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9 articles
A business line of credit is flexible borrowing you draw on only when needed — useful for managing cash flow and unexpected costs. Here's how it works, how it differs from a loan, and when to use it.
Profit and cash flow sound like the same thing, but they're not — and confusing them sinks businesses that look successful on paper. Here's the difference, why it matters, and how to manage both.
A business budget is your plan for the money coming in and going out — the tool that keeps a business financially in control. Here's how to create one and use it to run a healthier business.
Every business has slow periods — predictable or not. Here's how to prepare for, manage, and even make the most of a slow season, so a quiet stretch doesn't become a crisis.
Debt can fuel a business's growth or sink it — the difference is how it's used and managed. Here's how to think about business debt, distinguish good from bad, and keep it under control.
Working capital is the cash and short-term resources a business needs to operate day to day. Here's what it actually is, why running low on it sinks businesses, and how to manage it well.
A cash reserve is the buffer that keeps your business alive through slow months and surprises. Here's why it matters, how much to aim for, and how to build one without starving your growth.
Late payments strangle small businesses and freelancers. Here's how to set terms, build a professional invoice, and follow up so clients pay you on time — without the awkwardness.
Profitable businesses go under all the time — because profit isn't the same as cash. Here's how to manage cash flow, the timing of money in and out, so your business never runs dry.
