Chasing Unpaid Invoices Without Hiring a Collector: The 7/15/30-Day Dunning Playbook
A 7/15/30-day dunning cadence with aging reviews, written payment plans, and credit holds recovers overdue balances without paying an agency 15–30 percent.
#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
CD Laddering for Your Business Emergency Fund: Keep Cash Liquid While Earning Top Yields
A CD ladder staggers business CDs so one matures every quarter — your reserve stays liquid while earning 4% instead of 0.4%.
Your Holiday Sales Are Coming Back in January: A Small Seller's Guide to Budgeting E-Commerce Returns
About 17% of holiday e-commerce sales come back, at $20–$30 per return to process — reserve cash in November, accrue the liability in December.
Where to Keep Business Cash Above the $250,000 FDIC Limit
Business deposits above $250,000 per bank are uninsured. Split cash across banks, use ICS or CDARS sweeps, or hold T-bills to close the gap.
Why Collecting All Your CSA Payments in April Is the Wrong Default
April lump-sum CSA billing suppresses signups and fakes a cash cushion. Default to a deposit plus installments, and book shares as unearned revenue.
Sign Painter Bookkeeping: Pricing Per Square Foot, Costing Gold Leaf, and Weather Days
Price sign jobs per square foot, bill gold leaf and lift rental to the job, and keep cash reserves for weather days.
Asphalt Paving Contractor Bookkeeping: Per-Ton Job Costing, Crew-Day Rates, and Surviving the Winter Cash Gap
Reconcile plant tickets to tons weekly, load crew-day rates with burden and iron, and bank 8-12 weeks of overhead before winter shuts paving down.
Can't Make Your Loan Payments? How Business Loan Forbearance Works (and What It Costs You)
Business loan forbearance pauses payments for 3–6 months, but interest accrues and skipped amounts come due after — ask your lender before you miss one.
Carnival FY2026 Q3 Earnings: Debt Fell, but Cash Fell Faster
Carnival's Q3 FY2026 revenue rose 3.5% to $8.4B and net income hit $1.92B, yet a $977M debt paydown left net debt almost flat as cash fell $1.02B.
Micron FY2026 Q4 Earnings: An $85B Year, With Cash to Match
Micron's FY2026 revenue rose 256% to $133.2B and net income hit $85.0B; $62.3B of adjusted free cash flow backs it, but $12.7B of deposits carry obligations.
Business Line of Credit vs. Term Loan: How to Choose the Right Financing in 2026
A line of credit charges interest only on what you draw; a term loan charges it on the full sum from day one. Use lines for cash gaps, loans for assets.
Free Cash Flow Conversion: The Ratio That Tells You Whether Your Profit Is Actually Cash
Healthy FCF conversion runs near 80% of EBITDA; below 50% means receivables, inventory or CapEx are eating profit. Formula, benchmarks and fixes.