Finance guide · 28 Aug 2025 · 5 min read
1. See cash weekly, not monthly
A simple 13-week cash view beats a perfect annual budget when liquidity is tight. Tie it to actual bank balances, known tax remittances, and payroll.
2. Shorten the order-to-cash cycle
Invoice on delivery, follow up on receivables by age bucket, and agree clear payment terms with key customers. Where margins allow, consider modest early-payment incentives.
3. Negotiate payables without damaging supply
Prioritise suppliers critical to revenue. Document any payment plans so tax and statutory obligations are never deferred informally.
4. Fix stock and margin visibility
Many SMEs discover cash problems late because branch or SKU-level margin is unclear. Monthly management accounts—even lightweight—surface leaks early.
5. Use advisory before crisis borrowing
Expensive short-term debt often follows absent forecasts. A focused finance diagnostic can clarify whether the issue is pricing, volume, tax timing, or working capital structure.
General information only—not tax, legal, or investment advice. For guidance specific to your business, contact KACERTIFIEX under an engagement or discovery discussion.
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