of money

Seasonal Business Cash Flow: 8 Ways to Survive the Slow Months

October hits, and I can see it in every seasonal business owner's face. The summer money is spent, winter bills are coming, and that familiar panic sets in. "How am...

Start Reading...
Top view of financial tools including a calculator, notepad, pen, and rolled cash on a white background.

Cash Flow Management for Business Owners Who Hate Numbers

Let me guess - you started your business because you're good at something specific. Maybe you're a great contractor, an excellent chef, or you solve problems better than anyone else....

Start Reading...
Close-up of hands counting euro bills at an office desk with a calculator.

How to Fix Cash Flow Problems in 30 Days (Step-by-Step Process)

After 40 years of helping business owners through cash flow crises, I've learned this: most cash flow problems aren't as catastrophic as they feel when you're checking your bank balance...

Start Reading...
Close-up of a jigsaw puzzle missing piece revealing Euro currency underneath.

The 4 Cash Flow Blind Spots That Destroy Good Businesses

After four decades of helping business owners navigate cash flow problems, I've learned that most business failures aren't caused by obvious issues. They're caused by blind spots - critical cash...

Start Reading...
Close-up of euro banknotes revealed under puzzle pieces, symbolizing financial solutions.

5 Places Every Business Hides $10,000+ in Cash

After 40 years of helping business owners optimize their financial operations, I can tell you this: every business has accessible cash sitting in unexpected places. Not in bank accounts or...

Start Reading...
financial, planning, report, chart, business, analysis, accountant, market, presenting, data, work, businessman working, finance, person, professional, suit, black, graph, growth, progress, diagram, analyst, economy, recession, stocks, investing, trading, profit, increase, stock, statistic, investment, economic, bubble, money, management, stock crash, indicator, forex, gray business, gray money, gray work, gray data, gray finance, gray growth, gray company, gray presentation, gray businessman, gray economy, gray plan, gray planning, gray accounting, gray management, gray market, gray bubbles, chart, accountant, graph, graph, economy, economy, economy, recession, recession, recession, stocks, investing, investing, trading, trading, trading, profit, increase, stock, investment, investment, investment, investment, investment, economic, economic, money, management, forex, forex, forex, forex

The 13-Week Cash Flow Forecasting System That Actually Works For Business

Building a cash flow forecast isn't just about predicting the future - it's about creating a management system that gives you complete visibility into your business's financial position for the...

Start Reading...
Businessman organizing finances with tech devices and cash on desk.

Why 67% of Profitable Businesses Still Run Out of Cash

The business world has a dirty secret that nobody talks about openly: making money and having money are completely different problems. According to U.S. Bank research, 82% of business failures...

Start Reading...