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: small business
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 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.
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.
QuickBooks Cash Flow Forecast: How Finoya Builds a Rolling 90 Day View
QuickBooks dates receipts from invoice terms. Customers pay 29.3 days on average, nine days late. That gap is where most forecasts go wrong.
Scenario Planning Software: The Nine Things It Has to Do Before You Buy
Nine requirements for scenario planning software, and the three most tools fail. Growth with slower collections is often the worst cash case.