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Building a cash buffer: How you can tackle a cash flow crunch
Financial Management
array:2 [506 =>Drupal\node\Entity\Node {#6839 #entityTypeId: "node" #enforceIsNew: &2null #typedData: null #cacheContexts: [] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #values: &3array:38 [ "nid" =>array:1 [ "x-default" => "506" ] "vid" =>array:1 [ "x-default" => "4835" ] "type" =>array:1 [ "x-default" => "article_content" ] "uuid" =>array:1 [ "x-default" => "f86503a0-2379-4b5d-9ed7-ee11a8d324b6" ] "langcode" =>array:2 [ "x-default" => "en" "za" => "za" ] "revision_uid" =>array:1 [ "x-default" => "100" ] "revision_timestamp" =>array:1 [ "x-default" => "1724828886" ] "revision_log" =>array:1 [ "x-default" =>null] "revision_default" =>array:1 [ "x-default" => "1" ] "isDefaultRevision" =>array:1 [ "x-default" => "1" ] "status" =>array:2 [ "x-default" => "1" "za" => "1" ] "uid" =>array:2 [ "x-default" => "4" "za" => "100" ] "title" =>array:2 [ "x-default" => "Building a cash buffer: How you can tackle a cash flow crunch" "za" => "Building a cash buffer: How you can tackle a cash flow crunch" ] "created" =>array:2 [ "x-default" => "1709902837" "za" => "1724828860" ] "changed" =>array:2 [ "x-default" => "1718709228" "za" => "1724828886" ] "promote" =>array:2 [ "x-default" => "0" "za" => "0" ] "sticky" =>array:2 [ "x-default" => "0" "za" => "0" ] "default_langcode" =>array:2 [ "x-default" => "1" "za" => "0" ] "revision_translation_affected" =>array:2 [ "x-default" =>null "za" => "1" ] "publish_on" =>array:2 [ "x-default" =>null "za" =>null] "unpublish_on" =>array:2 [ "x-default" =>null "za" =>null] "publish_state" =>array:2 [ "x-default" => "_none" "za" => "_none" ] "unpublish_state" =>array:2 [ "x-default" =>null "za" =>null] "content_translation_source" =>array:2 [ "x-default" => "und" "za" => "en" ] "content_translation_outdated" =>array:2 [ "x-default" => "0" "za" => "0" ] "body" =>array:2 [ "x-default" =>array:1 [0 =>array:3 [ "value" => """ <p class="zw-paragraph" data-doc-id="4504799000026303906" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"underline","ff":"Roboto","fw":"bold","size":"11","type":"text"}">Uncertainty is possibly one of the most predominant moods running through most businesses today. Between employee turnover and a tumultuous global economy, staying competitive as a small or mid-sized enterprise has become challenging. But there are a few ways to make you can weather any storm that the future holds, and having a cash buffer is one of them.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}"><span class="EOP"><img alt="how-to-build-cash-buffer-cash-reserve" class="alignnone size-medium wp-image-62458 img-popup" decoding="async" fetchpriority="high" height="450" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/cashbuffer-800x450.png" srcset="/sites/books/academy/files/cashbuffer-800x450.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer-1160x653.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer-768x432.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer.png 1200w" width="800" /></span></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">What is a cash buffer?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">A cash buffer, also known as a cash reserve or a reserve fund, is the amount your business has set aside for any unplanned expenses. Think of it as a piggy bank (but with more value and returns), where you’ve got money kept aside for a rainy day—you never know when you might need it, but when you do, it can make the difference between keeping your operations running smooth and having to shut shop.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Why is a cash buffer important?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">In a study by <a href="https://hbr.org/2020/04/a-way-forward-for-small-businesses" rel="nofollow noopener" target="_blank">Harvard Business Review</a>, businesses that had less than two months of cash on hand as a buffer struggled to continue their business. Any fluctuations in seasonal sales can lead to some months being very profitable while others may not be. During these slow phases (and especially if you add a global crisis to the mix!), your business may need to pull money from its reserve fund to balance out the lack of sufficient revenue. And this goes for more than just seasonal sales and economic downturns. One of the most common issues that a business faces is inaccurate forecasting. For instance, you may think you’ll sell 1,000 units, but you may only sell 650. Cash buffers can help sustain your business through this as well.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Preparing a <a href="https://www.zoho.com/books/guides/cash-flow-forecast.html" rel="noopener" target="_blank">cash flow forecast</a>, where you allocate funds and calculate receivables and payables, can help you plan out the future trajectory of your accounts to a certain extent. However, it’s impossible to predict every expense that could come your way. There may be a client who defaults on their payment, a surge in interest rates, or even a natural disaster that would require you to shell out more money to maintain your business needs. Building a cash reserve would help you manage unexpected expenses as well as your liquidity needs during a <a href="https://www.zoho.com/books/articles/here-are-the-top-7-cash-flow-mistakes-that-can-cripple-your-small-business.html" rel="noopener" target="_blank">cash flow crunch</a>, so you wouldn’t be pressured by financial anxiety or have to shut down your shop simply because of low funds.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Even without a crisis, your business can still fall back on this reserve to back up a new growth opportunity. There may be a sudden investment to make, or a new branch you may want to open to expand your business. At such times, you can tap into your cash buffer. Having a cash buffer increases your confidence when making large business decisions, gives you more opportunities to take calculated risks, and protects you when the going gets tough.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">How much of a cash buffer do you need?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">The amount of cash you’d need to reserve depends on your business. <a href="https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/institute/pdf/jpmc-institute-small-business-report.pdf" rel="nofollow noopener" target="_blank">JPMorgan Chase Institute’s findings</a> reveal that businesses are more resilient when they have a reserve equal to 62 cash buffer days or more. Furthermore, a survey conducted by <a href="https://www.bankrate.com/banking/savings/emergency-savings-survey-july-2021/" rel="nofollow noopener" target="_blank">Bankrate</a> states that it’s great to have at least 3-6 months worth of expenses saved up as an emergency fund in today’s world.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">However, before you decide the amount based on what’s commonly suggested, consider these factors:</p>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business’s current and past performance, and the volatility of your <a href="https://www.zoho.com/books/guides/how-is-cash-flow-calculated.html" rel="noopener" target="_blank">daily cash flow</a>. Take note of the cash flowing in and out of your business without having any unrealistic expectations.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your cash flow forecast. Once you separate standard expenses (like rent and wages) from planned one-time expenses (like a marketing strategy), consider the possibility of another similar major expense coming your way, and how much would be required.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your receivables and inventory. If your business generally receives income slowly, or if your inventory doesn’t move quickly, you should have more cash reserve.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business type (whether it’s sole ownership or otherwise). Think of whether you’d be able to continue your business without income for a while. For instance, if you are a sole owner, you may have personal savings that would help you operate without revenue, so your cash reserve doesn’t need to be that high. However, if you have a larger company or even a seasonal business where you can expect revenue fluctuations, you will need a larger cash buffer.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your other resources and safety nets that would help reduce your business risks (like a borrowing arrangement with a bank).</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business goals. For example, if you have a new project coming your way, you’ll most likely incur sudden expenses simultaneously, so adjust your buffer money accordingly.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Factoring in all of these details should give you a good idea of the amount you’d need to run your business for a fiscal year. However, keep in mind that unexpected fluctuations happen in any business, whether it’s dealing with more payables, a sudden spurt in sales, or having to cope with a global crisis.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Calculating your ideal cash buffer</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Here’s a direct formula that JPMorgan Chase Institute recommends to help you calculate how much cash reserve your business needs:</p>\r\n\r\n<p><img alt="cash buffer formula" class="alignnone size-medium wp-image-62461 img-popup" decoding="async" height="240" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen1-800x240.png" srcset="/sites/books/academy/files/screen1-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">You can also use this formula to assess the amount you’ll need:</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}"><span class="EOP"><img alt="calculate cash buffer formula" class="alignnone size-medium wp-image-62462 img-popup" decoding="async" height="240" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen2-800x240.png" srcset="/sites/books/academy/files/screen2-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2.png 1755w" width="800" /></span></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Note: Cash buffer days are the number of days you will use a buffer to cover your expenses without getting any revenue.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Another way to help you determine your cash buffer amount would be by understanding your cash burn rate and your cash runway. While your burn rate indicates how quickly you ‘burn’ your money and spend over your income, your cash runway tells you how long your cash will last if you’re burning money quickly. Figuring out your cash runway and cash burn rate will help your business (especially if you have <a href="https://www.zoho.com/books/articles/how-to-improve-cash-flow.html" rel="noopener" target="_blank">negative cash flow</a>) understand how much you would need to save.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">How to calculate your cash burn rate</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">1. Refer to your cash flow statement and note down the cash balance in the beginning and ending of a period.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">2. Calculate the difference between these two balances.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">3. Then, divide this difference by the number of months in that period.</p>\r\n\r\n<p data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}"><img alt="cash burn rate formula" class="alignnone size-medium wp-image-62464 img-popup" decoding="async" height="240" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen4-800x240.png" srcset="/sites/books/academy/files/screen4-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">For example, let’s say that you’re looking to find your burn rate by looking at the starting and closing balance for four months. If your starting balance in January is $10,000 and your closing balance by the end of May is $7,000, the difference would be $3,000 (10,000 – 7,000 = 3,000). By dividing this by the number of months, you would get $750 (3,000 / 4). This would be your monthly cash burn rate for that period.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If it is a negative value, you have negative cash flow and will need a bigger cash buffer.</p>\r\n\r\n<h2 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">How to calculate your cash runway</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Calculate your cash runway for the month by dividing your cash balance by the burn rate:</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}"><img alt="calculate cash runway" class="alignnone size-medium wp-image-62463 img-popup" decoding="async" height="240" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen3-800x240.png" srcset="/sites/books/academy/files/screen3-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">For example, if your cash balance is $50,000 and your burn rate is $10,000 per month, it will take 5 months for your business to run out of cash.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Understanding your spending habits will help you determine the size of your buffer, and how long you would need it for.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fw":"bold","size":"11","type":"text"}">How to build a cash buffer</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">You can build your cash buffer by saving smart, redirecting your finances, and making sure that a part of your revenue is kept aside regularly. In case you’re just starting out, open a bank account dedicated for cash reserves, and deposit a specific amount into this account on a monthly basis. You could also follow these tips:</p>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Analyze your payables, cut down on unnecessary expenses, and set a monthly savings goal. Harvard Business Review recommends taking a realistic estimate of your cash flow during and after the pandemic, and to compare it with expenses that are necessary and removable. This way, you’ll identify what can be removed at an early stage to ensure that your buffer is used for essential expenses only.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Set up a direct deposit, where a portion of your earnings will automatically be transferred into your reserve. If your buffer is being drained quickly, see if a certain expense can be paused until you fill your cash buffer to the limit you’ve set, and then resume it. That way, you can redirect the money to the reserve fund.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Liquidate cash that’s tied with old assets and speed up inventory. Sell your products before their value dips further.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Treat your cash buffer like a non-negotiable fixed bill. This helps you build it consistently.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If you don’t have enough funds, start out small or even consider small <a href="https://www.zoho.com/books/guides/worried-about-your-holiday-finances-secure-a-business-loan.html" rel="noopener" target="_blank">business loans</a>. You can also go ahead with <a href="https://www.zoho.com/books/articles/invoice-factoring.html" rel="noopener" target="_blank">invoice factoring</a> or get a credit line with your bank, but take note of how close you are to the overdraft limit.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If you have an alternative source of income, move a certain amount from it to your cash reserve fund.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Final thoughts</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">A cash buffer can help you when your business needs to survive through a tough stage as well as when you want it to grow in the face of a new opportunity. Building one takes consistent effort and smart financial planning. Use these tips to plan the right amount of buffer your business would need, and once you’ve built it, use it with care. It can be easy to spend a lot thinking of the cash buffer as just a backup, but this may only drain your funds further. Instead, identify how you can use it best for your business and replenish the buffer once it’s used up.</p>\r\n\r\n<p>Using online accounting software will help you forecast better, understand your cash position, and track income and expenses in real time. <a href="https://www.zoho.com/books/" rel="noopener" target="_blank">Zoho Books</a> can ease your way through managing your financial needs and help you get one step closer to building your buffer!</p>\r\n """ "summary" => "" "format" => "full_html" ] ] "za" =>array:1 [0 =>array:3 [ "value" => """ <p class="zw-paragraph" data-doc-id="4504799000026303906" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"underline","ff":"Roboto","fw":"bold","size":"11","type":"text"}">Uncertainty is possibly one of the most predominant moods running through most businesses today. Between employee turnover and a tumultuous global economy, staying competitive as a small or mid-sized enterprise has become challenging. But there are a few ways to make you can weather any storm that the future holds, and having a cash buffer is one of them.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}"><span class="EOP"><img alt="how-to-build-cash-buffer-cash-reserve" class="alignnone size-medium wp-image-62458 img-popup" decoding="async" fetchpriority="high" height="450" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/cashbuffer-800x450.png" srcset="/sites/books/academy/files/cashbuffer-800x450.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer-1160x653.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer-768x432.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Cashbuffer.png 1200w" width="800" /></span></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">What is a cash buffer?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"td":"none","ff":"Roboto","fv":"normal","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11","va":"baseline","type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">A cash buffer, also known as a cash reserve or a reserve fund, is the amount your business has set aside for any unplanned expenses. Think of it as a piggy bank (but with more value and returns), where you’ve got money kept aside for a rainy day—you never know when you might need it, but when you do, it can make the difference between keeping your operations running smooth and having to shut shop.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Why is a cash buffer important?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">In a study by <a href="https://hbr.org/2020/04/a-way-forward-for-small-businesses" rel="nofollow noopener" target="_blank">Harvard Business Review</a>, businesses that had less than two months of cash on hand as a buffer struggled to continue their business. Any fluctuations in seasonal sales can lead to some months being very profitable while others may not be. During these slow phases (and especially if you add a global crisis to the mix!), your business may need to pull money from its reserve fund to balance out the lack of sufficient revenue. And this goes for more than just seasonal sales and economic downturns. One of the most common issues that a business faces is inaccurate forecasting. For instance, you may think you’ll sell 1,000 units, but you may only sell 650. Cash buffers can help sustain your business through this as well.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Preparing a <a href="https://www.zoho.com/books/guides/cash-flow-forecast.html" rel="noopener" target="_blank">cash flow forecast</a>, where you allocate funds and calculate receivables and payables, can help you plan out the future trajectory of your accounts to a certain extent. However, it’s impossible to predict every expense that could come your way. There may be a client who defaults on their payment, a surge in interest rates, or even a natural disaster that would require you to shell out more money to maintain your business needs. Building a cash reserve would help you manage unexpected expenses as well as your liquidity needs during a <a href="https://www.zoho.com/books/articles/here-are-the-top-7-cash-flow-mistakes-that-can-cripple-your-small-business.html" rel="noopener" target="_blank">cash flow crunch</a>, so you wouldn’t be pressured by financial anxiety or have to shut down your shop simply because of low funds.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Even without a crisis, your business can still fall back on this reserve to back up a new growth opportunity. There may be a sudden investment to make, or a new branch you may want to open to expand your business. At such times, you can tap into your cash buffer. Having a cash buffer increases your confidence when making large business decisions, gives you more opportunities to take calculated risks, and protects you when the going gets tough.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">How much of a cash buffer do you need?</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">The amount of cash you’d need to reserve depends on your business. <a href="https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/institute/pdf/jpmc-institute-small-business-report.pdf" rel="nofollow noopener" target="_blank">JPMorgan Chase Institute’s findings</a> reveal that businesses are more resilient when they have a reserve equal to 62 cash buffer days or more. Furthermore, a survey conducted by <a href="https://www.bankrate.com/banking/savings/emergency-savings-survey-july-2021/" rel="nofollow noopener" target="_blank">Bankrate</a> states that it’s great to have at least 3-6 months worth of expenses saved up as an emergency fund in today’s world.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">However, before you decide the amount based on what’s commonly suggested, consider these factors:</p>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business’s current and past performance, and the volatility of your <a href="https://www.zoho.com/books/guides/how-is-cash-flow-calculated.html" rel="noopener" target="_blank">daily cash flow</a>. Take note of the cash flowing in and out of your business without having any unrealistic expectations.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your cash flow forecast. Once you separate standard expenses (like rent and wages) from planned one-time expenses (like a marketing strategy), consider the possibility of another similar major expense coming your way, and how much would be required.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your receivables and inventory. If your business generally receives income slowly, or if your inventory doesn’t move quickly, you should have more cash reserve.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="45131713" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business type (whether it’s sole ownership or otherwise). Think of whether you’d be able to continue your business without income for a while. For instance, if you are a sole owner, you may have personal savings that would help you operate without revenue, so your cash reserve doesn’t need to be that high. However, if you have a larger company or even a seasonal business where you can expect revenue fluctuations, you will need a larger cash buffer.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your other resources and safety nets that would help reduce your business risks (like a borrowing arrangement with a bank).</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="45131713" data-list-info="{"id":45131713,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Your business goals. For example, if you have a new project coming your way, you’ll most likely incur sudden expenses simultaneously, so adjust your buffer money accordingly.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Factoring in all of these details should give you a good idea of the amount you’d need to run your business for a fiscal year. However, keep in mind that unexpected fluctuations happen in any business, whether it’s dealing with more payables, a sudden spurt in sales, or having to cope with a global crisis.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Calculating your ideal cash buffer</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Here’s a direct formula that JPMorgan Chase Institute recommends to help you calculate how much cash reserve your business needs:</p>\r\n\r\n<p><img alt="cash buffer formula" class="alignnone size-medium wp-image-62461 img-popup" decoding="async" height="240" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen1-800x240.png" srcset="/sites/books/academy/files/screen1-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen1.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">You can also use this formula to assess the amount you’ll need:</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}"><span class="EOP"><img alt="calculate cash buffer formula" class="alignnone size-medium wp-image-62462 img-popup" decoding="async" height="240" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen2-800x240.png" srcset="/sites/books/academy/files/screen2-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen2.png 1755w" width="800" /></span></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-margin-left="0in" data-text-indent="0in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Note: Cash buffer days are the number of days you will use a buffer to cover your expenses without getting any revenue.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Another way to help you determine your cash buffer amount would be by understanding your cash burn rate and your cash runway. While your burn rate indicates how quickly you ‘burn’ your money and spend over your income, your cash runway tells you how long your cash will last if you’re burning money quickly. Figuring out your cash runway and cash burn rate will help your business (especially if you have <a href="https://www.zoho.com/books/articles/how-to-improve-cash-flow.html" rel="noopener" target="_blank">negative cash flow</a>) understand how much you would need to save.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">How to calculate your cash burn rate</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">1. Refer to your cash flow statement and note down the cash balance in the beginning and ending of a period.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">2. Calculate the difference between these two balances.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">3. Then, divide this difference by the number of months in that period.</p>\r\n\r\n<p data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}"><img alt="cash burn rate formula" class="alignnone size-medium wp-image-62464 img-popup" decoding="async" height="240" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen4-800x240.png" srcset="/sites/books/academy/files/screen4-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen4.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">For example, let’s say that you’re looking to find your burn rate by looking at the starting and closing balance for four months. If your starting balance in January is $10,000 and your closing balance by the end of May is $7,000, the difference would be $3,000 (10,000 – 7,000 = 3,000). By dividing this by the number of months, you would get $750 (3,000 / 4). This would be your monthly cash burn rate for that period.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If it is a negative value, you have negative cash flow and will need a bigger cash buffer.</p>\r\n\r\n<h2 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">How to calculate your cash runway</h2>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Calculate your cash runway for the month by dividing your cash balance by the burn rate:</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}"><img alt="calculate cash runway" class="alignnone size-medium wp-image-62463 img-popup" decoding="async" height="240" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/screen3-800x240.png" srcset="/sites/books/academy/files/screen3-800x240.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-1160x348.png 1160w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-768x230.png 768w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3-1536x460.png 1536w, https://finance.zohocorp.com/wp-content/uploads/2021/12/Screen3.png 1755w" width="800" /></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">For example, if your cash balance is $50,000 and your burn rate is $10,000 per month, it will take 5 months for your business to run out of cash.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Understanding your spending habits will help you determine the size of your buffer, and how long you would need it for.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","fw":"bold","size":"11","type":"text"}">How to build a cash buffer</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">You can build your cash buffer by saving smart, redirecting your finances, and making sure that a part of your revenue is kept aside regularly. In case you’re just starting out, open a bank account dedicated for cash reserves, and deposit a specific amount into this account on a monthly basis. You could also follow these tips:</p>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Analyze your payables, cut down on unnecessary expenses, and set a monthly savings goal. Harvard Business Review recommends taking a realistic estimate of your cash flow during and after the pandemic, and to compare it with expenses that are necessary and removable. This way, you’ll identify what can be removed at an early stage to ensure that your buffer is used for essential expenses only.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Set up a direct deposit, where a portion of your earnings will automatically be transferred into your reserve. If your buffer is being drained quickly, see if a certain expense can be paused until you fill your cash buffer to the limit you’ve set, and then resume it. That way, you can redirect the money to the reserve fund.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Liquidate cash that’s tied with old assets and speed up inventory. Sell your products before their value dips further.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Treat your cash buffer like a non-negotiable fixed bill. This helps you build it consistently.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If you don’t have enough funds, start out small or even consider small <a href="https://www.zoho.com/books/guides/worried-about-your-holiday-finances-secure-a-business-loan.html" rel="noopener" target="_blank">business loans</a>. You can also go ahead with <a href="https://www.zoho.com/books/articles/invoice-factoring.html" rel="noopener" target="_blank">invoice factoring</a> or get a credit line with your bank, but take note of how close you are to the overdraft limit.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="83194265" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="83194265" data-list-info="{"id":83194265,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-text-indent="-0.25in" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">If you have an alternative source of income, move a certain amount from it to your cash reserve fund.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">Final thoughts</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-textformat="{"ff":"Roboto","size":"11","type":"text"}">A cash buffer can help you when your business needs to survive through a tough stage as well as when you want it to grow in the face of a new opportunity. Building one takes consistent effort and smart financial planning. Use these tips to plan the right amount of buffer your business would need, and once you’ve built it, use it with care. It can be easy to spend a lot thinking of the cash buffer as just a backup, but this may only drain your funds further. Instead, identify how you can use it best for your business and replenish the buffer once it’s used up.</p>\r\n\r\n<p>Using online accounting software will help you forecast better, understand your cash position, and track income and expenses in real time. <a href="https://www.zoho.com/books/" rel="noopener" target="_blank">Zoho Books</a> can ease your way through managing your financial needs and help you get one step closer to building your buffer!</p>\r\n """ "summary" => "" "format" => "full_html" ] ] ] "field_add_rhs_section" =>array:2 [ "x-default" =>array:1 [0 =>array:1 [ "value" => "0" ] ] "za" =>array:1 [0 =>array:1 [ "value" => "0" ] ] ] "field_categories" =>array:2 [ "x-default" =>array:1 [0 =>array:1 [ "target_id" => "393" ] ] "za" =>array:1 [0 =>array:1 [ "target_id" => "889" ] ] ] "field_comments" =>array:2 [ "x-default" =>array:1 [0 =>array:6 [ "status" => "2" "cid" => "0" "last_comment_timestamp" => "1709902837" "last_comment_name" =>null "last_comment_uid" => "4" "comment_count" => "0" ] ] "za" =>array:1 [0 =>array:1 [ "status" => "2" ] ] ] "field_filter_type" =>array:2 [ "x-default" =>array:1 [0 =>array:1 [ "target_id" => "543" ] ] "za" =>array:1 [0 =>array:1 [ "target_id" => "543" ] ] ] "field_metatags" =>array:2 [ "x-default" =>array:1 [0 =>array:1 [ "value" => "a:2:{s:11:"description";s:149:"A cash buffer is the amount of money set aside in a reserve fund for any emergency expenses. 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Drupal\Core\Field\Entity\BaseFieldOverride} "uid" =>Drupal\Core\Field\BaseFieldDefinition {#1999 #definition: array:10 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2000 #string: "Authored by" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "translatable" =>true "default_value_callback" => "Drupal\node\Entity\Node::getDefaultEntityOwner" "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2001 #string: "The username of the content author." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "revisionable" =>true "display" =>array:2 [ "view" =>array:1 [ "options" =>array:3 [ …3] ] "form" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>true] ] "provider" => "node" "field_name" => "uid" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2002 #definition: array:2 [ "type" => "field_item:entity_reference" "settings" =>array:3 [ "target_type" => "user" "handler" => "default" "handler_settings" => [] ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#1999} } #type: "entity_reference" #propertyDefinitions: array:2 [ "target_id" =>Drupal\Core\TypedData\DataReferenceTargetDefinition {#3385 #definition: array:4 [ "type" => "integer" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#3386 …5} "settings" =>array:1 [ …1] "required" =>true] #typedDataManager: null} "entity" =>Drupal\Core\TypedData\DataReferenceDefinition {#3387 #definition: array:6 [ "type" => "entity_reference" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#574 …5} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#3389 …5} "computed" =>true "read-only" =>false "constraints" =>array:1 [ …1] ] #typedDataManager: null #targetDefinition: Drupal\Core\Entity\TypedData\EntityDataDefinition {#3390 #definition: array:12 [ …12] #typedDataManager: null #propertyDefinitions: null} } ] #schema: null #indexes: [] } "title" =>Drupal\Core\Field\BaseFieldDefinition {#2003 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2004 #string: "Title" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "required" =>true "translatable" =>true "revisionable" =>true "display" =>array:2 [ "view" =>array:1 [ "options" =>array:3 [ …3] ] "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "provider" => "node" "field_name" => "title" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2005 #definition: array:2 [ "type" => "field_item:string" "settings" =>array:3 [ "max_length" =>255 "is_ascii" =>false "case_sensitive" =>false] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2003} } #type: "string" #propertyDefinitions: array:1 [ "value" =>Drupal\Core\TypedData\DataDefinition {#3397 #definition: array:4 [ "type" => "string" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#3398 …5} "settings" =>array:1 [ …1] "required" =>true] #typedDataManager: null} ] #schema: null #indexes: [] } "created" =>Drupal\Core\Field\BaseFieldDefinition {#2006 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2007 #string: "Authored on" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2008 #string: "The date and time that the content was created." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "revisionable" =>true "translatable" =>true "display" =>array:2 [ "view" =>array:1 [ "options" =>array:3 [ …3] ] "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "provider" => "node" "field_name" => "created" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2009 #definition: array:2 [ "type" => "field_item:created" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2006} } #type: "created" #propertyDefinitions: array:1 [ "value" =>Drupal\Core\TypedData\DataDefinition {#3403 #definition: array:3 [ "type" => "timestamp" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#3404 …5} "required" =>true] #typedDataManager: null} ] #schema: null #indexes: [] } "changed" =>Drupal\Core\Field\BaseFieldDefinition {#2010 #definition: array:8 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2011 #string: "Changed" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2012 #string: "The time that the node was last edited." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "revisionable" =>true "translatable" =>true "provider" => "node" "field_name" => "changed" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2013 #definition: array:2 [ "type" => "field_item:changed" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2010} } #type: "changed" #propertyDefinitions: array:1 [ "value" =>Drupal\Core\TypedData\DataDefinition {#3889 #definition: array:3 [ "type" => "timestamp" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#3888 …5} "required" =>true] #typedDataManager: null} ] #schema: null #indexes: [] } "promote" =>Drupal\Core\Field\Entity\BaseFieldOverride {#6890 #entityTypeId: "base_field_override" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.promote" #status: true #uuid: "26256196-e0d8-40af-910c-77db67c1cd7a" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:1 [0 => "node.type.article_content" ] ] #isSyncing: false #id: "node.article_content.promote" #field_name: "promote" #field_type: "boolean" #entity_type: "node" #bundle: "article_content" #label: "Promoted to front page" #description: "" #settings: array:2 [ "on_label" => "On" "off_label" => "Off" ] #required: false #translatable: true #default_value: array:1 [0 =>array:1 [ "value" =>0] ] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #baseFieldDefinition: ? +original: ? Drupal\Core\Field\Entity\BaseFieldOverride} "sticky" =>Drupal\Core\Field\BaseFieldDefinition {#2019 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2020 #string: "Sticky at top of lists" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "revisionable" =>true "translatable" =>true "default_value" =>array:1 [0 =>array:1 [ "value" =>false] ] "display" =>array:1 [ "form" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>true] ] "provider" => "node" "field_name" => "sticky" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2021 #definition: array:2 [ "type" => "field_item:boolean" "settings" =>array:2 [ "on_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2022 …5} "off_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2023 …5} ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2019} } #type: "boolean" #propertyDefinitions: array:1 [ "value" =>Drupal\Core\TypedData\DataDefinition {#4569 #definition: array:3 [ "type" => "boolean" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#4568 …5} "required" =>true] #typedDataManager: null} ] #schema: null #indexes: [] } "default_langcode" =>Drupal\Core\Field\BaseFieldDefinition {#2024 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2025 #string: "Default translation" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2026 #string: "A flag indicating whether this is the default translation." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "translatable" =>true "revisionable" =>true "default_value" =>array:1 [0 =>array:1 [ "value" =>true] ] "provider" => "node" "field_name" => "default_langcode" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2027 #definition: array:2 [ "type" => "field_item:boolean" "settings" =>array:2 [ "on_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2028 …5} "off_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2029 …5} ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2024} } #type: "boolean" #propertyDefinitions: null #schema: null #indexes: [] } "revision_default" =>Drupal\Core\Field\BaseFieldDefinition {#2030 #definition: array:10 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2031 #string: "Default revision" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2032 #string: "A flag indicating whether this was a default revision when it was saved." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "storage_required" =>true "internal" =>true "translatable" =>false "revisionable" =>true "provider" => "node" "field_name" => "revision_default" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2033 #definition: array:2 [ "type" => "field_item:boolean" "settings" =>array:2 [ "on_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2034 …5} "off_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2035 …5} ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2030} } #type: "boolean" #propertyDefinitions: array:1 [ "value" =>Drupal\Core\TypedData\DataDefinition {#15545 #definition: array:3 [ "type" => "boolean" "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#15546 …5} "required" =>true] #typedDataManager: null} ] #schema: null #indexes: [] } "revision_translation_affected" =>Drupal\Core\Field\BaseFieldDefinition {#2036 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2037 #string: "Revision translation affected" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2038 #string: "Indicates if the last edit of a translation belongs to current revision." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "read-only" =>true "revisionable" =>true "translatable" =>true "provider" => "node" "field_name" => "revision_translation_affected" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2039 #definition: array:2 [ "type" => "field_item:boolean" "settings" =>array:2 [ "on_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2040 …5} "off_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2041 …5} ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2036} } #type: "boolean" #propertyDefinitions: null #schema: null #indexes: [] } "moderation_state" =>Drupal\Core\Field\BaseFieldDefinition {#6914 #definition: array:12 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#6816 #string: "Moderation state" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#6815 #string: "The moderation state of this piece of content." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "computed" =>true "class" => "Drupal\content_moderation\Plugin\Field\ModerationStateFieldItemList" "display" =>array:2 [ "view" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>false] "form" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>true] ] "constraints" =>array:1 [ "ModerationState" => [] ] "read-only" =>false "translatable" =>true "provider" => "content_moderation" "field_name" => "moderation_state" "entity_type" => "node" "bundle" => "article_content" ] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#6873 #definition: array:2 [ "type" => "field_item:string" "settings" =>array:3 [ "max_length" =>255 "is_ascii" =>false "case_sensitive" =>false] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#6914} } #type: "string" #propertyDefinitions: null #schema: null #indexes: [] } "metatag" =>Drupal\Core\Field\BaseFieldDefinition {#2046 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2047 #string: "Metatags (Hidden field for JSON support)" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2048 #string: "The meta tags for the entity." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "class" => "\Drupal\metatag\Plugin\Field\MetatagEntityFieldItemList" "computed" =>true "translatable" =>true "entity_type" => "node" "provider" => "metatag" "field_name" => "metatag" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2049 #definition: array:2 [ "type" => "field_item:map" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2046} } #type: "map" #propertyDefinitions: null #schema: null #indexes: [] } "path" =>Drupal\Core\Field\BaseFieldDefinition {#2050 #definition: array:8 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2051 #string: "URL alias" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "translatable" =>true "display" =>array:1 [ "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "computed" =>true "provider" => "path" "field_name" => "path" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2052 #definition: array:2 [ "type" => "field_item:path" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2050} } #type: "path" #propertyDefinitions: null #schema: null #indexes: [] } "publish_on" =>Drupal\Core\Field\BaseFieldDefinition {#2053 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2054 #string: "Publish on" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "display" =>array:1 [ "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "translatable" =>true "revisionable" =>true "constraints" =>array:1 [ "SchedulerPublishOn" =>null] "provider" => "scheduler" "field_name" => "publish_on" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2055 #definition: array:2 [ "type" => "field_item:timestamp" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2053} } #type: "timestamp" #propertyDefinitions: null #schema: null #indexes: [] } "unpublish_on" =>Drupal\Core\Field\BaseFieldDefinition {#2056 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2057 #string: "Unpublish on" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "display" =>array:1 [ "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "translatable" =>true "revisionable" =>true "constraints" =>array:1 [ "SchedulerUnpublishOn" =>null] "provider" => "scheduler" "field_name" => "unpublish_on" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2058 #definition: array:2 [ "type" => "field_item:timestamp" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2056} } #type: "timestamp" #propertyDefinitions: null #schema: null #indexes: [] } "publish_state" =>Drupal\Core\Field\BaseFieldDefinition {#2059 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2060 #string: "Publish state" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "display" =>array:2 [ "view" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>false] "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "translatable" =>true "revisionable" =>true "constraints" =>array:2 [ "SchedulerPublishState" =>null "SchedulerModerationTransitionAccess" =>null] "provider" => "scheduler_content_moderation_integration" "field_name" => "publish_state" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2061 #definition: array:2 [ "type" => "field_item:list_string" "settings" =>array:2 [ "allowed_values" => [] "allowed_values_function" => "_scheduler_content_moderation_integration_states_values" ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2059} } #type: "list_string" #propertyDefinitions: null #schema: null #indexes: [] } "unpublish_state" =>Drupal\Core\Field\BaseFieldDefinition {#2062 #definition: array:9 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2063 #string: "Unpublish state" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "display" =>array:2 [ "view" =>array:2 [ "options" =>array:3 [ …3] "configurable" =>false] "form" =>array:2 [ "options" =>array:2 [ …2] "configurable" =>true] ] "translatable" =>true "revisionable" =>true "constraints" =>array:2 [ "SchedulerUnPublishState" =>null "SchedulerModerationTransitionAccess" =>null] "provider" => "scheduler_content_moderation_integration" "field_name" => "unpublish_state" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2064 #definition: array:2 [ "type" => "field_item:list_string" "settings" =>array:2 [ "allowed_values" => [] "allowed_values_function" => "_scheduler_content_moderation_integration_states_values" ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2062} } #type: "list_string" #propertyDefinitions: null #schema: null #indexes: [] } "menu_link" =>Drupal\Core\Field\BaseFieldDefinition {#2065 #definition: array:12 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2066 #string: "Menu link" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2067 #string: "Computed menu link for the node (only available during node saving)." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "revisionable" =>true "class" => "\Drupal\token\MenuLinkFieldItemList" "translatable" =>true "internal" =>true "display" =>array:2 [ "view" =>array:1 [ "options" =>array:2 [ …2] ] "form" =>array:1 [ "options" =>array:1 [ …1] ] ] "computed" =>true "provider" => "token" "field_name" => "menu_link" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2068 #definition: array:2 [ "type" => "field_item:entity_reference" "settings" =>array:3 [ "target_type" => "menu_link_content" "handler" => "default" "handler_settings" => [] ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2065} } #type: "entity_reference" #propertyDefinitions: null #schema: null #indexes: [] } "content_translation_source" =>Drupal\Core\Field\BaseFieldDefinition {#2069 #definition: array:10 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2070 #string: "Translation source" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2071 #string: "The source language from which this translation was created." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "default_value" =>array:1 [0 =>array:1 [ "value" => "und" ] ] "initial_value" =>array:1 [0 =>array:1 [ "value" => "und" ] ] "revisionable" =>true "translatable" =>true "provider" => "content_translation" "field_name" => "content_translation_source" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2072 #definition: array:2 [ "type" => "field_item:language" "settings" => [] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2069} } #type: "language" #propertyDefinitions: null #schema: null #indexes: [] } "content_translation_outdated" =>Drupal\Core\Field\BaseFieldDefinition {#2073 #definition: array:10 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2074 #string: "Translation outdated" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2075 #string: "A boolean indicating whether this translation needs to be updated." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "default_value" =>array:1 [0 =>array:1 [ "value" =>false] ] "initial_value" =>array:1 [0 =>array:1 [ "value" =>false] ] "revisionable" =>true "translatable" =>true "provider" => "content_translation" "field_name" => "content_translation_outdated" "entity_type" => "node" "bundle" =>null] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2076 #definition: array:2 [ "type" => "field_item:boolean" "settings" =>array:2 [ "on_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2077 …5} "off_label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2078 …5} ] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2073} } #type: "boolean" #propertyDefinitions: null #schema: null #indexes: [] } "node_read_time" =>Drupal\Core\Field\BaseFieldDefinition {#2079 #definition: array:8 [ "label" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2080 #string: "Node read time" #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "field_name" => "node_read_time" "entity_type" => "node" "description" =>Drupal\Core\StringTranslation\TranslatableMarkup {#2081 #string: "Node read time." #arguments: [] #translatedMarkup: null #options: [] #stringTranslation: null} "computed" =>true "class" => "Drupal\node_read_time\Plugin\Field\NodeReadTime" "provider" => "node_read_time" "display" =>array:1 [ "view" =>array:2 [ "options" =>array:1 [ …1] "configurable" =>true] ] ] #typedDataManager: null #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2082 #definition: array:2 [ "type" => "field_item:string" "settings" =>array:3 [ "max_length" =>255 "is_ascii" =>false "case_sensitive" =>false] ] #typedDataManager: null #fieldDefinition: Drupal\Core\Field\BaseFieldDefinition {#2079} } #type: "string" #propertyDefinitions: null #schema: null #indexes: [] } "body" =>Drupal\field\Entity\FieldConfig {#6889 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.body" #status: true #uuid: "4ae7d0c5-c00e-4e96-ad4d-9738f8657cf7" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:2 [0 => "field.storage.node.body" 1 => "node.type.article_content" ] "module" =>array:1 [0 => "text" ] ] #isSyncing: false #id: "node.article_content.body" #field_name: "body" #field_type: "text_with_summary" #entity_type: "node" #bundle: "article_content" #label: "Post Content" #description: "" #settings: array:2 [ "display_summary" =>true "required_summary" =>false] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_add_rhs_section" =>Drupal\field\Entity\FieldConfig {#6752 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_add_rhs_section" #status: true #uuid: "d2331053-edf5-4edb-9fa9-7ecd98138f7b" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:2 [0 => "field.storage.node.field_add_rhs_section" 1 => "node.type.article_content" ] ] #isSyncing: false #id: "node.article_content.field_add_rhs_section" #field_name: "field_add_rhs_section" #field_type: "boolean" #entity_type: "node" #bundle: "article_content" #label: "Add RHS Section ?" #description: "" #settings: array:2 [ "on_label" => "On" "off_label" => "Off" ] #required: false #translatable: true #default_value: array:1 [0 =>array:1 [ "value" =>0] ] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_categories" =>Drupal\field\Entity\FieldConfig {#6874 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_categories" #status: true #uuid: "58a7c1da-317b-4fe8-afef-99482405df02" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_categories" 1 => "node.type.article_content" 2 => "node.type.post_category_pages" ] ] #isSyncing: false #id: "node.article_content.field_categories" #field_name: "field_categories" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Categories" #description: "" #settings: array:2 [ "handler" => "default:node" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ "post_category_pages" => "post_category_pages" ] "sort" =>array:1 [ "field" => "_none" ] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: true #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_comments" =>Drupal\field\Entity\FieldConfig {#6891 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_comments" #status: true #uuid: "1c1c62a4-90a1-4bfc-bc23-27ca6fadcf67" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:2 [0 => "field.storage.node.field_comments" 1 => "node.type.article_content" ] "module" =>array:1 [0 => "comment" ] ] #isSyncing: false #id: "node.article_content.field_comments" #field_name: "field_comments" #field_type: "comment" #entity_type: "node" #bundle: "article_content" #label: "Comments" #description: "" #settings: array:5 [ "default_mode" =>0 "per_page" =>50 "anonymous" =>0 "form_location" =>true "preview" =>0] #required: false #translatable: true #default_value: array:1 [0 =>array:6 [ "status" =>2 "cid" =>0 "last_comment_timestamp" =>0 "last_comment_name" =>null "last_comment_uid" =>0 "comment_count" =>0] ] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_compliance" =>Drupal\field\Entity\FieldConfig {#6806 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_compliance" #status: true #uuid: "4e92e69d-73db-434a-937e-687bcc9c6c70" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_compliance" 1 => "node.type.article_content" 2 => "taxonomy.vocabulary.compliance" ] ] #isSyncing: false #id: "node.article_content.field_compliance" #field_name: "field_compliance" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Compliance" #description: "" #settings: array:2 [ "handler" => "default:taxonomy_term" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ "compliance" => "compliance" ] "sort" =>array:2 [ "field" => "name" "direction" => "asc" ] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_compliance_state" =>Drupal\field\Entity\FieldConfig {#6875 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_compliance_state" #status: true #uuid: "c5c1342a-f81a-4e87-a9f1-d1925b3b3572" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_compliance_state" 1 => "node.type.article_content" 2 => "taxonomy.vocabulary.states_in_india" ] ] #isSyncing: false #id: "node.article_content.field_compliance_state" #field_name: "field_compliance_state" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Compliance State" #description: "" #settings: array:2 [ "handler" => "default:taxonomy_term" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ "states_in_india" => "states_in_india" ] "sort" =>array:2 [ "field" => "name" …1 ] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_filter_type" =>Drupal\field\Entity\FieldConfig {#6872 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_filter_type" #status: true #uuid: "4b3c7971-2ca0-4e1a-bd68-3c7403ad7bb7" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_filter_type" 1 => "node.type.article_content" 2 => "taxonomy.vocabulary.filter_types" ] ] #isSyncing: false #id: "node.article_content.field_filter_type" #field_name: "field_filter_type" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Filter Type" #description: "" #settings: array:2 [ "handler" => "default:taxonomy_term" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ …1] "sort" =>array:2 [ …2] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_html_block_end" =>Drupal\field\Entity\FieldConfig {#6840 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_html_block_end" #status: true #uuid: "022b7f3c-0886-46bd-a55f-630cebefa7a7" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:2 [0 => "field.storage.node.field_html_block_end" 1 => "node.type.article_content" ] "module" =>array:1 [0 => "text" ] ] #isSyncing: false #id: "node.article_content.field_html_block_end" #field_name: "field_html_block_end" #field_type: "text_with_summary" #entity_type: "node" #bundle: "article_content" #label: "HTML Block End" #description: "" #settings: array:2 [ "display_summary" =>false "required_summary" =>false] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_media_source" =>Drupal\field\Entity\FieldConfig {#6812 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_media_source" #status: true #uuid: "bcef15cb-a8ce-4561-96b0-509f3fca872a" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:3 [0 => "field.storage.node.field_media_source" 1 => "node.type.article_content" 2 => "paragraphs.paragraphs_type.media_source" ] "module" =>array:1 [0 => "entity_reference_revisions" ] ] #isSyncing: false #id: "node.article_content.field_media_source" #field_name: "field_media_source" #field_type: "entity_reference_revisions" #entity_type: "node" #bundle: "article_content" #label: "Featured Image" #description: "" #settings: array:2 [ "handler" => "default:paragraph" "handler_settings" =>array:3 [ "target_bundles" =>array:1 [ …1] "negate" =>0 "target_bundles_drag_drop" =>array:9 [ …9] ] ] #required: true #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: Drupal\field\Entity\FieldStorageConfig {#6810 #entityTypeId: "field_storage_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.field_media_source" #status: true #uuid: "8b3293ad-922b-4b23-be43-2adcf336a66a" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "module" =>array:3 [ …3] ] #isSyncing: false #id: "node.field_media_source" #field_name: "field_media_source" #entity_type: "node" #type: "entity_reference_revisions" #module: "entity_reference_revisions" #settings: array:1 [ "target_type" => "paragraph" ] #cardinality: 1 #translatable: true #locked: false #persist_with_no_fields: false +custom_storage: false #indexes: [] #deleted: false #schema: null #propertyDefinitions: null +original: ? Drupal\field\FieldStorageConfigInterface} #itemDefinition: null #constraints: array:1 [ "ParagraphsLibraryItemHasAllowedParagraphsType" =>null] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_metatags" =>Drupal\field\Entity\FieldConfig {#6809 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_metatags" #status: true #uuid: "b8ae1383-8e68-4c92-a289-b7342ee084ba" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:2 [0 => "field.storage.node.field_metatags" 1 => "node.type.article_content" ] "module" =>array:1 [0 => "metatag" ] ] #isSyncing: false #id: "node.article_content.field_metatags" #field_name: "field_metatags" #field_type: "metatag" #entity_type: "node" #bundle: "article_content" #label: "Metatags" #description: "" #settings: [] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_need_image" =>Drupal\field\Entity\FieldConfig {#6808 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_need_image" #status: true #uuid: "4466eac6-a4ff-4aac-a7f0-9d34331c01ce" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:2 [0 => "field.storage.node.field_need_image" 1 => "node.type.article_content" ] ] #isSyncing: false #id: "node.article_content.field_need_image" #field_name: "field_need_image" #field_type: "boolean" #entity_type: "node" #bundle: "article_content" #label: "Include this image at the top of this post" #description: "" #settings: array:2 [ "on_label" => "On" "off_label" => "Off" ] #required: false #translatable: true #default_value: array:1 [0 =>array:1 [ "value" =>0] ] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_post_created_by_author" =>Drupal\field\Entity\FieldConfig {#6877 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_post_created_by_author" #status: true #uuid: "496bf130-a099-4207-927a-182e0f95b8b9" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_post_created_by_author" 1 => "node.type.article_content" 2 => "taxonomy.vocabulary.author" ] ] #isSyncing: false #id: "node.article_content.field_post_created_by_author" #field_name: "field_post_created_by_author" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Post Created By" #description: "" #settings: array:2 [ "handler" => "default:taxonomy_term" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ …1] "sort" =>array:2 [ …2] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: true #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_primary_category" =>Drupal\field\Entity\FieldConfig {#6888 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_primary_category" #status: true #uuid: "9dab8f51-28c6-4379-99ae-41690070f4af" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_primary_category" 1 => "node.type.article_content" 2 => "node.type.post_category_pages" ] ] #isSyncing: false #id: "node.article_content.field_primary_category" #field_name: "field_primary_category" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Primary Category" #description: "" #settings: array:2 [ "handler" => "default:node" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ …1] "sort" =>array:2 [ …2] "auto_create" =>false "auto_create_bundle" => "" ] ] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_tags" =>Drupal\field\Entity\FieldConfig {#6918 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_tags" #status: true #uuid: "a695ec2b-79ec-49e0-a911-27fd03b14824" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:3 [0 => "field.storage.node.field_tags" 1 => "node.type.article_content" 2 => "taxonomy.vocabulary.tags" ] ] #isSyncing: false #id: "node.article_content.field_tags" #field_name: "field_tags" #field_type: "entity_reference" #entity_type: "node" #bundle: "article_content" #label: "Tags" #description: "" #settings: array:2 [ "handler" => "default:taxonomy_term" "handler_settings" =>array:4 [ "target_bundles" =>array:1 [ …1] "sort" =>array:2 [ …2] "auto_create" =>true "auto_create_bundle" => "" ] ] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_title_description" =>Drupal\field\Entity\FieldConfig {#6786 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_title_description" #status: true #uuid: "cccc1dc8-f338-48f2-bd87-062e40545566" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "config" =>array:2 [0 => "field.storage.node.field_title_description" 1 => "node.type.article_content" ] ] #isSyncing: false #id: "node.article_content.field_title_description" #field_name: "field_title_description" #field_type: "string_long" #entity_type: "node" #bundle: "article_content" #label: "Title Description" #description: "" #settings: [] #required: false #translatable: true #default_value: [] #default_value_callback: "" #fieldStorage: null #itemDefinition: null #constraints: [] #propertyConstraints: [] #deleted: false +original: ? Drupal\field\Entity\FieldConfig} "field_topics" =>Drupal\field\Entity\FieldConfig {#6887 #entityTypeId: "field_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.article_content.field_topics" #status: true #uuid: "3b490b05-956e-4b25-a917-15e31f953cc5" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:2 [ "config" =>array:3 [0 => "field.storage.node.field_topics" 1 => "node.type.article_content" 2 => "paragraphs.paragraphs_type.post_content_section" ] "module" =>array:1 [0 => "entity_reference_revisions" ] ] #isSyncing: false #id: "node.article_content.field_topics" #field_name: "field_topics" #field_type: "entity_reference_revisions" #entity_type: "node" #bundle: "article_content" #label: "Topics" #description: "" #settings: array:2 [ "handler" => "default:paragraph" "handler_settings" =>array:3 [ "target_bundles" =>array:1 [ …1] "negate" =>0 "target_bundles_drag_drop" =>array:9 [ …9] ] ] #required: false #translatable: false #default_value: [] #default_value_callback: "" #fieldStorage: Drupal\field\Entity\FieldStorageConfig {#6885 #entityTypeId: "field_storage_config" #enforceIsNew: null #typedData: null #cacheContexts: array:1 [0 => "languages:language_interface" ] #cacheTags: [] #cacheMaxAge: -1 #_serviceIds: [] #_entityStorages: [] #originalId: "node.field_topics" #status: true #uuid: "baee0837-6327-404c-b93b-13bbb65a9a75" -isUninstalling: false #langcode: "en" #third_party_settings: [] #_core: [] #trustedData: false #dependencies: array:1 [ "module" =>array:3 [ …3] ] #isSyncing: false #id: "node.field_topics" #field_name: "field_topics" #entity_type: "node" #type: "entity_reference_revisions" #module: "entity_reference_revisions" #settings: array:1 [ "target_type" => "paragraph" ] #cardinality: -1 #translatable: true #locked: false #persist_with_no_fields: false +custom_storage: false #indexes: [] #deleted: false #schema: null #propertyDefinitions: null +original: ? Drupal\field\FieldStorageConfigInterface} #itemDefinition: null #constraints: array:1 [ "ParagraphsLibraryItemHasAllowedParagraphsType" =>null] #propertyConstraints: [] #deleted: false +original: ? 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Cash. Your profit margins can change at any time, but your cash flow determines your business’s current and future health.</p>\r\n\r\n<p class="zw-paragraph" data-doc-id="4504799000025020484" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-textformat="{"size":"11","type":"text"}">Cash flow is the money that flows in and out of your business, and is a crucial indicator of its financial health. Any business may be at risk of poor cash flow, and if its major causes are overlooked, the business may become unprofitable, dwindle further, and have to shut down. Knowing what can affect your business’s cash flow and how you can limit unnecessary cash outflow will help you manage it consistently, prepare for challenges, and grow steadily!</p>\r\n\r\n<p data-doc-id="4504799000025020484" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-textformat="{"size":"11","type":"text"}"><img alt="" class="alignnone size-full wp-image-62114 img-popup" decoding="async" fetchpriority="high" height="400" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/article-1.png" srcset="/sites/books/academy/files/article-1.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/08/Article-1-768x384.png 768w" width="800" /></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negative cash flow: how it can affect your business</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negative cash flow is when your business spends more than what it receives, but this need not always indicate a loss. For example, your payments may be due before you receive your income and you may spend more than what you have at that time, leading to a cash flow problem. So, while you may recover your money later, or even if you’ve already been profitable, there will be certain months where you’d be spending more than your earnings. This can prevent you from having enough cash for future investments, leading to an imbalance in your revenue along with a decrease in your liquid assets.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">If you don’t manage your cash inflow well to face unexpected expenses, you may have a cash flow crunch. To tackle this problem, you have to understand what’s causing the shortfall.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Common causes for negative cash flow</h2>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="18859822" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Inefficient management</strong>: Poor productivity and marketing strategies can make you spend a lot without receiving adequate returns on your investment. For instance, your staff may be focusing on tasks that could be automated, or your marketing strategy may not be effective enough for your target audience. These may lead to high operating costs, as well as poor sales and credit ratings.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Incorrect pricing</strong>: Undercharging or overcharging is another common reason for negative cash flow. If you have low profit margins, you might want to raise your prices. However, charging excessively for something that customers can get for a lower rate (with the same quality) will only discourage them from buying from you. Similarly, not charging enough can lead to lower returns, and will not improve your position in the market.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Late payments</strong>: The more complicated your invoicing and payment process, the later your payments are likely to be. Delayed payments can hurt your cash flow, and affect your ability to pay your own vendors, pay for overhead expenses, and much more.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Unnecessary investments</strong>: Investing too much on products or services that aren’t critical to your business can affect your cash flow. When you do this, you’re spending on non-essential assets that won’t give you much returns, leading to your funds getting drained.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="18859822" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Improper planning</strong>: Failing to set long-term goals, expanding too quickly, or not having the right employees can impact your future opportunities and your brand image, all of which will hit your revenue. Things may look up temporarily, but you may not have enough resources to give you good returns. Poor financial planning will leave you short of funds when you have unexpected expenses, and you may become too dependent on loans without having enough cash to repay them.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Managing poor cash flow is important, but so is steering your business towards consistently improving your revenue. Here’s how you can do both, in two stages.<span class="EOP"> </span></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Stage 1: Survival strategies to manage poor cash flow</h2>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Money matters</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Record and review your operating expenses and financial statements on a bi-weekly or monthly basis (depending on the size of your business), so you’re always updated on where your money is going to or coming from, and you can take action accordingly. You should also run a <a href="https://www.zoho.com/books/guides/what-is-a-cash-flow-statement.html" rel="noopener" target="_blank">cash flow statement</a> because this will help you understand how well you’ve been managing your cash flow.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">To prepare for the unexpected, you can keep aside a certain amount of cash every month as a cash buffer. This amount can be determined based on your general expenditure, your current and past performance, and how quickly your products get sold. If your overall performance is slow and indicates that you need more money for an emergency, you need a bigger reserve.<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">If you can’t do this and urgently require cash, <a href="https://www.zoho.com/books/articles/invoice-factoring.html" rel="noopener" target="_blank">invoice factoring</a> (selling unpaid invoices to companies in exchange for immediate cash) may help you get cash right away. However, the factoring company will take a cut of the money you earn. Alternatively, you can opt for a <a href="https://www.zoho.com/books/guides/worried-about-your-holiday-finances-secure-a-business-loan.html" rel="noopener" target="_blank">business loan</a>.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Ultimately, be mindful of the amount you spend during this period, and cut down on unnecessary expenses. If you need to pay for a business expense, prioritize the resources that will help you improve your cash flow and grow your business (whether long-term or short-term). For instance, if you had to choose between revamping your office space and purchasing new software to help your business processes, the latter would be far more beneficial.<span class="EOP"> </span></p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Avoid delayed payments</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Send out invoices as soon as possible and have a written record of your payment terms and conditions so your customer knows the consequences for not paying promptly. You can also incentivize them for prompt payments, or, if they opt out of cash payments, check their credit score to ensure they have a reliable record.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">In case you want to make a sale to a customer who doesn’t have a promising financial history, do so at a high interest rate; they’ll buy only if they really need to and it’s more likely that you’ll get your money back. Meanwhile, ask your vendors if they can extend the payment terms, and regularly check your AR aging report. This will provide details of payments that have crossed the due date, so you can follow up with these customers and recover your receivables.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Stage 2: How to improve cash flow and grow consistently</h2>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Pay less or buy more</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Having enough cash for your day-to-day operations is important for good cash flow management. When you lease a product and rent it from the supplier, you can use it without spending excessively, only paying small amounts each month. This helps cash flow, especially because these expenses can be written off on your taxes. Similarly, if you’re purchasing a product, ask if you can pay in installments.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">You can also buy your supplies in bulk to get good discounts. In case you’re unable to buy in bulk as a sole entity, partner with similar companies and pool your cash together so you can get your vendors to lower their prices.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Make payments easier and incentivize customers to pay on time</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">While sending out invoices, attach a payment link to help your customers pay immediately with just a click. Offer electronic modes of payment; they’re easy and quick! Your <a href="https://www.zoho.com/books/" rel="noopener" target="_blank">accounting software</a> can simplify the process by helping you with <a href="https://www.zoho.com/books/guides/payment-gateways.html" rel="noopener" target="_blank">online payment integrations</a> and instantly getting your invoice sent with the right payment options.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">You can also ask for partial payments up-front (especially from newer customers) and encourage them to pay faster by offering discounts for early payment. Implementing reward programs and referral programs can work in your favor, as you can grow your sales and churn more revenue, while your customers also gain when they buy from you!<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Make your invoice easy to read for your customer, so they’ll understand the terms and conditions. State the due date clearly, with information on accepted payment modes and late payment fees, if any. Once they’re sent, send invoice reminders a few days before the payment’s due date. You can make this work smoother if you <a href="https://www.zoho.com/books/articles/how-automating-ar-ap-can-help-improve-your-cash-flow-during-a-crisis.html" rel="noopener" target="_blank">automate your AR/AP process</a>.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Monitor your inventory</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Conduct an <a href="https://www.zoho.com/inventory/guides/inventory-valuation-methods-fifo-lifo-wac.html" rel="noopener" target="_blank">inventory valuation</a> on a quarterly basis, noting the goods that aren’t moving quickly or aren’t in much demand. These goods, which become <a href="https://www.zoho.com/inventory/guides/dead-stock-definition-cause-and-solution.html" rel="noopener" target="_blank">dead stock</a>, could affect your cash flow. So, cut down on buying these in the future and liquidate what you currently have, or even sell them at a discount so they’ll move faster.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negotiate with vendors and extend payment terms</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Once you’ve established a good rapport with your vendors, you can negotiate with them to give you discounts for paying early. If you need more time to pay bills, ask for extended payment terms (you can do this especially for large purchases). If you’re a regular buyer with a history of prompt payment, your vendors will most likely agree, and this will give you more time to make your sales before your due payment to the vendor.</p>\r\n\r\n<h3 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Be proactive with cash flow forecasting</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">When you prepare a cash flow forecast, you estimate your future income and operating expenses, helping you build a budget and plan better. You can do this by analyzing the previous year’s performance or by calculating your expected inflow (like customer receipts) and outflow (like vendor payments and payroll).<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">It’s best to forecast monthly or quarterly to keep track of your key performance indicators, helping you understand your working capital, and whether you have enough income to manage the following month’s requirements. Once you finish forecasting a period and move on to the next, return to your forecast for the previous period and check your estimation against the actual cash flow; if there’s a mismatch, you’ll know the difference and understand why your cash flow didn’t meet your expectations.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Invest well and use bank accounts safely</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Make your idle cash work for you, and invest wisely. If required, you can even take short-term loans, where you get a lump sum amount that can be repaid in installments. This borrowed amount can be used to make smart business decisions that will help you in the long run, such as expansions, purchase of new inventory, and more.<br class="zw-br" />\r\n<br class="zw-br" />\r\nYou can even make payments with a cash-back business credit card (where you get a certain amount of money back after a successful payment), which will be helpful for regular monthly payments. Use a checking account (also known as a current account) to deposit a portion of your income regularly as a reserve, and to deposit the rest of your income, use a savings account that will yield high interest. To make it simpler, you can keep transferring your money from the checking account to the savings account, so if your funds go below the minimum requirement for a checking account, they’ll get transferred back automatically. This way, you can save money for an emergency.<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">It’s equally important to keep your bank accounts secure and decrease the chances of unauthorized use. For instance, you can minimize the number of people who can access it, so you ensure your money is in safe hands and won’t be spent without your knowledge.</p>\r\n\r\n<h3 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Plan for a steady expansion and raise prices</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">If a certain product of yours is doing well in the market, bump up its price by a marginal amount. Check if your own expenses for equipment, manpower, and time have increased. If their value does not match the final sale amount, reassess the price. However, take a look at your competitors’ prices as well, and make sure that yours isn’t raised too much in comparison. If you’re raising your price, be sure to let your customers know how much they can gain by buying from you.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">For example, if you’re manufacturing chocolate and adding a unique ingredient to it, highlight that. You can even provide an add-on or an extra feature to your product, making it different from the rest. Meanwhile, add new categories and products to your business, and expand slowly but steadily. Consider other customer groups you can target who could benefit from your products, and encourage them to spend more by selling in bundles. So, taking the previous example, you could expand your sweets business to include healthy sugar-free variations and, later, even target healthy beverages.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">However, while expanding, it’s important to make cost-effective choices. If it gets too expensive to handle everything on your own, outsource certain functions, and regularly review your existing contracts. Streamline your business processes by investing in more efficient software and equipment. While this may initially be more expensive, it will cut a lot more costs for you in the long run.<span class="EOP"> </span></p>\r\n\r\n<p>It all boils down to how you take things forward with your money. Negative cash flow is common in growing businesses, and if you’re able to spot the issues as they occur and solve them, then you’re good to go! To improve cash flow for your business, prioritize resources that will bring you returns, plan ahead, focus on your cash flow statements, and stay on top of your forecasting. Build up from there and work on the tips mentioned above so that you can safeguard your business and keep it growing at a steady pace.</p>\r\n """ "summary" => "" "format" => "full_html" ] ] "za" =>array:1 [0 =>array:3 [ "value" => """ <p class="zw-paragraph" data-doc-id="4504799000025020484" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-textformat="{"size":"11","type":"text"}">What’s more important than profits? Cash. Your profit margins can change at any time, but your cash flow determines your business’s current and future health.</p>\r\n\r\n<p class="zw-paragraph" data-doc-id="4504799000025020484" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-textformat="{"size":"11","type":"text"}">Cash flow is the money that flows in and out of your business, and is a crucial indicator of its financial health. Any business may be at risk of poor cash flow, and if its major causes are overlooked, the business may become unprofitable, dwindle further, and have to shut down. Knowing what can affect your business’s cash flow and how you can limit unnecessary cash outflow will help you manage it consistently, prepare for challenges, and grow steadily!</p>\r\n\r\n<p data-doc-id="4504799000025020484" data-doc-type="writer" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"4.8125in"}]" data-textformat="{"size":"11","type":"text"}"><img alt="" class="alignnone size-full wp-image-62114 img-popup" decoding="async" fetchpriority="high" height="400" sizes="(max-width: 800px) 100vw, 800px" src="/sites/books/academy/files/article-1.png" srcset="/sites/books/academy/files/article-1.png 800w, https://finance.zohocorp.com/wp-content/uploads/2021/08/Article-1-768x384.png 768w" width="800" /></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negative cash flow: how it can affect your business</h2>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negative cash flow is when your business spends more than what it receives, but this need not always indicate a loss. For example, your payments may be due before you receive your income and you may spend more than what you have at that time, leading to a cash flow problem. So, while you may recover your money later, or even if you’ve already been profitable, there will be certain months where you’d be spending more than your earnings. This can prevent you from having enough cash for future investments, leading to an imbalance in your revenue along with a decrease in your liquid assets.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">If you don’t manage your cash inflow well to face unexpected expenses, you may have a cash flow crunch. To tackle this problem, you have to understand what’s causing the shortfall.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Common causes for negative cash flow</h2>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="18859822" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Inefficient management</strong>: Poor productivity and marketing strategies can make you spend a lot without receiving adequate returns on your investment. For instance, your staff may be focusing on tasks that could be automated, or your marketing strategy may not be effective enough for your target audience. These may lead to high operating costs, as well as poor sales and credit ratings.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Incorrect pricing</strong>: Undercharging or overcharging is another common reason for negative cash flow. If you have low profit margins, you might want to raise your prices. However, charging excessively for something that customers can get for a lower rate (with the same quality) will only discourage them from buying from you. Similarly, not charging enough can lead to lower returns, and will not improve your position in the market.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Late payments</strong>: The more complicated your invoicing and payment process, the later your payments are likely to be. Delayed payments can hurt your cash flow, and affect your ability to pay your own vendors, pay for overhead expenses, and much more.</p>\r\n\t</li>\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Unnecessary investments</strong>: Investing too much on products or services that aren’t critical to your business can affect your cash flow. When you do this, you’re spending on non-essential assets that won’t give you much returns, leading to your funds getting drained.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<ul data-list-format="{"level0":{"type":6,"startsWith":1},"level1":{"type":7,"startsWith":1},"level2":{"type":8,"startsWith":1},"level3":{"type":6,"startsWith":1},"level4":{"type":7,"startsWith":1},"level5":{"type":8,"startsWith":1},"level6":{"type":6,"startsWith":1},"level7":{"type":7,"startsWith":1},"level8":{"type":8,"startsWith":1}}" data-list-id="18859822" data-spl-bullet-format="{}">\r\n\t<li>\r\n\t<p class="zw-list zw-paragraph" data-line-height="1.2" data-list-id="18859822" data-list-info="{"id":18859822,"l":0}" data-margin-bottom="0pt" data-margin-left="0.5in" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-text-indent="-0.25in" data-textformat="{"size":"11","type":"text"}"><strong>Improper planning</strong>: Failing to set long-term goals, expanding too quickly, or not having the right employees can impact your future opportunities and your brand image, all of which will hit your revenue. Things may look up temporarily, but you may not have enough resources to give you good returns. Poor financial planning will leave you short of funds when you have unexpected expenses, and you may become too dependent on loans without having enough cash to repay them.</p>\r\n\t</li>\r\n</ul>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Managing poor cash flow is important, but so is steering your business towards consistently improving your revenue. Here’s how you can do both, in two stages.<span class="EOP"> </span></p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Stage 1: Survival strategies to manage poor cash flow</h2>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Money matters</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Record and review your operating expenses and financial statements on a bi-weekly or monthly basis (depending on the size of your business), so you’re always updated on where your money is going to or coming from, and you can take action accordingly. You should also run a <a href="https://www.zoho.com/books/guides/what-is-a-cash-flow-statement.html" rel="noopener" target="_blank">cash flow statement</a> because this will help you understand how well you’ve been managing your cash flow.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">To prepare for the unexpected, you can keep aside a certain amount of cash every month as a cash buffer. This amount can be determined based on your general expenditure, your current and past performance, and how quickly your products get sold. If your overall performance is slow and indicates that you need more money for an emergency, you need a bigger reserve.<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">If you can’t do this and urgently require cash, <a href="https://www.zoho.com/books/articles/invoice-factoring.html" rel="noopener" target="_blank">invoice factoring</a> (selling unpaid invoices to companies in exchange for immediate cash) may help you get cash right away. However, the factoring company will take a cut of the money you earn. Alternatively, you can opt for a <a href="https://www.zoho.com/books/guides/worried-about-your-holiday-finances-secure-a-business-loan.html" rel="noopener" target="_blank">business loan</a>.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Ultimately, be mindful of the amount you spend during this period, and cut down on unnecessary expenses. If you need to pay for a business expense, prioritize the resources that will help you improve your cash flow and grow your business (whether long-term or short-term). For instance, if you had to choose between revamping your office space and purchasing new software to help your business processes, the latter would be far more beneficial.<span class="EOP"> </span></p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Avoid delayed payments</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Send out invoices as soon as possible and have a written record of your payment terms and conditions so your customer knows the consequences for not paying promptly. You can also incentivize them for prompt payments, or, if they opt out of cash payments, check their credit score to ensure they have a reliable record.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">In case you want to make a sale to a customer who doesn’t have a promising financial history, do so at a high interest rate; they’ll buy only if they really need to and it’s more likely that you’ll get your money back. Meanwhile, ask your vendors if they can extend the payment terms, and regularly check your AR aging report. This will provide details of payments that have crossed the due date, so you can follow up with these customers and recover your receivables.</p>\r\n\r\n<h2 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Stage 2: How to improve cash flow and grow consistently</h2>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Pay less or buy more</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Having enough cash for your day-to-day operations is important for good cash flow management. When you lease a product and rent it from the supplier, you can use it without spending excessively, only paying small amounts each month. This helps cash flow, especially because these expenses can be written off on your taxes. Similarly, if you’re purchasing a product, ask if you can pay in installments.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">You can also buy your supplies in bulk to get good discounts. In case you’re unable to buy in bulk as a sole entity, partner with similar companies and pool your cash together so you can get your vendors to lower their prices.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Make payments easier and incentivize customers to pay on time</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">While sending out invoices, attach a payment link to help your customers pay immediately with just a click. Offer electronic modes of payment; they’re easy and quick! Your <a href="https://www.zoho.com/books/" rel="noopener" target="_blank">accounting software</a> can simplify the process by helping you with <a href="https://www.zoho.com/books/guides/payment-gateways.html" rel="noopener" target="_blank">online payment integrations</a> and instantly getting your invoice sent with the right payment options.</p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">You can also ask for partial payments up-front (especially from newer customers) and encourage them to pay faster by offering discounts for early payment. Implementing reward programs and referral programs can work in your favor, as you can grow your sales and churn more revenue, while your customers also gain when they buy from you!<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">Make your invoice easy to read for your customer, so they’ll understand the terms and conditions. State the due date clearly, with information on accepted payment modes and late payment fees, if any. Once they’re sent, send invoice reminders a few days before the payment’s due date. You can make this work smoother if you <a href="https://www.zoho.com/books/articles/how-automating-ar-ap-can-help-improve-your-cash-flow-during-a-crisis.html" rel="noopener" target="_blank">automate your AR/AP process</a>.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Monitor your inventory</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Conduct an <a href="https://www.zoho.com/inventory/guides/inventory-valuation-methods-fifo-lifo-wac.html" rel="noopener" target="_blank">inventory valuation</a> on a quarterly basis, noting the goods that aren’t moving quickly or aren’t in much demand. These goods, which become <a href="https://www.zoho.com/inventory/guides/dead-stock-definition-cause-and-solution.html" rel="noopener" target="_blank">dead stock</a>, could affect your cash flow. So, cut down on buying these in the future and liquidate what you currently have, or even sell them at a discount so they’ll move faster.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Negotiate with vendors and extend payment terms</h3>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Once you’ve established a good rapport with your vendors, you can negotiate with them to give you discounts for paying early. If you need more time to pay bills, ask for extended payment terms (you can do this especially for large purchases). If you’re a regular buyer with a history of prompt payment, your vendors will most likely agree, and this will give you more time to make your sales before your due payment to the vendor.</p>\r\n\r\n<h3 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Be proactive with cash flow forecasting</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">When you prepare a cash flow forecast, you estimate your future income and operating expenses, helping you build a budget and plan better. You can do this by analyzing the previous year’s performance or by calculating your expected inflow (like customer receipts) and outflow (like vendor payments and payroll).<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">It’s best to forecast monthly or quarterly to keep track of your key performance indicators, helping you understand your working capital, and whether you have enough income to manage the following month’s requirements. Once you finish forecasting a period and move on to the next, return to your forecast for the previous period and check your estimation against the actual cash flow; if there’s a mismatch, you’ll know the difference and understand why your cash flow didn’t meet your expectations.</p>\r\n\r\n<h3 class="zw-paragraph" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Invest well and use bank accounts safely</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Make your idle cash work for you, and invest wisely. If required, you can even take short-term loans, where you get a lump sum amount that can be repaid in installments. This borrowed amount can be used to make smart business decisions that will help you in the long run, such as expansions, purchase of new inventory, and more.<br class="zw-br" />\r\n<br class="zw-br" />\r\nYou can even make payments with a cash-back business credit card (where you get a certain amount of money back after a successful payment), which will be helpful for regular monthly payments. Use a checking account (also known as a current account) to deposit a portion of your income regularly as a reserve, and to deposit the rest of your income, use a savings account that will yield high interest. To make it simpler, you can keep transferring your money from the checking account to the savings account, so if your funds go below the minimum requirement for a checking account, they’ll get transferred back automatically. This way, you can save money for an emergency.<span class="EOP"> </span></p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">It’s equally important to keep your bank accounts secure and decrease the chances of unauthorized use. For instance, you can minimize the number of people who can access it, so you ensure your money is in safe hands and won’t be spent without your knowledge.</p>\r\n\r\n<h3 class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"size":"11","type":"text"}">Plan for a steady expansion and raise prices</h3>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">If a certain product of yours is doing well in the market, bump up its price by a marginal amount. Check if your own expenses for equipment, manpower, and time have increased. If their value does not match the final sale amount, reassess the price. However, take a look at your competitors’ prices as well, and make sure that yours isn’t raised too much in comparison. If you’re raising your price, be sure to let your customers know how much they can gain by buying from you.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">For example, if you’re manufacturing chocolate and adding a unique ingredient to it, highlight that. You can even provide an add-on or an extra feature to your product, making it different from the rest. Meanwhile, add new categories and products to your business, and expand slowly but steadily. Consider other customer groups you can target who could benefit from your products, and encourage them to spend more by selling in bundles. So, taking the previous example, you could expand your sweets business to include healthy sugar-free variations and, later, even target healthy beverages.</p>\r\n\r\n<p class="zw-paragraph heading0" data-hd-info="0" data-header="0" data-line-height="1.2" data-margin-bottom="0pt" data-tab-info="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-tabpoints="[{"leader":"0","id":"0","align":"0","point":"0.020833333333333332in"}]" data-textformat="{"ff":"Roboto","fv":"normal","td":"none","cs":"0pt","fw":"none","fgc":"rgb(0, 0, 0)","size":"11.00","va":"baseline","fw_i":400,"type":"text","fs":"normal","bgc":"rgba(0, 0, 0, 0)"}">However, while expanding, it’s important to make cost-effective choices. If it gets too expensive to handle everything on your own, outsource certain functions, and regularly review your existing contracts. Streamline your business processes by investing in more efficient software and equipment. While this may initially be more expensive, it will cut a lot more costs for you in the long run.<span class="EOP"> </span></p>\r\n\r\n<p>It all boils down to how you take things forward with your money. Negative cash flow is common in growing businesses, and if you’re able to spot the issues as they occur and solve them, then you’re good to go! To improve cash flow for your business, prioritize resources that will bring you returns, plan ahead, focus on your cash flow statements, and stay on top of your forecasting. 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