Cash Flow

Almost Everything You Want to Know About Cash Flow Management

Capital Solutions Bancorp — Tue, 10 Nov 2009 12:25:25 -0500

A business can have everything going right for it except cash flow. Cash flow alone has the power to take out a business. We've posted lots of information on cash flow to help you ensure you always have it and at the right time. Here they are in one neat post so you can get just about everything you need to know about managing your cash flow.

Stall Your Way to Better Cash Flow

Capital Solutions Bancorp — Wed, 04 Nov 2009 16:23:27 -0500

Make this your cash flow mantra: "Take your time paying your bills while sending out invoices as soon as you can."

You might ask if paying late will affect your credit rating. The timing of when you pay your vendors has no impact on your credit score. Rather, you'll hurt yourself worst if you don't have available cash flow to pay taxes or use up all of your line of credit.

Banks Pick up Credit Card Distribution

Capital Solutions Bancorp — Fri, 16 Oct 2009 11:55:51 -0400

The Wall Street Journal reports that banks have mailed more credit cards to small businesses than in previous months. These include Chase, Barclays, Citibank and Bank of America. Could this mean banks are starting to relax their credit requirements?

One sign that could support the improved conditions is that the Small Business Administration (SBA) has seen its 7(a) and 504 loans go up by more than 60% since March. However, lending hasn't caught up to past rates, these actions indicate good signs.

Capital Solutions Bancorp Fall 2009 Survey

Capital Solutions Bancorp — Wed, 23 Sep 2009 14:26:45 -0400

Collections and Payments with Big and Small Companies

Capital Solutions Bancorp — Tue, 01 Sep 2009 14:15:28 -0400

The Wall Street Journal worked with REL Consultancy to conduct an analysis on collections and payments. Large companies—defined as earning over $500 million in sales—work to collect fast (average of 41 days) while they tend to take their time paying (average time of 55.8 days). Companies earning less than $500 million do the opposite: pay on time (40.1 days), wait for cash longer (58.9 days).

How to Deal with Cash Flow Problems

Capital Solutions Bancorp — Mon, 17 Aug 2009 18:18:22 -0400

Cash flow problems often don't last long, but you want to understand how they happen so you can fix it right away or prevent your business from running into cash flow problems. Low or no working capital is one of the biggest reasons that businesses fail. Remember your business could be doing well and even making a profit, yet it can run out of cash. It's all about timing and management.

Simply put: Make sure you have more cash flow into the business than going out to pay expenses and make payroll.

Your Attitude Affects Your Business

Capital Solutions Bancorp — Mon, 20 Jul 2009 13:16:43 -0400

Running a business takes more than making sure you have cash flow, the right people and high quality product or service. It also requires the right attitude. Yes, the right attitude even with the economy in turmoil.

Control Your Attitude

Don't let the economy and what's happening on the news become your reality. Many businesses continue to thrive -- they don't make it on the news because there's no angle. And the news doesn't report happy stories without an angle.

Find Hidden Savings for More Cash Flow

Capital Solutions Bancorp — Wed, 15 Jul 2009 12:16:11 -0400

You may have many solutions for cutting costs and find hidden money waiting for you to take action and not realize it. Take a good look at your business. Sometimes we forget that we have options because we do something the same way for so long.

Can't think of anything? OK, we'll show you the savings! Maybe these ideas will spark ideas that you can apply to your business.

This Is the Time to Spend Not Cut Back

Capital Solutions Bancorp — Wed, 08 Jul 2009 03:17:28 -0400

You have probably heard some variation of this quote: "Those who cannot remember the past are condemned to repeat it." The quote is attributed to George Santayana. In other words, if you don't learn from history, you're doomed to repeat it. It's OK to fail. That's how we learn not to make the same mistake again. Failure is not an option if you're not going to learn from what went wrong.