616-610-3750
info@denuylaccounting.com
Menu

Cash Flow

Utilize Invoice Reminders in QuickBooks Online for Improved Cash Flow

, , ,

Managing unpaid invoices is often one of the least enjoyable tasks when running a business. While no one likes reaching out to customers for overdue payments, failing to do so can negatively impact your cash flow.

Setting up automated email reminders in QuickBooks Online can help streamline the process. Not only will it reduce the stress of chasing overdue payments, but it also saves you valuable time—both by easing your concerns and eliminating the need for manual follow-ups. Here’s how to set it up.

A Simple Process

Setting up automated reminders is straightforward. The trickiest parts are deciding on the timing of the reminders and crafting the right tone for your emails.

Start by clicking the gear icon in the upper-right corner. Select Account and Settings under Your Company menu. Scroll down to the Sales tab and click on it. Next, scroll to the Reminders section. If the Automate Invoice Reminders option is off, click it to turn it on.

QuickBooks Online allows you to set up to three different reminders for various time periods. Click the down arrow on the Reminder 1 line:

QuickBooks Online allows you to customize your invoice reminders in a number of ways.

Three Different Reminders

QuickBooks Online offers three reminder options, each labeled with a suggested timing: before the due date, on the due date, and after the due date. However, you don’t have to follow this suggested schedule. For the first and third reminders, you can specify how many days before, on, or after the due date the email should be sent. You can only set the second reminder to send on or after the due date. If you prefer, you can set all reminders to send after the due date, which is a common approach.

Customizing Your Email Messages

You can customize the email greeting (e.g., “Dear”) and choose how the recipient should be addressed—by their full name, first name, or company name. You can also modify the subject line to suit your needs.

Below the greeting and subject line, you’ll find the email message that QuickBooks Online will send to the customer. QuickBooks Online provides a standard message, but you have the option to edit it completely or just adjust parts of it.

Preparing Your Email Messages

You’ll notice that fields like Invoice No. and Company Name appear in brackets ([]). If you’ve used mail merge before, you’re already familiar with this concept. If not, simply put, data in brackets will automatically be replaced with real information from your QuickBooks Online file. For example, if you’re sending a reminder to Cookies by Cathy, the company name will replace the placeholder text, and the correct invoice number will appear in that field.

You’ll want to tailor your message for each reminder based on when it’s being sent. For example, the tone should be firmer if the payment is 30 or more days late compared to just seven days late. For your first reminder, consider giving your customer the benefit of the doubt—they may have simply overlooked the invoice or missed the due date.

Once you’ve set up your reminders, remember to click Save. Note that automatic email reminders only apply to new invoices. However, you can modify or turn off reminders at any time. If you need to send a reminder to a customer about an existing invoice, hover your mouse over Sales in the toolbar and click Invoices. Then, click the down arrow in the Action column next to the relevant invoice and select Send Reminder.

Take Control of Your Collections with Automated Reminders

By setting up automated reminders in QuickBooks Online, you can ensure that your invoicing process runs more smoothly and efficiently. Take advantage of this feature and make overdue invoices one less thing to worry about.

How to Read a Cash Flow Statement: Understand Your Money

, , ,

Understanding the cash flow statement is one of the most important ways to gauge your company’s financial health. Think of it as a map showing how money moves into and out of your business. Below, we’ll walk through the basics so you can read and interpret your cash flow statement confidently.

What Is a Cash Flow Statement?

A cash flow statement is a financial report that shows the money coming in (inflow) and going out (outflow) of your business during a specific period—such as a month, quarter, or year. While your profit and loss statement tells you how much you’ve earned (income) and spent (expenses), the cash flow statement focuses strictly on actual cash. This means it tracks the movement of real dollars, which helps you see whether you can meet immediate obligations like payroll and supplier payments.

Why Is It Important?

Managing Day-to-Day Operations: Even if your business appears profitable on paper, you need enough cash to pay bills, purchase inventory, and keep the lights on.

Planning for Growth: Tracking cash inflows and outflows helps you know when you can afford to invest in new equipment, hire staff, or expand your product line.

Securing Financing: Lenders and investors often look at your cash flow statement to see how stable your cash position is before offering loans or investment dollars.

Staying Out of Trouble: Understanding cash flow can prevent cash shortages that might otherwise disrupt your operations or, worst-case scenario, force you to close your doors.

The Three Sections of a Cash Flow Statement

There are three main sections: Operating Activities, Investing Activities, and Financing Activities. Each gives you different insights into where your cash is coming from and where it’s going.

1. Cash Flow from Operating Activities

  • What It Covers: When reviewing the cash flow statement, the Cash Flow from Operating Activities section captures the everyday transactions that keep your business running—such as:
    • Money you receive from selling products or services
    • Cash you spend on operating expenses (rent, utilities, salaries, etc.)
    • Cash you receive or pay for items like refunds or returns
  • Why It Matters: Monitoring this activity helps see if your business is sustainable in the short run. While profits are important, cash flow from operating activities keeps the lights on. Even if you’re posting a profit on paper, you still need enough physical cash for your business’s regular obligations.

2. Cash Flow from Investing Activities

  • What It Covers: Cash used for investments in the long-term future of your business, such as:
    • Buying or selling equipment
    • Purchasing or selling property
    • Acquiring or disposing of other long-term assets
    • Investments in other businesses
  • Why It Matters: A business sometimes needs to invest to stay competitive and grow. Spending on new technology, better equipment, or expanded facilities can eventually increase your revenue. However, because these are major purchases, they can temporarily negatively impact cash flow. That’s not necessarily bad—it could simply mean you’re positioning your business for higher earnings in the future.

3. Cash Flow from Financing Activities

  • What It Covers: Cash movement related to funding your business, including:
    • Borrowing or repaying loans
    • Issuing stock to investors
    • Paying dividends to shareholders
  • Why It Matters: Reveals how you’re financing your business—whether through new debt, equity, or other means—and how you’re paying that money back. Financing decisions usually impact the company for a long time. For instance, a loan payment schedule or expectations from new investors can shape what you do with future cash.

How to Interpret Inflows and Outflows

  • Identify Trends Over Time: Look at your cash flow statement monthly or quarterly to see whether your cash flow is improving or declining. Is there a sudden dip in cash? Figure out why.
  • Focus on Operations: Healthy businesses typically generate positive cash flow from their operating activities. If your operating cash flow is negative, investigate which expenses are higher than expected or whether revenue is declining.
  • Evaluate Investment Decisions: Not all negative cash flow from investing is a bad sign. For instance, if you just purchased new equipment that will boost production, those outflows might lead to higher inflows in the future.
  • Check Your Financing Needs: If you’re borrowing money or issuing stock, make sure you understand how those funds are used and whether you have a plan to repay loans.

Practical Tips for Business Owners

  • Keep Organized Records: Accurate numbers make reading and interpreting your statement much easier.
  • Compare With Your Budget: Check actual cash flow against your forecasted budget to catch any inconsistencies early.
  • Track Key Ratios: Simple ratios—like the ratio of operating cash flow to current liabilities—help measure whether you’re generating enough cash to cover short-term obligations.
  • Seek Professional Support: Contact an accountant or financial advisor if you feel uncertain about interpreting your cash flow statement. They can help you identify any red flags and recommend ways to strengthen your financial position.

Using a cash flow statement, you can make smarter decisions, handle financial challenges, and plan for growth when you know where your money is coming from and where it’s going. You should do this regularly, either by yourself or with the help of an accountant if needed.

How to Set Up Recurring Customer Payments in QuickBooks Online

, , , , , ,

What Is a Recurring Payment?

A recurring payment is an invoice or sales receipt that automatically repeats on a schedule you choose—weekly, monthly, quarterly, or any frequency you need. When you set up a recurring payment, QuickBooks Online handles the repetitive work. You decide on the details and schedule; the program will do the rest.

This article will focus on automatic payments when you have the customer’s payment information on file. If you would like to learn how to set up a recurring customer invoice, read this article.

Step-by-Step Guide to Creating a Recurring Sales Receipt Transaction

  • Go to the Gear Icon in the upper-right corner of your screen.
  • Under the list menu, select Recurring Transactions. This will bring up a list of all your recurring items.
  • Click New in the top right corner to create your new recurring transaction.
  • Choose the Sales Receipt for the transaction type if you charge your customer’s card/bank account automatically (using QuickBooks Payments or another payment processor).
  • Name Your Template with a familiar name, like “Customer ABC Company Monthly Service Fee.” This will help you quickly find it later if you want to make changes.
  • Select Scheduled for the Type if you want QuickBooks to create, process, and send the receipt repeatedly automatically.
  • Set the Interval and Start/End Dates in the Interval section. In the Interval section, select how often you want the transaction to repeat (e.g., daily, weekly, monthly). Enter the Start Date (the first date you want this transaction to begin) and, if necessary, an End Date (the last date you want to charge them). You can leave this section blank or choose None if there’s no end date.
  • Select the Customer from the list and enter the Products/Services you’re charging for, the Rate, Quantity, and other relevant details. If needed, add discounts or Sales Tax (depending on your local rules).
  • Save the Template after double-checking your information for accuracy.

Tips for Success

  • Verify payment details to seeif you’re processing payments automatically.
  • Keep Customer Information Updated so receipts go to the right person or email address.
  • Review from Time to Time to ensure correct pricing, products, and services.

Automating these transactions minimizes errors and reduces the chance of forgetting to process your customers’ payments. Creating recurring payments in QuickBooks Online is straightforward, saves time, and improves cash flow.

The 13-Week Cash Flow Forecast

, , ,

One of the best tools to forecast cash requirements is the 13-week cash flow forecast. It can help a business owner predict what their cash balance will be 13 weeks in the future. It helps to answer whether there will be enough cash to cover payroll and bills for a particular week. If you’re having significant ups and downs in your cash balance, it’s the perfect tool to help gain clarity around your cash needs. Thirteen weeks may sound like an odd length to select, but it’s the length of a calendar quarter. This is the length of a financial projection that is typically used when a business is in financial distress; however, it’s also useful when a company is going through some ups and downs or simply wants to get a better handle on its cash requirements. The forecast computations start with entering cash receipts and cash disbursements into a spreadsheet. Start with actual spending and receipts for the first week, then use estimates for the remaining weeks. Include planned expenditures such as overhead, payroll, and loan payments. Add in inventory purchases. Project your receipts based on history or recent changes in your business. Once you’ve completed your forecast, you can make changes and do what-if scenario planning.  For example, if the forecast shows that you will run out of cash in week seven, you have some time to decide what you need to do to remedy the shortfall. Options might be:
  • Accelerate the collection of 30 percent of your receivables.
  • Dip into your line of credit to cover a portion the shortfall.
  • Furlough 10 percent of your workers.
Plug your selected scenario into the forecast to see how much that relieves your shortfall. The benefits of creating a 13-week cash flow forecast are many. You can see what actions need to be taken and when to take them well ahead of time. You can also see how much of an action you need to take. For example, instead of furloughing 50 percent of your staff, you may only need to furlough 25 percent.  Or instead of borrowing $50,000, you might only need $20,000. The cash flow forecast can also save time when developing your annual budget. Budgets are especially useful when business conditions are volatile or when business owners need all the clarity they can get. Try your hand creating a 13-week cash flow forecast for your business, or reach out to us for help any time.

105 Ways to Speed Up Cash Flow in Your Small Business

, , ,

One of the top challenges for small businesses is managing cash flow effectively. There are times when the most experienced business owner can run short just before payroll day or get into trouble because they didn’t plan for a large expenditure.

Not having enough startup cash causes a significant number of small businesses to fail each year. According to C2FO, three-quarters of small businesses need more cash for increased liquidity, expansion, inventory and equipment purchases, employees, research, and contingency planning.

In a 2016 report from JPMorgan Chase, most small businesses were found to have enough cash to cover only 27 days of expenses. And getting funding is no picnic, as more than a quarter of all businesses that apply for loans are turned down (NSBA).

The good news is there are more than a hundred ways to increase your cash flow, and some of them are very simple to implement. Here’s a list to help you manage your cash flow more effectively in your business. 

Receivables

Let’s start on the receivables side first.

  1. Invoice customers promptly. Make sure your invoices go out quickly, right after you’ve performed the service. If you’re waiting until the end of the month to invoice, you’re increasing your DSO (Days Sales Outstanding) and staying with decades-old habits that no longer serve your business.
  2. Send your invoices electronically. Invoices sent by email will get there faster and shave days off of the wait to get paid.
  3. Use fast payment methods, such as credit cards and ACH. Especially on recurring payments that happen month after month, set up automatic payments so you don’t have to worry about collection.
  4. Make deposits faster. If you’re waiting until the end of the week to make all of your deposits, change your practice to daily. You can make deposits with your cell phone now, so take advantage of these newer banking methods to speed up your cash flow.
  5. Make your invoices clear as well as fun. Nothing delays a payment more than an invoice that doesn’t have clear instructions on who to make the check out to, where to mail the check, what the bill is for, and what the total amount due is. Look over your invoice format and revise it if it’s not easy to understand. 
  6. Some customers may have specific invoicing requirements. This especially true for large companies, government agencies, and nonprofits. Meet their requirements so it won’t hold up your payment.
  7. Revise your payment terms. Payment terms like due upon receipt or net 30 days are too common. You will actually get paid faster with terms like net 13.
  8. Use a variety of payment options so customers can choose. Include popular credit cards such as American Express, Visa, Mastercard, and Discover. Consider letting clients pay by PayPal, Apple Pay, Amazon Pay, Google Pay, debit cards, digital wallet, echeck, paper check, ACH, cash, and if you are really adventurous, cryptocurrency.
  9. Offer an early pay discount to get paid faster, especially if the invoice is going to government agencies or large corporations. Some have policies that require that they take the discount.
  10. Collect the right amount of sales tax on all invoices. If you make an error on sales tax collection, you’ll need to make it up out of your own pocket. Make sure this liability is correctly recorded so you don’t overspend before it is remitted to the state.
  11. Pay attention to payments that fail. This includes credit cards that are declined, ACH collections that fail, and credit cards with expiration dates that are about to expire. Put processes in place to get these items corrected quickly.
  12. Implement a collection process for payments that are past due. Take action at key points, such as 7 days overdue, 14 days overdue, et cetera. Use your accounting software to re-send unpaid invoices.
  13. Run a credit report on any vendor that you plan to give credit to. Grant them credit as appropriate.
  14. Cut off services to customers who are past due more than 45 days (or a time frame you choose).
  15. Verify and maintain current contact information for all of your customers so invoices are timely received.
  16. When clients do pay, apply their payments promptly so they won’t get past due notices.
  17. Consider sending monthly statements to customers that have a large number of outstanding invoices.
  18. Review your accounts receivable aging report on a weekly basis and take personal action on the accounts that need your focus.

Payables

Here are some things to consider on the payables side.

  1. Record your bills in your accounting system so you can track what’s due.
  2. Enable credit card bank feeds in your accounting system if you make charges to your credit card.
  3. Don’t mix personal and business expenses. Even if you don’t have a business credit card, you can use one personal credit card to make your business expenses and that will keep them separate.
  4. Pay credit cards off each month if possible. If not, refinance to a lower interest rate.
  5. Make payments on the last day possible to avoid fees and to stretch your cash. You can easily do this with good accounts payable software.
  6. Take early pay discounts when offered.
  7. Avoid late fees by paying vendors on time.
  8. Set up approvals for purchases, even for owners, so that everyone has to think before they spend.
  9. Require monthly recurring fees to be re-approved at least once per quarter if not more often.
  10. Consider using purchase orders on purchases over a certain amount so that they can be pre-approved.
  11. Re-negotiate payment terms with vendors if needed.
  12. When paying bills, use three-way matching: the purchase order, the shipping receipt, and the invoice.
  13. Pay payroll taxes on time to avoid hefty penalties. Better yet, get a payroll system that makes payments for you and assumes the liability if they are late.
  14. Double-check invoices to make sure you made that purchase and to make sure you received the service or product you are being billed for. Many fraudulent bills are sent to unknowing companies.
  15. Put in place a process for duplicate bills so they are not paid twice.
  16. Track your check numbers to make sure there is no missing stock.
  17. Lock up your check stock and make sure only authorized personnel have access.
  18. Check with the bank every six months to view the signature card for your bank account. Remove any unauthorized people immediately.
  19. Track credit card access and use carefully. Cancel cards and accounts that you can’t account for.
  20. Calendar in annual contract renewals that have automatic payment setup 30 days before they renew. You may want to re-negotiate that contract and this is the time for the best leverage.
  21. Make charges to credit cards if you can manage them well. Then you’ll be able to dispute any payments that are not legitimate.
  22. While you might not get a tax bill, you should make tax projections and pay estimated taxes throughout the year so you don’t have a huge liability and penalties in the spring.
  23. Make loan payments timely to avoid late fees.

Cash Management

In the area of cash management, there are lots of tips:

  1. Prepare a cash report daily to track cash in and out to get a better feel for what your company needs. The average small business brings in and takes out about $350 each day.
  2. Create an annual budget and stick to it. That way, you’ll know exactly what you need to do to reach your profit goal.
  3. At least weekly, review your cash in and out to get a feel for how your balance fluctuates.
  4. Know what your bank charges you on a monthly basis. Shop around for better bank fees if yours is too high.
  5. Make sure your merchant fees are competitive. If you are paying too much, look for a better merchant services vendor.
  6. Does your business have cash expenses? If so, create a petty cash fund, keep the receipts, record the transactions properly, and replenish the fund correctly.
  7. If your business is seasonal, prepare for the slow times so you are not caught by surprise.
  8. Periodically check your credit score to make sure there is no fraud or identity theft.
  9. Stay up to date on your accounting, especially your bank reconciliation, so there are no chances for overdraft and the expensive fees and embarrassment that goes with it.
  10. Make sure you have the best accounting system for your business. Too little can cause errors and inadequate data. Too much and your learning curve and time spent are too high.
  11. A great cash trick is to hide some of it for a rainy day. This can be done a couple of ways. If your cash balance is $15,000, record it as $10,000 so you have a $5,000 cushion. Never go below the $10,000 with your spending.
  12. Do a cash flow projection on a regular basis. If you have a loan, you may be able to pay it off quicker, saving interest fees. Or you may need to borrow more.
  13. Just because you have credit doesn’t mean you should use it. Borrowing more than you need causes excess interest expense which reduces profits.
  14. Plan for slow times, emergencies, sicknesses, or other disasters by having some cash set aside, enough to cover at least 60 days of expenses.
  15. Work with a professional to create a cash flow forecast for several months in the future. This can be done with cash flow software or financial dashboard software. Done well, you’ll be able to see the future of your business. Some software will also let you do what-if analysis so you can plan for large purchases.

Revenue Generation

  1. Review your sales reports every month for accurate classification and reasonableness.
  2. Compare your actual sales with your sales forecast. Adjust your marketing plan, budget, projections, and forecast as needed.
  3. Manage your pipeline of prospects to make sure it is always full. You should always have activity for collections coming in, receivables being billed, customers being serviced, estimates awaiting approval, and prospects calling, making appointments, or visiting the store or office.
  4. Offer clients a range of shipping options so they can get their items in the timeframe they need.
  5. Make sure sales forecasts are realistic, especially with an eye to seasonal and market fluctuations.
  6. Are you spending intelligently when it comes to marketing? Track each campaign and repeat only the ones that are generating a good return on investment for you.
  7. Determine the right metrics to track for your business so you can stay on top of your business’s revenue performance and make smart business decisions.

Expense Management

  1. Review your income statement expense balances every month for accurate classification and reasonableness.
  2. Compare your actual expense balances with your budgeted expenses and manage the differences. Adjust the budget, projections, and forecast as needed.
  3. Before purchasing items from a vendor, get three estimates from various vendors. This keeps you from buying in the heat of the moment and becoming vulnerable to an aggressive salesperson.
  4. Before you purchase, ask yourself if it’s necessary and if you will really get a return on investment from it.
  5. Before you hire, make sure your customer processes are as lean and efficient as possible.
  6. When you hire, make sure you’ve planned for the learning curve/training period based on skill set.
  7. Don’t forget that employee benefits, raises, vacations, and sick time are all part of the overhead your business must incur. This should all be factored into the pricing you have for your products and services.
  8. How much do you pay yourself? If your business is set up as a corporation, you must adhere to the reasonable compensation rules.
  9. There are a gazillion ways to improve cash flow through better inventory management. Take inventory frequently so that it is accurately represented on your books.
  10. If you have inventory that hasn’t sold in over a year or whatever period is right for your business, consider holding a sale, discontinuing these items, or scrapping them to free up room for more profitable items.
  11. Does your inventory get stale or yield scrap parts? Consider selling it or donating it for a write-off that helps your bottom line.
  12. Do you frequently sell items that are out of stock? Consider higher re-order points so that you improve customer service and don’t lose the sale.
  13. Do you have too much inventory? Excess inventory that doesn’t turn quickly enough can results in higher interest expense, lower cash flow, increased facility expense, and decreased opportunity. Sell it down and lower your re-order points accordingly.
  14. Create an inventory forecast and automate your re-order points for the best management approach.
  15. Do you have a lot of returns? Track them to see if they are coming from a particular vendor or item so you can troubleshoot the deeper problem.
  16. Make sure you have a good process for returns so that your customer service is performed well, the item can be re-sold quickly, and any vendor credit can be processed swiftly.
  17. Are you missing out on sales because your space is not big enough? Consider increasing your warehouse.
  18. Manage your shipping costs by making sure you are covering them either in your shipping fees or your product prices.
  19. Shop frequently for the best deals in shipping costs if you have high enough volume.
  20. Evaluate your customers by geographic location and set up your warehouses to minimize distribution and shipping costs.
  21. Do you have a lot of unused stuff all over the office? Get on Craigslist or Letgo.com and have a “garage sale” or donate the items to charity. It may not increase your cash flow much, but it will lift your energy.
  22. Do you work out of an office and pay a high rent? If you offer services that can be delivered virtually, consider working from home to save rent and utilities.
  23. If you need to meet clients face to face, consider renting a shared office space where you have access to a nice meeting area. These virtual shared office spaces are popping up all over the country.
  24. If you have to rent an office, cut down on utilities by turning the lights out when you leave a room or close for the day.
  25. Watch out for recurring expenses that you might not be using any longer. Magazine subscriptions, networking memberships, club dues, gift clubs, and even software apps can add up. Cancel them if you are not using them.
  26. Insurance costs can sneak up on you as an annual bill. Make sure you are covered but not over-insured, and shop around for the best deal.
  27. Frequently re-negotiate contracts for cell phones, voip lines, 800 numbers, internet access and other vendors that give better deals to new customers than they do long-time customers. You’ll save a bundle!
  28. Create extra approval steps for expensive items such as travel, capital expenditures, new hires, and new loans. These can be very expensive and can disrupt profit and cash flow.
  29. Create a travel policy if you have employees that travel for business. They need to limit their expenses to what’s reasonable and necessary for the trip.
  30. Plan ahead on travel expenses so flight costs are not so high. Make deals with hotels if you are a frequent guest.
  31. Determine the right metrics to track for your business so you can stay on top of your business’s expense performance and make smart spending decisions.

Profitability

Your profitability has a huge impact on cash. Here are some tips to consider in that area.

  1. If your products and services are not priced to cover costs and overhead and profit, then all bets are off for proper cash management. It will just be a matter of time before you go out of business. Make sure your prices and sales volume can cover your expenses by doing frequent price reviews.
  2. Do you know your break-even point? That’s how many products and services you need to sell to cover your direct costs and your overhead. Be sure your sales volume is high enough for you to break even and earn a profit for all your troubles. 
  3. It’s easy to get mixed up and think your cash balance in the bank is the same as your profit. It’s not! Your cash simply reflects one account in your balance sheet and is a small but important part of your business. Profit is the key number to manage to in order to make sure your business is viable and has a future.
  4. It’s fun to grow your business quickly, but it can be very difficult to manage cash flow if your business is growing at an out-of-control pace. Get help from a professional who has been there before if your business is on the fast track.
  5. If you’ve gotten venture capital funding for your business, it needs to be carefully managed. No team trips to Hawaii should be approved until you have a solid budget and are consistently making your sales goals.
  6. Determine the right metrics to track for your business so you can stay on top of your business’s profitability performance and make smart business decisions.
  7. If you are pricing by estimating job costs and labor, perform a periodic review of job profitability when the job’s expenses come in. Make changes in the way you estimate the jobs if your profit falls short.
  8. If you price by packages, make sure your profit level averages your goal across clients. If not, adjust your package prices.
  9. If you have labor overruns in your jobs or manufacturing process, create a process to assess the reason for these overruns. Make the necessary changes that you need in your business to reach the profit goals you’ve set.
  10. Run profitability reports by project, job, or product to learn more about how you can best manage your profitability. You should know which items, services or jobs are most profitable, and this can feed into your marketing for more proactive results.
  11. Above all, have fun running your business and reward yourself when you do reach your profit and cash goals.

We hope these tips help you manage your cash better in your business. If you have questions about any of these or need further guidance, please reach out.

Our goal is to help you succeed in your business, and we’d love to find out more about you, your business, and your accounting needs.

Give us a call, email us, or schedule a time on our calendar so we can talk.

Download the PDF version of “105 Ways to Speed Up Cash Flow in Your Small Business” here.