Find $10-20K Hidden Cash in Your Business Within 2 Weeks
Michigan Business Advocates helps Michigan businesses find hidden money, solve payroll problems, and build 90-day cash visibility systems.
$10-20K found in 2 weeks
90-day visibility
Payroll solved
Permanent system
How We Help You Fix Your Business Cash Flow
Real solutions that work in the real world. Your path from cash crisis to cash confidence
1
Find your hidden money (week 1)
Most businesses have $10-20K in hidden cash. We find it fast – through collections, expense cuts, and payment optimization. You see results in days, not months.
2
See your 90-day cash position
Never be surprised by cash shortages again. We build forecasting systems that show exactly what’s coming, giving you time to act instead of react.
3
Get customers paying on time
Your customers teach you how to treat them. We retrain them to pay on time through proven methods that maintain relationships while accelerating payment.
4
Pay smarter, not harder
Paying bills isn’t just about having money – it’s about timing. We optimize when and how you pay to maximize cash availability.
5
Build real financial security
The only way to stop the panic is to build reserves. We create systematic approaches to building your safety net while maintaining operations.
Why You Can't Fix This Alone
Reasons why business owners like you can't fix this alone:
1
Your are too close to see it
When you’re drowning, you can’t see the patterns. We spot problems immediately because we’ve seen them hundreds of times.
2
You are too nice to collect
Asking for money feels uncomfortable. We collect professionally without damaging relationships – it’s easier when it’s not personal.
3
You don't have time
You’re fighting daily fires. Cash flow management requires consistent focus. We provide that while you run your business.
4
You need proven systems
Generic advice doesn’t work. We implement specific systems proven to work for Michigan businesses like yours.
Find $20K hidden cash this week OR bounce payroll Friday
We uncover money you didn't know existed. Most clients free up $10-20K in 48 hours and never miss payroll again.
Choose: Cash in hand tomorrow OR explaining to employees why checks bounced.
Daily Cash Flow Struggles Business Owner Faces
Are these also your problems? Then you are not alone.
1
Friday's payroll isn't looking good
Thursday night: Checking every account, adding up receivables, wondering if you’ll make Friday’s payroll. Your employees depend on you, and you’re failing to meet their needs.
2
Great sales, empty bank accounts
“We had $200K in sales last month – where’s the money?” Looking at empty bank accounts while your P&L shows profit. Something’s broken.
3
Living on credit cards
Depositing checks at different banks. Timing bill payments to the hour. Using credit cards for operating expenses. Playing a dangerous game, you’ll eventually lose.
4
Customer's won't pay on time
Invoices aging 60, 90, 120 days. Too busy to chase money. Too embarrassed to demand payment. Meanwhile, you pay everyone else immediately.
5
Suppliers are losing patience
They gave you $25K when you needed $100K. Froze it when you needed it most. Takes 30 days to increase. More hassle than help.
Start Your Cash Flow Recovery Now
Getting started is simple. Book a free consultation and start your cash flow recovery from today.
1
Emergency assessment (same day)
- Quick cash position review
- Identify immediate opportunities
- Create crisis action plan
- No judgment, just solutions
2
Implementation sprint (week 1)
- Execute quick wins
- Start collections push
- Negotiate critical payments
- Stabilize the situation
3
System building (week 2-4)
- Create forecast model
- Install tracking systems
- Train your team
- Establish new habits
4
Ongoing optimization (month 2+)
- Weekly coaching calls
- Monthly performance reviews
- Quarterly strategy sessions
- Continuous improvement
Find $20K hidden cash this week OR bounce payroll Friday
We uncover money you didn't know existed. Most clients free up $10-20K in 48 hours and never miss payroll again.
Choose: Cash in hand tomorrow OR explaining to employees why checks bounced.
Why Michigan Businesses Trust Us
Why You Will Choose Us:
We have lived it: Our founder knows the payroll panic personally. We understand the shame of vendor calls and the fear of letting employees down.
Speed matters: While others create reports, we're collecting your money and negotiating your payments. Action, not analysis.
Teaching, not dependency: We build systems YOU can run. No long-term contracts because you won't need us forever.
100% confidential: Your cash problems stay private. We can be your "financial advisor" to preserve your reputation.
Results guaranteed: If we can't improve your cash flow significantly, you don't pay. That's our confidence in what we do.
Frequently Asked Questions
Common questions about cash flow management in Michigan
What is cash flow management?
Cash flow management is tracking and controlling money flowing in and out of your business. It ensures you have cash when needed, regardless of paper profit. It’s the difference between surviving and thriving.
How quickly can you improve my cash flow?
Most clients see improvement within 7-14 days through receivable collections and expense reductions. Full system implementation takes 60-90 days, but relief comes fast.
What's a 13-week cash flow forecast?
A rolling forecast that predicts your daily cash position for the next quarter. It shows exactly when you’ll have money and when you’ll need it, eliminating surprises.
Can you help if I'm already in crisis?
Yes. We specialize in cash flow emergencies. Many clients call days before missing payroll. Our first week process is designed for immediate relief.
How is this different from bookkeeping?
Bookkeeping records history. Cash flow management controls your future. Your bookkeeper tells you what happened. We ensure you have cash when needed.
What if my customers just pay slowly?
We fix that. New invoice processes, payment terms, collection procedures, and customer training typically accelerate payments by 30-45 days.
Do you do the collections for us?
Initially yes – we make the tough calls in week one. Then we train your team with scripts and processes so you’re not dependent on us long-term.
Will this work for seasonal businesses?
Absolutely. Seasonal businesses need cash flow management even more. We build forecasts that account for cycles and ensure you survive slow seasons.
Why is my business profitable but I have no cash?
Profit is an accounting concept; cash is reality. Common culprits include customers paying in 60-90 days while you pay suppliers in 30, inventory sitting unsold, or equipment purchases that don’t show as expenses. We identify these timing gaps and fix them.
What's the cash flow gap and how do I calculate mine?
The cash flow gap is the days between paying suppliers and collecting from customers. If you pay suppliers in 30 days but collect in 75, your gap is 45 days. Multiply daily expenses by this gap to see how much working capital you need. We help reduce this gap.
Can negative cash flow be fixed without loans?
Yes. Most businesses can improve cash flow 20-40% through better collections, payment timing, and expense management. We typically find $10-20K in hidden cash before considering financing. Loans should be your last option, not your first.
How do Michigan manufacturers manage cash flow with long production cycles?
Michigan manufacturers often have 90-120 day cycles from material purchase to payment. Solutions include progress billing, supplier financing terms, and strategic inventory management. We specialize in manufacturing cash flow challenges specific to automotive suppliers.
How much cash reserve should my seasonal business have?
Michigan seasonal businesses need 4-6 months of fixed costs in reserve, plus 20% buffer for weather variations. Tourism businesses need more due to climate unpredictability. We calculate your specific needs based on your fixed costs and revenue patterns.
When should I hire someone to manage cash flow versus doing it myself?
When you’re checking bank balances daily, losing sleep over payroll, or turning down profitable work due to cash constraints, it’s time for help. Most businesses wait too long – professional management typically costs less than one month of credit card interest.
How much does cash flow management cost for a small business in Michigan?
Most businesses spend $500-2,000 monthly for professional cash flow management services. This includes forecasting, collections support, and payment optimization. DIY with software costs $50-200/month, but professional guidance typically pays for itself through improved collections and reduced interest costs.
Find $20K hidden cash this week OR bounce payroll Friday
We uncover money you didn't know existed. Most clients free up $10-20K in 48 hours and never miss payroll again.
Choose: Cash in hand tomorrow OR explaining to employees why checks bounced.