Cash Management Isn't Just for Big Businesses
Good cash management isn't about having a treasury department. It's about knowing what's coming in, what's going out and what needs your attention.
Education for small business owners
Take Control of Your Small Business Cash Flow
Understand where your cash is, see what's coming and make better financial decisions for your business.
Practical cash-management guidance, tools and training designed specifically for small business owners.
Can you answer these questions about your business?
01
How much cash will you have 13 weeks from today?
02
Which customers currently owe you money?
03
How much of that money is overdue?
04
What are your largest cash commitments over the next three months?
05
How long could your business operate if sales suddenly fell?
06
What would happen if your largest customer paid you 30 days late?
If some of these questions are difficult to answer, you are not alone. Good cash management starts with visibility.
Explore Practical Cash Management →A Profitable Business Can Still Run Out of Cash
Profit measures economic performance over a period. Cash determines whether the business can actually pay employees, suppliers, taxes and lenders when those obligations fall due.
A sale, a profit and a cash receipt do not happen at the same moment. The waiting period between them is where most small-business cash problems begin.
Stage 1Sale made
Stage 2Invoice sent
Critical gapWaiting
SuccessCash received
The principle
Large companies use professional treasury disciplines to manage the waiting period between a sale and its cash. Many of those principles can be applied simply and practically in a small business.
Practical Cash Management
Straightforward thoughts, lessons and practical guidance about the money coming into your business, the money going out and the money you're working hard to keep.
Your Bank Balance Isn't the Same as the Cash You Can Spend
Money sitting in your account may already have somewhere else to go. Available cash is what's left once you've counted the things you've already committed to.
You've Earned the Cash. Now Protect It.
You work hard to generate cash. Protecting it deserves the same attention as earning it — and the controls that matter are mostly simple.
Free resource
Free 13-Week Cash Flow Forecast Template
A simple weekly template for seeing what your business expects to receive, what it expects to pay out and what will be left in the bank over the next quarter.
Want to understand what the numbers are telling you?
The template can help you organise your forecast. The Cash Management for the Small Business Owner course goes further, helping you understand the principles behind managing, forecasting and protecting your business's cash.
Built on real-world experience
The disciplines large organisations rely on, made usable by smaller businesses
Cash Flow for Small Business brings more than 20 years of practical experience across international banking, corporate treasury, cash management, liquidity, payments, working capital and finance operations. into practical resources designed specifically for small business owners.
That experience spans both major financial institutions and multinational businesses, giving both the banking/service-provider and the corporate/customer perspective on managing cash.
Large organisations have dedicated professionals looking after cash. Most small businesses don't. We believe small business owners should still have access to the principles that matter — without the systems, complexity or overheads of a multinational.
Why we exist →Understand your cash before it becomes urgent
Understand your cash. Anticipate problems. Make better decisions. Build a more resilient business.
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