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Do it Today, for Better Business Cash Flow Tomorrow

Here are 10 cash flow rules you can implement

immediately that will transform the way you manage your business from this point forward. These rules are the keys to creating the kind of financially successful business you deserve.

1. Never Run Out of Cash.
Running out of cash is the definition of failure in business. Make the commitment to do what it takes so it does not happen to you.

2. Cash Is King
It's important to recognize that cash is what keeps your business alive. Manage it with the care and attention it deserves. It's very unforgiving if you don't.

Remember, Cash Is King, because No Cash = No Business.

3. Know the Cash Balance Right Now.
What is your cash balance right now? It's absolutely critical that you know exactly what your cash balance is.
Even the most intelligent and experienced person will fail if they are making business decisions using inaccurate or incomplete cash balances. That's the reason why business failures are not limited to amateurs or people new to the business world.

4. Do Today's Work Today.
The key to keeping an accurate cash balance in your accounting system is to do today's work today. When you do this, you will have the numbers you need - when you need them.

5. Either You Do the Work or Have Someone Else Do It.
Here is a simple rule to follow to make sure you have an accurate cashbalance on your books. You do the work or have someone else do it.

Those are the only two choices you have. The work must be done. It'slike mowing the lawn. You can't just ignore it. Someone has to do it.That means either you do it or have someone else do it.

6. Don't Manage From the Bank Balance.
The bank balance and the cash balance are two different animals. Rarelywill the two ever be the same. Don't make the mistake of confusingthem.

It's futile (and frustrating) to attempt to manage your cash flow usingthe bank balance. It's a prescription for failure. You reconcile yourbank balance. You don't manage from it.

Rock Solid Funding Solutions Helps You

Build Your Business on A Rock Solid Foundation

~Strategy ~ Foresight ~Commitment ~

Our Merchants Success

Rock Solid Funding Solutions
   * Works with merchants needing working capital.

       * Has multiple funding sources.

            * Uses the program to best serve you            

               *  We have business experience.

                  *  Has expertise in cash flow applications.

                     * Bankcard processing available

                         * Resources to help your business.

Access your Hidden Business Assets with a Bankcard Processing Cash Advance using your future sales.

Get cash now because of
your solid future sales.
A no risk, manageable program to
enhance your business.

10 cash flow rules you can implement

7. Know What You Expect the Cash Balance to be Six Months From Now.
What do you expect your cash balance to be six months from now? This one question will transform the way you manage your business.

This question really gets to the heart of whether you are managing your business or whether your business is managing you.

8. Cash Flow Problems Don't "Just Happen."
You would be shocked and amazed at the number of businesses that fail because the owner did not see a cash flow problem in time to do something about it.

The key is to always be able to answer the question - what do I expect my cash balance to be six months from now?

9. You Absolutely, Positively Must Have Cash Flow Projections.
Cash flow projections are the key to making wise and profitable business decisions. They give you the answer to the all-important question from Rule # 7.
It's impossible to run your business properly without them.

10. Eliminate Your Cash Flow Worries So You Are Free to Do What You Do Best - Take Care of Customers and Make More Money.

This is the real key to your success in business. The reason you have to make sure you have the cash flow of your business under control is so you are free to focus all your time and talents where you can make the most difference in your business.

When you have your cash flow under control, you are free from worry, doubt and concern. You have the cash flow information you need to make sure that everything you do each day in your business is clearly focused on making your business better.

You have the information you need to measure your progress using the amount of cash you generate (and keep) for yourself and your business as your ultimate financial measurement. In subsequent columns, I will delve into the specifics to help you achieve each step.

From Phillip Campbell CPA



Sales coming into the business, need to be the primary source of capital, and are the cash flow for the business. Yet moving to the next level is important to a business, and can not always be achieved out of daily cash flow.

There is a saying -- A Business is either Green & Growing or Ripe & Rotting.

A business needs outside funding. Plain and simple, a successful business needs outside funding. If you are reading this, you already know this, and have come to the right place.

Small Business Cash Advance, Small Business Advance , Business Fast Cash, Small Business Factoring, Cash Flow, Financial Services, Small Business Financing, Financial Solutions, Business Funding, Alternative Financing, Credit Card Factoring, Transaction Processing, Restaurant Loans, Operating Capital, Alternative Funding, Traditional Loans, Small Business Cash, and the list goes on, are all term referring to Business Finance and the acquiring of funds in one way or another.

Acquiring this funding or not, can have a direct effect as to whether the business will succeed or fail, and to what degree of success the business will have. Opening the second and subsequent locations will guarantee success, if indeed the first location is doing well, the owner has the expertise to continue to run the business at a high productive level and the ship doesn't get any holes in it. That being, "a hole in the ship", by a key person leaving the company or dying, a natural disaster, (like Katrina, that left many, many successful, and well run businesses in ruin), or some other unforeseen event, that is out of the control of the competent business owner/manager.

Charles Lazrus, founder of Toy's RUS (r backward), was asked, just when his personal success came. Even though he was making a good living, and at that time had several stores, he said his success came when "he opened his second store".

You see all personal expenses stay the same, but when your second store or location makes money the same as your first store, your personal income doubles, and so on, and so on, and so on, not doubling with each location, but growing by the profit of each new location. Even though Toy's R US has nearly 600 stores in the US and 600 more stores around the world in 29 other countries, doing $11.1 billion USD in sales, the founder’s success came with the opening of that second store.

The timing of which a business is able to secure the funds it needs is as important as the funding itself. Make no mistake, the business owner needs to monitor their business, so that receiving funding in a time of need is not critical, but if this is the case, the business needs to select a funding provider that will not only fund in a timely manner, but honor pre-approvals, and not back out at the last minute, stall, give excuses, or ask for unnecessary paperwork because the funding provider has no approved funds to fund with, or some other internal problem.

This is critical to the business, and Rock Solid Funding Solutions can guide the business, and help them traverse the slippery slope of today’s funding industry.

Business loans provide funding from traditional banks or other funding providers, government loans also come from traditional banks, yet are much more time consuming and difficult to obtain in a timely manner.

Hard money lenders, typically specialize in funding to those that either can't get funding from a traditional lending institution, or don't want to wait for the long period that a small business loan may take, or need immediate cash. They may be able to get the cash they need, but will pay a high premium to the hard money Lender.

Commercial mortgage lenders normally specialize in and are licensed to do funding for real estate and or the building or both, that will be used by merchants to house their retail business, restaurant or offices.

With a cash advance, the proceeds of the daily batch are split-funded between the funder and merchant, by the bank. A merchant cash advance is sometimes tied to the merchant’s credit card or transaction processing. This is however, a double edged sword. On one side it allows the merchant to repay the funds to the funder, in a simple and manageable way. This is based on daily bankcard transactions batches. This could be just Visa/MC or it could also include Discover, or American Express, or both along with the V/MC transactions.

A prearranged percentage, generally 20% or less goes to repay the funder daily, and at the same time the remainder of the daily proceeds goes to the merchant the same way they would if a cash advance was not being repaid. Simply, once the account transfer mechanisms are set up the funding takes place, the funds are available to the merchant and the repayment process begins.

Mezzanine finance is unsecured debt that investment bankers or venture capital firms may participate in. Since mezzanine financing is usually provided to the borrower very quickly with little due diligence on the part of the lender and little or no collateral on the part of the borrower, this type of financing is aggressively priced with the lender seeking a return as high as 100% range. Mezzanine financing is advantageous because it is treated like equity on a company's balance sheet. Mezzanine financing may make it easier to obtain standard bank financing. However the costs involved may outweigh the benefits, and each company will have to examine the options carefully to determine if this type of financing is right for the company.

Invoice finance or factoring is simply a process, where a factoring company or investor, pays a merchant for an Invoice, at a discount, in advance of payment for that Invoice, from the company that received the product. Because this is done at a discount, the factoring company or investor makes the difference between the discounted amount that the merchant receives for the invoice, the amount the company that received the product and pays the invoice in full. There are several different processes to accomplish this, and each factoring company determines which one they use.

Factoring or Purchase order finance works in the same way as the factoring of invoices.

Account receivable factoring works in the same way as the factoring of invoices as well.

Business loans or loan come in a many forms as one can imagine. Normally business a loan comes from a traditional bank or funding source, and is secured, but there are cases in which a borrower with a good track record, and past stability can get an unsecured business loan.

A Reverse Merger, is transaction whereby the private company shareholders look to gain control of a public company by merging it in with their private company.

Angel investments bear extremely high risk, and thus require a very high return on investment. Because a large percentage of Angel investments are lost completely when early stage companies fail, professional angel investors seek investments that have the potential to return at least 10 or more times their original investment within 5 years, through a defined exit strategy, such as plans for an initial public offering or an acquisition.

Commercial mortgage lenders participate in commercial real estate deals, forgoing the residential market, however there are those that do both.

A venture capitalist (VC) is a person who makes investments. A venture capital fund is a pooled investment vehicle (often a limited partnership) that primarily invests the financial capital of third-party investors in enterprises that are too risky for the standard capital markets or bank loans. Venture capital can also include managerial and technical expertise. Most venture capital comes from a group of wealthy investors, investment banks and other financial institutions that pool such investments or partnerships. This form of raising capital is popular among new companies, or ventures, with limited operating history, which cannot raise funds through a debt issue. The downside for entrepreneurs is that venture capitalists usually get a say in company decisions, in addition to a portion of the equity.

A Construction loan, is typically moneys given to those who are building either a commercial building, complex or those building on a residential property. Moneys are disbursed by the bank to the owner that in turn; disburse to the general contractor, who in turn pays those subs that do the work. This takes place after the work is completed and inspected, during each phase of the construction project.

Hard money is typically from private investors, that desire to receive a high return for the risk involved.

Business Capital, Small business finance, business funding, bridge financing, can come from a number of sources depending on the business and business owner.

Small Business Government Loans or SBA loans as they are known, take a long, the business owner or principles need to be squeaky clean, so to speak and very few ever get them or they take a very long processing and qualifying time.

Swing Loan, Bridge Loans, Bridge Financing, also called Interim Loans and are used to bridge a short term cash problem, and can be secured or unsecured.

Credit card processors process credit card or bankcard transaction, and or credit card processing. They charge discount fees, sell the proper equipment for what a merchant is doing, or the type of business the merchant is engaged in. In today’s market place credit card processors also work with cash advance companies in the processes described above.