Cash Flow

How to Understand Cash Flow Loans

Whether you want to fulfill payroll obligations, open a new business branch, or invest in a promising opportunity, a cash flow loan is an excellent way to finance your capital needs. Confused about cash flow loans and how they work? Here’s an in-depth guide covering everything, from what a cash flow loan is to the […]

How to Improve Cash Flow for Your Trucking Company

Most small business owners are acutely aware of the challenges associated with expanding their business. Trucking companies are no exception. It isn’t easy to establish and maintain a trucking business. It takes hard work, business knowledge and quick thinking to succeed. While not all business owners will be successful, those who succeed take the time […]

Cash Budget vs. Statement of Cash Flows

As a business owner, managing cash is a tedious but necessary part of the job. Keeping a hold of your cash flow is critical for a thriving, successful business, but it’s not always the simplest task or the easiest to understand. Two terms often thrown around in the realm of business management are ‘cash budget’ […]

How to Calculate the Cash Conversion Cycle

When you’re running a small business, you must know several formulas to keep expenses low and maintain high-profit margins. Other formulas present business owners opportunities to know how fast their inventory is selling and tracking cash flow, called the cash conversion cycle (CCC). It’s also known as the net operating cycle. Read on to find […]

Cash Flow Analysis Techniques and Tips

Running a small business is no easy feat, but running a successful small business takes even more time and skill. Performing a cash flow analysis and looking at your expenses can be the difference between your business floating or sinking. Knowing the financial health of your company helps you identify what you’re doing right and […]

The Importance of Cash Management to Small Business Success and Tips to Do It Effectively

Keeping cash flowing is a business’s key to success. Sadly, companies that do not manage their cash smartly tend to fail quickly. Along with making a profit, keeping the cash flowing is vitally important, especially for small businesses that are getting started. Young businesses often suffer from cash flow problems, and they need that money […]

What Is the Cash Ratio and How Is It Used?

The cash ratio, also known as the cash asset ratio, is a liquidity measurement used by financial analysts. Its purpose is to evaluate a company’s capability to pay off any short-term debts. This capability is determined by calculating the ratio of the short-term assets against a company’s short-term liabilities. There are two other common ratios: […]

How to Create a Business Cash Flow Statement

What exactly is a cash flow statement? Before you can make one, it is essential to understand the definition of what a cash flow is. Cash flow is a company’s ability to generate revenue and the operational turnover of a business. The cash flow statement is part of the trifecta of financial statements that are […]

9 Ways for Businesses to Survive and Thrive During COVID-19

No matter the size of your business, it probably has been caught in the crosshairs of COVID-19 in one way or another. The pandemic has brought businesses to their knees, fighting to keep customers and finding new ways to stay innovative and grow. Businesses can survive during the COVID-19 pandemic, but it’s going to take […]

How to Get Your Invoice Paid Faster

For many companies Accounts Receivable collection can at best be described as a chore and at worst as an anxiety-inducing experience where one large delinquent customer can put their own business in jeopardy. As a bank that offers factoring, or Accounts Receivable financing, The Southern Bank has a wealth of experience optimizing accounts receivable collection […]

Cash Flow Problems and Customer Payment

What do agencies, staffing companies, manufacturers, consultants and other industries all have in common? In addition to supplying products and services to Fortune 500 companies, they’re all subject to the same strain caused by one of the latest trends in corporate finance – longer payment terms. More often than not, cash flow problems and extended […]