How to Write a Collections Policy That Gets Invoices Paid Faster Without Losing Customers
A written collections policy with a dated follow-up schedule gets invoices paid sooner — set terms, automate reminders, call at day 15, hold credit at day 45.
#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
Propane and Heating Oil Delivery Bookkeeping: Run Your Business by the Gallon, Not the Percentage
Price fuel in cents per gallon, book prebuy cash as deferred revenue, and forecast from heating degree-days to survive warm winters.
One Late Payment Away From Missing Payroll? What the 2026 Numbers Say About Your Cash Buffer
One late payment threatened payroll for 39% of owners; 59% carry invoices 30+ days overdue. Deposits, shorter terms, and a cash buffer fix it.
Chewy FY2026 Q2 Earnings: 84.6% Autoship, $80.5M Net Income
Chewy's 84.6% Autoship share measures customer spending, not contracted revenue: Q2 sales rose 7.3% to $3.33B while free cash flow fell 15.5% to $89.5M.
Counterfeit Bills at the Register: Train Your Cashiers to Catch Fakes Before They Cost You
Counterfeits you accept are your loss — no reimbursement. Train cashiers on feel-look-tilt checks, UV verification, and Secret Service Form 1604 reporting.
Venture Debt for Early-Stage Startups: Borrow Runway Without Selling the Company
U.S. startups borrowed a record $68.8B of venture debt in 2025. Warrants cost 1-5% dilution, but covenant breaches - not missed payments - trigger most defaults
Bounced Checks and NSF Fees: How to Book Returned Checks, Bank Charges, and Redeposits Without Double-Counting Revenue
A bounced check reverses the deposit and reopens the receivable — book the NSF fee as its own expense and apply the redeposit to the invoice, never to revenue.
September 30 Is Coming: How Small Contractors Can Win a Share of the Federal Q4 Spending Sprint
Agencies obligate 30–40% of annual contract dollars in Q4, peaking in September — how a small firm gets SAM-ready and quotes fast enough to win a share.
Why the Gap Between Your Food Truck's Cash Drawer and POS Report Is an Auditor's Favorite Red Flag
IRS and state auditors start with the gap between your POS Z report and your drawer count. Log paid-outs, deposit intact, book the rest to Cash Over and Short.
FASB Proposes Treating Stablecoins as Cash Equivalents: What It Means If Your Business Holds USDC
FASB's August 2026 proposal would let a stablecoin sit in the cash line only with direct issuer redemption, 1:1 segregated reserves, and annual disclosure.
Pay-As-You-Go Workers' Comp: Stop Fronting Premiums on Payroll You Haven't Run Yet
Pay-as-you-go workers' comp bills each payroll on actual wages instead of estimates — no big deposit, smaller audit surprises, smoother cash flow.
SBA Express Loans, Explained: $500,000 With a 36-Hour SBA Turnaround
SBA Express lends up to $500,000 with a 36-hour SBA response and a 50% guarantee — faster than standard 7(a), but lenders set a higher credit bar.