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Submitted : 2011-06-08 00:00:00Word Count : 872Popularity: Not RatedTags: cash flow, cash flow problems, small business, cash in a small business, cash flow in small business, small business problems, real estate, commercial real estate
How To Survive Cash Flow Problems With Your Small Business
Frank Rolf is regarded as one of the leading Manufactured Housing Industry experts. Frank is involved with leading websites on and .
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Every company suffers from cash-flow problems, and [url=http://www.ilyav.com/uggpascher.php]boots ugg pas cher[/url] even the largest companies in the U.S. have stood on the verge of insolvency at least once in the history of their existence. Every owner of a business must know the strategies required to survive such periods of hardship and to control and recover [url=http://www.thehygienerevolution.com/barbour.php]barbour[/url] from these episodes.
There are several steps to managing and taking control of cash flow emergencies.
Know your true position at all times.
If you are to make fast, accurate decisions, then you must know at all times what your debts are, as well as your assets to meet those debts. It is not important that you know them to the penny, but you must have a ballpark idea to be an effective manager. In this manner, you can spot cash flow problems early on and take the necessary steps to subdue them, rather than be caught off-guard and potentially be overwhelmed.
Think of it no differently than an [url=http://www.1855sacramento.com/peuterey.php]peuterey outlet[/url] army commander who tracks where his forces are, as well as the locations of his enemies, so he can spot when forces must be moved.
Separate your bills into several categories.
The first cut is to separate "recourse" debts from "non-recourse". "Recourse" debts are ones in which the lender can take immediate, drastic steps if unpaid - steps that could potentially shut down your business. These would include the mortgage, note payments, and utility bills. The [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie pas cher[/url] other types of bills are what are called "non-recourse". These include VISA and Mastercard amounts - things that don't have any tie-back of immediate action if you do not pay them, other than incessant collections calls.
Of these non-recourse debts, you will want to split the stack again into a pile called "important" debts [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] that you still need to do business with in the future and "non-important" debts [url=http://www.1855sacramento.com/woolrich.php]woolrich[/url] with vendors you no longer use or that [url=http://www.1855sacramento.com/moncler.php]moncler outlet[/url] have no immediate impact on your business (like a bill or a newspaper ad that did not pull any customers and you would never advertise in again).
"Cut and spread" those that are recourse or important non-recourse bills.
You are going to focus your priority on 1) recourse bills and 2) important non-recourse. What happens to the non-important recourse bills? You guessed it, those are going to go unpaid for the moment. On the others, you are [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] going to utilize a tactic called "cut and spread". Under this technique, the business owner goes to each vendor and asks them reduce their bill as a result of the current economic hardship, and then break the past-due amount up into affordable monthly payments. This technique allows you [url=http://www.mnfruit.com/abercrombie.php]abercrombie[/url] to gain time to turn your business around. It is made possible by the vendor's terror of losing you as a customer, which might lead to their own cash-flow crisis. You will be amazed at how many businesses will work with you if you only tell them the truth and ask for their help.
Don't be pushed around.
One of the collections tactics used by most non-recourse lenders is to push and harass you into paying them. Don't fall into this trap. Don't let a vendor bully you into paying them outside your strategic template. If a vendor is in your "non-important" pile of non-recourse debt, [url=http://www.achbanker.com/homes.php]hollister france[/url] then you are not going to be paying them any time soon no [url=http://www.mquin.com/saclancel.php]lancel[/url] matter how many times they call you.
You might consider directing all of these type of "collection" calls to a phone number that does not even ring but goes straight into voicemail. Answering this type of collections calls will only slow you down and depress you - it serves no benefit to you at all.
If a vendor tries to sue you, fight aggressively. If they file a suit, file a counter-claim. Make up any reason that you should not pay and bluff the vendor. Often, vendors will not go to court unless they think they will have a 100% chance of winning. So the nastier you are to them, the more likely they will leave you alone, which gives you time to execute on your plan.
Remember Winston Churchill's quote "if you are going through hell, keep going".
Fighting cash-flow wars is a brief episode - it is not a lifelong battle. Once you have worked through your problems, then will be behind you and you will learn from your mistakes. Don't think that your life is ruined or that you can't bear to go on. Think of how nice things will be when you get past this phase, and stay optimistic.
J. Paul Getty, who was once the richest man in America, used to love cash-flow problems. Getty thought that they were the catalyst to improve businesses, forcing the removal of dead weight and re-focusing the business on the simple [url=http://www.mnfruit.com/abercrombie.php]abercrombie pas cher[/url] mechanics of sales and being prudent. He actually welcomed such crisis, and loved to be at the forefront of the attack to cure them.
Conclusion
Cash flow problems happen to everyone. Don't be ashamed - use them as a valuable learning tool. Develop a strategy and execute on that strategy. You can handle a cash-flow crisis, and you will be amazed at the side benefits of having such a problem. You will emerge better for it.
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