Owner’s Draw: The Line Item Most Small Business Cash Forecasts Leave Out
An owner’s draw never hits the P&L, so profit based forecasts miss it. Learn how to add the draw and the tax payment to your cash flow forecast in five steps.
Category: financial planning and analysis
Revenue Per Business Rose 1.68% in September While Employment Fell. What a Hiring Freeze Does to Cash
Small business revenue held in September while headcount fell. Here is what a hiring freeze does to cash, and a four step test for hire or hold decisions.
The Fed Hiked in September. Here Is How to Reprice Your Variable Rate Debt in Your Cash Forecast
Prime rose to 7.00% on September 17. See what a quarter point costs on a drawn credit line and how to reprice variable rate debt in your cash flow forecast.
The Q4 Conversation Bookkeepers Should Be Having With Clients About Cash
A client asking about a tax deduction is really asking a cash flow question. Here is how bookkeepers turn Q4 categorization into advisory work.
The Q4 Cash Flow Checklist Every Small Business Should Run Before December
Holiday payroll shifts, slow collections, and retainage delays all hit in Q4. Here is the checklist to run in September before they become a crisis.
What the 2026 Rate Cuts Actually Mean for Your Small Business Cash Flow
Lower rates did not make small business borrowing cheaper. Here is what actually changed since 2025’s rate cuts, and where the opportunity really is.
The Q4 Cash Calendar: What to Map Before October 1
Q4 can deliver your best sales quarter and your worst cash position. Map the committed outflows week by week before October removes your options.
The Weekly Cash Meeting: Who Sits In It and What 30 Minutes Has to Cover
Forecasts rarely fail on the maths. They fail because nobody owns collecting the inputs. Here is the 30 minute weekly cash meeting that fixes it.
SBA Lenders Hit a 30 Year Low. The Small Loan Is Not Coming to Close Your Cash Gap.
SBA 7(a) participating lenders fell to 1,141, a 30 year low, and sub $500K loans dropped roughly 38%. The credit backstop for slow collections has thinned.
Optimism Is 99.8. Uncertainty Is 91. That Gap Is Your Forecasting Problem.
Optimism rose to 99.8 while the NFIB Uncertainty Index hit 91 against a 68 average. Owners are committing to payroll they cannot yet see paying for.