14/07/2026
How much cash should your business keep in reserve?
There’s no single answer that works for every business.
For many, 3–6 months of operating costs can be a useful starting point. But the right amount depends on your industry, monthly costs, growth plans, and how much risk your business carries.
This is where many owners get caught out: Profit does not always mean available cash.
A business can be profitable and still feel exposed if there isn’t enough cash set aside for quieter periods, unexpected costs, or future growth decisions.
Cash reserves are not about holding money for no reason.
They’re about giving your business breathing room.
📩 Want help understanding the right cash reserve for your business?
Speak to Wellers today: [https://bit.ly/4w28Vnz]