Blog
Cash management, collections, margins and financing for small businesses, explained with euro examples and no jargon.
- Cash flow forecast: how to spot a cash dip 8 weeks aheadHow to build an 8-week cash flow forecast from your real collections and payments, spot a cash dip in time and decide what to do first.
- How to get paid sooner without losing your customersPractical ideas to shorten your small business’s average collection period without damaging customer relationships, and what Spain’s late payment law says.
- Profit is not cash: why a profitable company can run out of liquidityWhy a small business that makes money can run out of cash: collections that stretch out, stock that doesn’t turn over and growth that has to be financed.
- Credit line, factoring or confirming: which short-term financing to chooseWhat a credit line, invoice advance, factoring and confirming are, what each one really costs and when each fits your small business.
- What the bank looks at before lending money to your small businessThe indicators a bank reviews before lending to you (debt/EBITDA, interest cover, liquidity) and how to prepare them when asking for financing.
See your cash for the next 8 weeks
With a free account, My cash tells you what happened this month, how your cash will go day by day over the next 8 weeks with your real invoices and what to do first. And you get the 30-indicator calculator.