{"componentChunkName":"component---src-templates-knowledge-page-knowledge-page-tsx","path":"/knowledge/cashflow/","result":{"data":{"contentfulKnowledgePage":{"name":"The importance of managing your cash flow","description":"Cash flow management means monitoring the money coming into your business and outgoings such as bills and salaries. It can give you a bird's eye view of your business performance while, also ensuring that you can pay your bills.","slug":"cashflow","customCtaText":"Get Finance","seo":null,"author":null,"hero":null,"heroTitle":"Cash flow management","heroDescription":{"heroDescription":"Understanding cash flow and how to prevent negative cash flow is central to a successful business."},"content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Cash flow is one of the most frequently discussed terms among SMEs. But do you know some of the key related terms, how to manage cash flow and what you need to know to reach a deep level of understanding about cash flow management? \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"What is cash flow?\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Cash flow refers to the amount of money going in and out of a business. The inflow of cash day-to-day is usually from the sale of goods and services. Money flowing out equates to payments made to suppliers, HMRC and any other expenses that a company pays from its \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/business-current-accounts\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"bank account\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\".\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"How to manage your \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\"?\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"There are dozens of ways to improve and manage your cash flow, but in this article, we will focus on the primary considerations for business owners to manage cash flow. If you can get a handle on these important areas, your business will hopefully always be in a position where the amount of money coming into your business is greater than the money moving out of your business. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"How to create a \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" forecast\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"You might only use the services of an accountant for tax returns or ad-hoc requirements, so for many businesses, it will be on the business owner to prepare a cash flow forecast. Regular and accurate cash flow projections can signal if trouble is on the way long before it is too late to react. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"The first step is to create a list of assumptions to base your forecast on. This will require you to predict the price of your regular expenses, and sometimes for this, you will need the help of your suppliers, who can advise if they plan to increase their prices in the coming months. Central to the forecast will be a projection of the growth or decline in your sales, due to seasonal changes or trading headwinds. Of course, you will need to plug in any projected salary increases, fuel, energy costs etc.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Calculate revenue\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-3\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Most businesses will have a fair idea of their sales pipeline and when/if leads will turn into sales, and the sales figures for the upcoming financial year. It might be worth considering a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/blog/education/what-are-debtor-days\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"debtor's days\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" calculation, which is the average number of days required for a company to receive payments from its customers. If many of your customers take a widely different timeframe to pay for goods and services, you can use an average for all of them combined.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Identify expenses\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-3\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Expenses for the purposes of a cash flow statement are anything you spend money on including wages, supplier costs, rent and rates, purchase of \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/plant-machinery-finance\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"plant and machinery\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\", and directories remuneration. Bear in mind that you will also need to add interest payments along with insurance premiums. Start with last year’s bank statements and then try to anticipate an additional outgoing in the coming year. You will need to get an accurate view of your opening and closing financial position for next month, six months and 12 months.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Review finances\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-3\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Cash flow forecasts need to be reviewed often and updated to provide the most realistic reflection of your business, always based on correct assumptions. This involves stress testing your projections. If sales decrease, unexpectedly, will you still be able to cover wages and salaries? What would happen if an expensive piece of machinery needed to be replaced? Would this put you in the red?\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Why poor \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" management is risky for SMEs\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Many small businesses find it challenging to manage cash flow. This is often a result of an inability to access financial resources. Large businesses will have a readily available \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/blog/education/short-term-business-loans-how-can-they-benefit-smes\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"source of funds\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" for short-term needs, whereas small businesses will have to more accurately match net income or net cash to monthly outgoings, to avoid negative cash flow. In the worst-case scenario, business owners will have to dip into personal funds to cover expenses, but this should never happen to a profitable business. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"What can business owners do to protect against \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" problems?\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Cash flow forecasts and projections can only go so far. If the market changes unexpectedly or a key customer account is lost, these forecasts are redundant. For this reason, firms suffering from temporary cash flow problems will often look to apply for a short-term \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"business loan\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\". However, if the issue is related to seasonal net income differences, it might make more sense to try \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-finance/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"invoice financing\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\". But, there are many other options, including but not limited to the following if you plan to grow your business despite cash restrictions.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Sell or \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-refinance\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"refinance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" valuable business assets\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/flexible-business-overdrafts\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"Business overdrafts\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" can be used by businesses that have predictable dips in working capital levels\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Reduce \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/blog/education/what-are-debtor-days\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"debtor days \",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\"by building better contractual payment terms with customers\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Use an  i\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-finance\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"nvoice finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" service, to receive invoice payments upfront before customers have paid\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Set up new \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/revolving-credit-facility\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"credit facilities\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" as there might be lenders who could offer you better terms\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"}],\"nodeType\":\"unordered-list\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"What are \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" loans?\",\"nodeType\":\"text\"}],\"nodeType\":\"heading-2\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"A\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\" \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\" \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\"loan is a short-term business loan that helps businesses have enough cash to see them through the temporary period of a shortfall. A business owner can borrow money and repay it over time. Cash flow finance enables businesses to plug the gaps caused by supplier delays and unexpected expenses.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Cash flow lending example\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Imagine your main customer is two weeks late on a quarterly account payment. Your accounts team have chased it, but had no luck, and to make matters worse one of your machines has broken down. Instead of putting off the replacement of a new machine, you can apply for a \",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"},{\"data\":{},\"marks\":[],\"value\":\" loan to cover the purchase and set the payment terms to a time when you know your bank account will be healthier looking.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{\"target\":{\"sys\":{\"id\":\"6F02nkxXvOa4IbaFQMyPbL\",\"type\":\"Link\",\"linkType\":\"Entry\"}}},\"content\":[],\"nodeType\":\"embedded-entry-block\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}","references":[{"contentful_id":"6F02nkxXvOa4IbaFQMyPbL","title":"Find funding","linkUrl":"https://www.fundingoptions.com/get-started","variant":"Yellow","sys":{"contentType":{"sys":{"id":"ctaButtons"}}}}]},"dialogueWithCta":{"title":"Understanding Cash 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