10 Jul Strategies to Keep Your Cash Flow More Predictable and Consistent

When operating a small business, maintaining an even cash flow can be particularly challenging. But planning ahead and making good use of a cash flow loan, when necessary, can help.

If you own a small business and face cash flow issues, you should know you aren’t alone. Approximately 41 percent of small business owners responding to a 2017 WePay survey said they had experienced cash flow problems within the past year. And of those hit by cash flow issues, 59 percent rated the effect as “highly consequential” or “consequential.”

Those polled by WePay also pointed to emotional and administrative problems resulting from cash flow issues. With the sweeping nature of this challenge in mind, here are three ways small businesses can prepare to avoid these problems.

1. Forecast to Anticipate Problems

Projecting sales and expenses is critical for managing cash flow, especially if your business faces seasonal lulls like those typical in retail or construction.

Predicting seasonal impacts to your cash flow can be hard if you’re just starting your business because you don’t have years of financial data to learn from. However, forecasting is still extremely helpful. Look at population data to understand the ebb and flow of seasonal customers. Or ask for advice from other local business owners or your chamber of commerce. It won’t be a perfect science at first, but after a few years, you’ll be able to refine your projections based on actual sales data and patterns.

Forecasting sales based on historical data and planning can position you to maximize revenue earned during peak periods – which can carry you through seasonal changes. This type of planning isn’t just useful for seasonal businesses. Every business should leave space in the budget or have access to a cash flow loan to cover unforeseen costs.

2. Use Customer Lock-in to Avoid Unexpected Revenue Loss

Whether you lose a large client or have a few customers cancel services at the same time, the revenue consequences can be significant. A decrease in cash flow can leave you scrambling to make sales, keep up with expenses, and stay afloat. However, securing a bridge loan for your business can be a way to get the cash infusion you need to cover expenses.

Bridge loans are one way to access working capital and provide you with stopgap financing. But you can also use contract structures to reduce the likelihood of this happening in the first place. Create contracts that vary the times when clients can opt out, so they will be locked in for certain periods. If you balance these considerations across your contracts, you can minimize how many customers you stand to lose at a given time.

3. Plan for the Unexpected

Maybe the launch of a new product fails, or a disaster event hits your business. Whatever the reason, real emergencies happen to businesses every day. You can use forecasting and strategic budgeting to set aside funds for emergencies. But when that isn’t enough, consider a short-term cash flow loan to get your business back on track.

Using Business Bridge Loans to Stay Afloat

When it comes to cash flow loans, small business owners often have trouble securing capital through traditional lenders. Most cash flow loans are too small and too urgent to go through the regular banking process. As an alternative lender, QuickBridge uses an advanced technology platform to process loan applications quickly – often getting funds to the borrower within 24 hours.1

It may be intimidating to think about taking on a loan when your business is dealing with cash flow problems. But QuickBridge stands out in this area. Our business bridge loans, also known as gap financing, offer short-term cash flow coverage for basic but essential expenses, helping you to meet your financial obligations on time without busting your budget.

Contact us today and let us help you gain control of your business.


1Fast approvals and 24-hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank; financing for more than $200,000 may require additional underwriting review time. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.

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