When a business is not paid for weeks after a sale, it is effectively providing short-term financing to their customers, something called “trade credit.” This type of credit can be valuable for small businesses, but the maintenance of timely payment relationships between businesses and their suppliers takes time to achieve and must be managed carefully. […]
Time and time again at the Merchant blog, we’ve pressed the idea that accounting for seasonality should be one of the most important elements in any small business’ financial plan. What is your business’ strategy to overcome periods of low activity, whether in your industry or in the wider economy in times of slowdown or recession? If […]
Despite the fact that small businesses are uniquely positioned to pivot in the face of changes in their market, it’s a fact of life that unexpected events may cause your cash flow to be temporarily altered, suspended or limited. Whether these occurrences are due to mismanagement, natural forces, supplier conflicts or the impact of broader […]
“Cash is king” goes the saying when it comes to business practices. While it still holds true that maintaining a steady cash flow is extremely important for the health of your small business, the value of that expression may be changing for your customers. The King Dethroned In a study for the Bank of Canada, Ben […]
We live in a world where unexpected things can happen. Prices of goods may change on a dime. Regulatory policies may be introduced or modified in a certain industry that will change the way your business interacts with its target market. And occasionally, instances of injury, professional liability, negligence, wear or damage to equipment may rear […]
As a small business owner, you know that cash flow is one of the most important metrics for success.One of the most important principles that keeps a business’ cash flow active and increases its liquidity is the ability to invoice accurately and receive payment from your customers promptly. Whether you’re a freelance operation or a company […]
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