Skip to main content

#cash-flow

Cash Flow

Track and optimize cash flow for better financial health and stability

456 postsView all tagsBack to All Posts
14 min read

NVIDIA Q2 FY2027: $96.2B Revenue, $59.7B Net Income — and Operating Cash Flow Cut in Half

NVIDIA's Q2 FY2027 revenue reached $96.2B (+106% YoY) on $59.7B of net income, yet operating cash flow fell 52% sequentially to $24.1B — accounts receivable rose $22.3B and DSO went from 45 to 60 days on extended payment terms. In the same quarter NVIDIA issued $25B of debt, returned $26B to shareholders, and disclosed guarantees of up to $105B for a single data-center campus. Full cash-flow bridge, balance sheet and FY2024–Q2 FY2027 history in a public Beancount ledger.

Mike Thrift

financial-reportingfinancial-analysiscash-flow
13 min read

American Express Graphite and the New $895 Platinum Fee: A Business Owner's Guide to Budgeting Corporate Cards Without Losing the Math

Amex launched the Graphite Business Cash Unlimited at $295 with 2% unlimited cash back and raised Business Platinum to $895 in 2026. Learn how no preset spending limit affects forecasts, how to book annual fees and 2%–5% rewards correctly, and a framework to compare effective fees, credits, and cash flow before you renew.

Mike Thrift

bookkeepingsmall-businessfinancial-management
13 min read

QuickBooks Online Just Raised Advanced to $340 a Month — What to Do Before Your Next Bill

Intuit raised QuickBooks Online prices on August 1, 2026 for renewals — Essentials to $85, Plus to $140, and Advanced to $340 a month (70%). Learn which plans changed, how the per-user and per-company math stacks up, the 12-month renew-vs-downgrade-vs-switch framework, and the bookkeeping checklist to keep your audit trail and cutoff clean.

Mike Thrift

accounting-softwarequickbooksbookkeeping
13 min read

Revenue-Based Financing vs. Merchant Cash Advance: What You're Really Paying and How to Keep the Books Clean

A $50,000 advance at 1.30x costs $15,000 either way — but repaid over 20 months at 8% of revenue it annualizes near 18%, while the same fee via $400 daily debits over 7 months behaves like 80%+ APR. Learn how to convert factor rates to comparable APRs, when RBF vs. MCA fits, and the liability and processor-reconciliation entries that keep your books honest.

Mike Thrift

revenue-based-financingmerchant-cash-advancefinancing
14 min read

When Your Subsidy Check Follows Attendance, Not Enrollment: A Daycare Owner's Guide to the 2026 CCDF Flexibility Rule

HHS's May 12, 2026 final rule restoring CCDF flexibility rescinded four 2024 mandates — the 7% co-payment cap, grants-or-contracts set-aside, prospective payment, and enrollment-based billing — effective July 13, 2026. Learn what attendance-based reimbursement means for daycare cash flow, how the 85% and five-day absence thresholds work, and which bookkeeping habits keep subsidy revenue predictable.

Mike Thrift

childcarecompliancebookkeeping
19 min read

FMCSA's $75,000 Freight Broker Bond Is Finally Enforceable: What the January 2026 Suspension Clock Means for Your Authority

FMCSA's broker financial-responsibility rule took full effect January 16, 2026, adding a seven-business-day cure clock, electronic shortfall notice, and a cash-liquidity standard for BMC-85 trusts. This guide covers the four rule changes and the bookkeeping controls that keep a $75,000 bond available on short notice.

Mike Thrift

truckingcomplianceworking-capital
15 min read

Why 2 in 3 Small Business Owners Lose Sleep Over Money — and the Bookkeeping Habits That Actually Help

A 2026 survey of 781 U.S. small business owners found 68% lose sleep over money monthly and 41% name cash flow timing — not totals — as their biggest stressor. Five bookkeeping habits reduce that anxiety: a 13-week cash flow forecast, separate bucket accounts, a weekly money date, faster invoicing, and a defined cash buffer.

Mike Thrift

small-businesscash-flowbookkeeping
Start Free→Documentation