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July/August 2026
Importance of Managing Cash Flow
Effective cash management is the first step to making sure you have enough funds to meet your business's financial obligations. Cash planning helps you increase inventory, expand to new locations, and pursue other growth opportunities. It requires the focus and skills of everyone on your management team.
Providing a Snapshot
Your business's cash flow statement is an essential document. It records the cash coming in (inflows) and cash going out (outflows), including cash from operating, financing, and investing activities. The bottom line shows the amount of cash available to the company. It's a helpful starting point for your planning.Maximizing Available Cash
Maximizing cash on hand should be a primary goal in managing cash flow. You can speed up collections by encouraging electronic payments and credit card use, and by offering customers discounts for prompt payments. Delay cash outflows by postponing payments to vendors as long as possible to keep more cash available. Implementing a purchasing plan can also help prevent your business from holding excess inventory without receiving payment, which can tie up cash in unsold goods.Having Adequate Insurance
Business insurance protects you from financial setbacks caused by accidents, natural disasters, product defects, and legal claims. You can purchase individual policies for each risk or opt for a business owner's policy that combines all coverage options. Bundling is generally more cost-effective. Business owners with a home-based business who might not need extensive coverage can add a rider to their homeowner's policy, offering protection for a small amount of business equipment and liability coverage for third-party injuries.Coordination is Key
Maintaining close relationships with your financial, legal, and tax professionals can provide the guidance needed to keep your business running smoothly. Financial and tax planning are essential activities for small business owners. Having professional guidance can offer an unbiased perspective to your efforts and help you better manage your business's cash flow.CONTACT US
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Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
FRESCO Financial Advisers and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
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