Cash Flow by Design

Your business can be profitable and still run out of cash.

Revenue can be growing. Customers can be paying. Your income statement can show a profit. And yet your bank balance can still feel dangerously tight.

The problem is often not a lack of sales. It is a lack of visibility into when cash arrives, when it leaves, and how business decisions affect liquidity.

Cash Flow by Design gives small business owners a practical financial system for understanding cash before it becomes a problem.

Inside, you'll learn how to:

• Build a rolling 13-week cash flow forecast
• Identify your lowest-cash week before a shortfall occurs
• Understand DSO, DIO, DPO, and the Cash Conversion Cycle
• Turn accounts receivable into faster, more predictable cash
• Manage supplier payments without damaging relationships
• Find cash trapped in inventory and recurring expenses
• Improve pricing, contribution margins, and break-even economics
• Evaluate hiring, purchases, expansion, and debt using real financial logic
• Build a cash reserve and stress-test your financial plan
• Create a simple weekly, monthly, and 90-day financial management system

This is not a bookkeeping manual, and it is not a complicated finance textbook.

It is a practical framework for owners, founders, entrepreneurs, and operators who want to understand the financial consequences of everyday decisions without needing an accounting degree.

You'll also find practical worksheets, decision frameworks, forecasting tools, and a one-page business money dashboard designed to help you move from watching the numbers to using them.

Because the goal is not simply to make more money.

The goal is to know where your cash is going, see what is coming next, and make better decisions before a cash problem becomes a business problem.

Know your cash. Forecast it. Protect it. Use it wisely.