Small Business Cash Flow_small.jpg  90% of small business failures are caused by poor cash flow. Put simply, not enough cash coming in the door and too much going out. Getting paid on time and managing your outgoings is critical to business success. Here you will find all you need to know about ensuring you get paid on time and developing effective cash flow policies.
Small business accounts: receivables and payables 20 January, 2011
Accounts receivable and accounts payable is about business credit. Credit makes the business world go 'round. The vast majority of businesses cannot get by as all-cash operations.
Credit insurance 20 December, 2010
Have you considered the impact of late or non-payment on your business? The longer your customers go without paying, the harder it is for you to pay your suppliers. It's highly likely you're insured against the loss of personal income or theft in your home but you may not have taken the same approach to your business. One option to secure your cash flow is credit insurance.
Know your customers 14 December, 2010
Extending credit can be a very successful growth tool but if it's not done properly it could push your business into financial distress. As a small enterprise it's imperative you do your homework before putting the cash flow of your business in the hands of your customers.
Using debt to finance your small business 09 December, 2010
When your corporation takes out a loan, it is incurring debt. Loans are a well-known and well-used method of raising capital. The biggest drawback to taking out a loan for your corporation is that a loan must be repaid, both principal and interest, when applicable. Further, if you personally guarantee the loan, you will personally have to repay the loan if the corporation is unable to pay. The positive aspect of a loan is that lenders are entitled only to repayment, not an ownership in your corporation or a percentage of the corporation's profits.
Financing your business
At times managing cash flow can be a tricky balancing act. A business must be sure its cash flow cycle is strong enough to support its day to-day operations as well as its growth plans. Learn which financing options are right for you.  
Cash flow forecasting
Poor cash flow is said to cause the failure of approximately 80 percent of small businesses. Give your business the best possible chance of survival and avoid becoming a statistic on the failed business register by gaining a detailed understanding of your in-comings and out-goings.
Collecting on overdue accounts
Many small business owners work their fingers to the bone to sell their products. But that approach won't get your business anywhere if your customers don't pay.
Successful cash flow management
Cash management is ultimately about cash flow - and very few small businesses are awash in cash. Even successful, growing companies are vulnerable to cash flow problems because they tend to add employees and inventory rapidly. This may quickly deplete the company coffers and lead to cash shortages.
Even profitable businesses go bust
It seems an oxymoron that a business making plenty of sales can go under. However, making sales and having money in the bank is not the same thing. You could be signing plenty of deals for handsome amounts but until you collect the money you can't spend it. Consequently, if the money isn't flowing into the business to satisfy creditors and suppliers when it's needed, then trouble beckons. In such circumstances even profitable businesses can go bust.
Inside-out - fund your business growth
To grow a business, you need cash, and to get cash, you need a loan, right Wrong! This is a very common assumption but, with a few small adjustments to your operations, you can raise that extra cash without having to go the bank.

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