If you are like many of the busi­ness own­ers that we work with, you are scroung­ing togeth­er how to main­tain as much busi­ness as pos­si­ble dur­ing these tough eco­nom­ic times and try­ing to keep up on all of the relief loans and pro­grams all at once. We are over­loaded with new infor­ma­tion that comes out every­day on these pro­grams and it can seem over­whelm­ing. This is where we come in. Our team has been ded­i­cat­ed to stay­ing on top of the ever-chang­ing envi­ron­ment and pro­grams that have come out over the past few weeks. For a one-time cost, we are help­ing small busi­ness­es apply for both the Dis­as­ter Loan as well as the Pay­check Pro­tec­tion Pro­gram. We also assist you in main­tain­ing the eli­gi­bil­i­ty and for­give­ness require­ments of each loan, so that you are receiv­ing the max­i­mum ben­e­fit that you can. This way, you have one less thing to wor­ry about and can con­tin­ue to focus on your busi­ness while we get you the mon­ey in your pock­et.

 

Cash flow is the most important thing for any small business. This is why we have created two tools to help you manage it closely, without having to be too bogged down in the data.

 

Cash Headroom Template

The cash head­room tool is a great tool to use for mon­i­tor­ing your cash flow in nor­mal con­di­tions or when cash is not extreme­ly tight. This tool helps you cal­cu­late your short term cash by adding your cash, accounts receiv­able and avail­able line of cred­it, while sub­tract­ing your accounts payable and cred­it cards. This nets to a cash head­room (deficit) depend­ing on cur­rent cash con­di­tions. This tool will map this out graph­i­cal­ly so you can clear­ly see your cash flow trends over time. We rec­om­mend that you set a goal line and a warn­ing line so you can quick­ly gauge your cur­rent cash posi­tion com­pared to where you would like it to be and com­pared to tight cash flow lev­els.

Cash Flow Projection Template

The cash flow pro­jec­tion tool is a great tool to use for mon­i­tor­ing your cash flow in times when your cash is stretched or extreme­ly tight. This tool helps you take a deep dive into all of the aspects of your cash flow: accounts receiv­able, accounts payable, oper­at­ing expens­es, pay­roll and dis­tri­b­u­tions. Once you have your base­line num­bers entered, this tool will cal­cu­late how many more weeks you have until you run out of cash flow. You can then ana­lyze and deter­mine what expens­es will need to cut in order to sus­tain pos­i­tive cash flow.