https://soyconstante.com/en/blog/ Practical articles on cash management, collections, margins and financing for small businesses, with euro examples and no jargon. en-gb Tue, 03 Nov 2026 09:00:00 GMT https://soyconstante.com/en/blog/8-week-cash-flow-forecast/ https://soyconstante.com/en/blog/8-week-cash-flow-forecast/ Tue, 03 Nov 2026 09:00:00 GMT How 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. https://soyconstante.com/en/blog/get-paid-sooner-without-losing-customers/ https://soyconstante.com/en/blog/get-paid-sooner-without-losing-customers/ Tue, 03 Nov 2026 09:00:00 GMT Practical ideas to shorten your small business’s average collection period without damaging customer relationships, and what Spain’s late payment law says. https://soyconstante.com/en/blog/profit-is-not-cash/ https://soyconstante.com/en/blog/profit-is-not-cash/ Tue, 03 Nov 2026 09:00:00 GMT Why 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. https://soyconstante.com/en/blog/short-term-financing-for-small-businesses/ https://soyconstante.com/en/blog/short-term-financing-for-small-businesses/ Tue, 03 Nov 2026 09:00:00 GMT What a credit line, invoice advance, factoring and confirming are, what each one really costs and when each fits your small business. https://soyconstante.com/en/blog/what-the-bank-looks-at-before-lending/ https://soyconstante.com/en/blog/what-the-bank-looks-at-before-lending/ Tue, 03 Nov 2026 09:00:00 GMT The indicators a bank reviews before lending to you (debt/EBITDA, interest cover, liquidity) and how to prepare them when asking for financing.