Team Cash Flow Mike

Imagine this. A shop owner slides Tuesday’s sales report across the counter to her bookkeeper. Friday and Saturday are busy, but Tuesday has become the day she dreads paying people to stand around. This is an instructional composite. The people, dialogue, sales, expenses, and proposed changes are hy

Imagine this. An owner and a bookkeeper are looking at next month’s production schedule. There are gaps between customer jobs, and the owner wants to fill them by making another 1,000 units of a standard part. This is a composite for instruction. The people, dialogue, figures, and proposed productio

Imagine this. A parts distributor’s owner points to the sales report during a meeting with the bookkeeper. A regular product sells for $100, and the units on the shelf cost $60 each. This is a composite for instruction. The people, dialogue, prices, and payment dates are hypothetical. “We’re making

Imagine this. A distributor’s owner brings a new supplier quote to the bookkeeper. The next stock order would cost $18,000 instead of $20,000, with the same quantity and an expected delivery in week four. This is a composite for instruction. The people, dialogue, quotes, and all company figures are

Imagine this. An employee asks the owner of a repair shop, “Could we get paid every Friday?” The shop pays every other week. The owner wants to help employees manage their bills, but a raise for the whole crew would be difficult right now. Paying the same wages more often sounds like something the b

Imagine this. A small distributor’s owner brings a stack of delivery slips to the monthly review. One regular customer has placed four $60 orders this month, each shipped separately. The customer pays promptly, and every invoice shows a healthy product margin. “We need a $100 minimum. These little o

Imagine this. An owner wants to reserve space at a trade show. The commitment is $30,000, and the organizer needs an answer before a prospective customer decides on a large order. The sales manager gives the order a 50% chance of closing. If it closes on the proposed terms, the customer would pay $8

A bank balance cannot answer whether the client is okay. Use the 13-week cash forecast to connect the number to the next dated decision.

Imagine this. An owner and her bookkeeper are looking at the next payroll. Customer payments haven’t caught up with the bills, and the owner has already opened her personal banking app. “I can put in $30,000. That should get us through.” She has savings, equity in her home, and a business she believ