10/23/2026
Your business might be profitable on paper and still struggle to pay Friday's bills. 💸
That's why every small-business owner should consider adding a 20-minute cash-flow check to their weekly routine.
No expensive software required. Just your financial records, a spreadsheet, and a little consistency.
Here's the process:
1️⃣ Know your available cash.
Check how much money is actually available in your business accounts.
Remember, an unpaid invoice isn't the same as money in the bank.
2️⃣ Review what's coming in and going out.
Identify customer payments expected over the next two weeks, along with upcoming payroll, rent, utilities, taxes, and vendor payments.
3️⃣ Calculate your 14-day cash cushion.
Compare your available cash and realistic incoming payments against your upcoming obligations.
If the numbers suggest a shortfall, you have an opportunity to act before it becomes an emergency.
Maybe that means following up on overdue invoices, negotiating payment terms, or postponing a nonessential purchase.
The goal isn't to predict every dollar perfectly. It's to avoid being surprised by expenses you already knew were coming.
👉 This Friday, dedicate 20 minutes to reviewing your business's next 14 days.
Your future self might appreciate the warning!
For additional guidance, explore the SBA's small-business financial management resources.
https://www.sba.gov/counseling/manage-your-business