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Cash Flow Chaos: How to Fix the #1 Small Business Killer
Manage episode 479882927 series 3659123
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Cash flow problems aren’t just an inconvenience—they’re the silent killers of small and mid-sized businesses. In this episode of The Business Fix, Chrissy (the CEO) and Josh (the marketing and operations guy) dive deep into cash flow management, sharing real-world stories, hard-earned insights, and practical tools for business owners and managers.
From surviving unexpected expenses to knowing when to hold reserves or confidently invest, this episode is packed with tactical advice on how to stabilize your finances, build smarter budgets, and avoid cash flow nightmares—all with the usual dash of humor you’ve come to expect from The Business Fix.
You’ll learn:
--How to identify and avoid common cash flow pitfalls
--Why failing to budget is like building a boat after it’s already started sinking
--What to pay first when you can’t pay everyone
--Smart strategies for handling late-paying clients
--When (and how) to use credit as a growth tool
--Why good financial forecasting separates surviving businesses from thriving ones
--The difference between budgeting for survival and budgeting for growth
Whether you're struggling to cover payroll or just landed a surprise windfall and don’t know what to do with it—this episode is for you.
🔗 Want support on your own business cash flow?
Visit TheBusinessFix.com to connect with Chrissy and Josh, download free resources, and subscribe for updates.
👇 Don’t forget to:
👍 Like, 🔔 Subscribe, and 💬 Leave a comment if this episode helped you better understand your business finances!
Chapters
1. Introduction: Cash flow is your business's balance bar (00:00:00)
2. A car crashes into the office (for real) (00:00:45)
3. Why cash flow matters more than most business owners think (00:03:10)
4. Top cash flow pitfalls and how to avoid them (00:04:35)
5. The 3 expenses you should never skip (00:05:23)
6. Budgeting vs. forecasting: What’s the difference and why both matter (00:08:00)
7. How to manage revenue windfalls and avoid overspending (00:13:06)
8. Smart use of credit, reserves, and external funding (00:18:02)
9. Late payments: Setting terms and protecting your cash flow (00:24:10)
10. Knowing when to stop working for non-paying clients (00:30:00)
11. Good debt vs. bad debt: What to know before you borrow (00:32:02)
12. Final thoughts + how to get support from Chrissy and Josh (00:41:00)
2 episodes
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