08/29/2026
🚨Ever had a Friday where you're doing mental math on whether the money coming in will actually clear before Monday's supplier payment goes out? 😮💨
You're not alone — and it doesn't necessarily mean anything is wrong with your business.
Take this real-world example: a Fergus contractor wraps up a $60,000 project in March. Great news, right? Except the client has net-60 payment terms, so that money doesn't land until May. Meanwhile, materials were paid for in February, subcontractors got paid in March, and payroll kept going out every two weeks like clockwork.
The job was profitable. But for two straight months, there just wasn't enough cash sitting in the account to breathe easy.
Charles Ndegwe Afunaduula, a business advisor based right here in Fergus, sees this exact pattern all the time with small and mid-size business owners: "Profit and cash are not the same thing. A lot of owners don't fully sit with that until it becomes a real problem."
In his new guide, Charles breaks down the practical fixes — building a 12-month cash flow projection, setting aside money for taxes automatically, matching what you give customers to what you get from suppliers, keeping the right size cash cushion, and knowing when it's time to bring in outside help.
If you've ever felt like your bank balance doesn't match how well your business is actually doing, this one's worth the read. 👇
📖 https://charles-ndegwe-fergus.mystrikingly.com/blog/charles-ndegwe-of-fergus-breaks-down-cash-flow-management-for-small-and
