Cash-Flow Planning for Saratoga Businesses
Profit and available cash are not the same. A simple month-by-month view can reveal whether the need is temporary, recurring, seasonal, or better addressed through operating changes.
Track expected cash in
Use realistic collection dates rather than invoice dates.
- Cash sales
- Expected invoice collections
- Deposits
- Recurring contracts
- Other operating income
Track required cash out
Include the timing of payroll, rent, inventory, taxes, insurance, debt payments, and owner distributions.
Identify the pattern
A one-time project may align with a term loan. Recurring fluctuations may align with a line of credit. Neither is automatically appropriate; lender criteria and repayment capacity still apply.
Ready to discuss a business funding need?
Submit a preliminary inquiry after reviewing the amount, purpose, documents, and potential repayment impact.
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