Cash Flow + Reserves
Use these guides to understand cash floors, 13-week forecasts, receivables, deposits, and the difference between busy and healthy.
Topic briefroom
A working index, not a blog roll.
Each brief is written to help an owner name the decision, identify the signal, and decide whether the issue needs a system, a rule, or a conversation.
01
13-week cash forecast explained
A 13-week forecast shows the near-term cash trough before the owner makes payroll, tax, equipment, or distribution decisions.
02
Cash floor: how much should stay in the business
The cash floor is the level the company should not casually dip below without a reason.
03
Why profit and cash disagree
Profit can look fine while cash is tied up in receivables, inventory, deposits, payroll timing, or debt service.
04
AR aging and collection pressure
Receivables growing faster than sales means earned cash is not reaching the bank.
05
Customer deposits, overbilling, and earned cash
Cash received before work is finished can make the bank balance look stronger than the business really is.
06
When to hold cash vs reinvest
Reinvestment should come after the company protects payroll, taxes, reserves, and the capacity to finish work.
Want this applied to your actual numbers?
The briefs cover the thinking. An engagement puts it into your categories, budget, cash rules, and monthly review.
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