{"id":7417,"date":"2022-02-14T08:00:00","date_gmt":"2022-02-14T08:00:00","guid":{"rendered":"https:\/\/www.sage.com\/en-gb\/blog\/?p=7417"},"modified":"2026-04-22T14:44:35","modified_gmt":"2026-04-22T13:44:35","slug":"cash-flow-management-tips-businesses","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-gb\/blog\/cash-flow-management-tips-businesses\/","title":{"rendered":"An in-depth guide to cash flow management for small businesses"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tAn in-depth guide to cash flow management for small businesses\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tOptimising working capital is essential for any business. Discover how Sage cash flow management software delivers real-time data, accurate forecasts, and flexible scenario planning\u2014so you can stay prepared, build reserves, and make the most of your excess cash.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2022-02-14T08:00:00+00:00\">14 February, 2022<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"An in-depth guide to cash flow management for small businesses\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-gb\/blog\/cash-flow-management-tips-businesses\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-gb\/blog\/author\/asavinwattanajantra\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/Asavin-350x350.jpg\" class=\"entry-author__image\" alt=\"Asavin\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/Asavin-350x350.jpg 350w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/Asavin-768x768.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/Asavin-810x810.jpg 810w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/03\/Asavin.jpg 1000w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Asavin Wattanajantra<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Cash flow is the lifeblood of your small business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When cash is flowing smoothly in and out, you can confidently cover employee wages, supplier payments, rent, utilities, taxes (such as VAT, Corporation Tax, and PAYE), and other operating expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ve got the freedom to reinvest in your business\u2014whether that&#8217;s buying new tools and tech, growing your team, or ramping up your marketing efforts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But keeping that balance in check? It&#8217;s not always easy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains what cash flow management is, why it&#8217;s critical, and the key cash flow management techniques you can follow to stay in control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here&#8217;s what we cover:<\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-is-cash-flow-management\" data-level=\"2\">What is cash flow management?<\/a><\/li><li><a href=\"#what\" data-level=\"2\">Why is managing cash flow important?<\/a><\/li><li><a href=\"#h-typical-cash-flow-management-process\" data-level=\"2\">Typical cash flow management process<\/a><\/li><li><a href=\"#h-cash-flow-management-examples\" data-level=\"2\">Cash flow management examples<\/a><\/li><li><a href=\"#h-common-issues-with-cash-flow-management\" data-level=\"2\">Common issues with cash flow management<\/a><\/li><li><a href=\"#h-how-to-manage-cash-flow-effectively-key-techniques\" data-level=\"2\">How to manage cash flow effectively: Key techniques<\/a><\/li><li><a href=\"#h-how-cash-flow-management-software-optimises-your-process\" data-level=\"2\">How cash flow management software optimises your process<\/a><\/li><li><a href=\"#h-final-thoughts\" data-level=\"2\">Final thoughts<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-cash-flow-management\"><strong>What is cash flow management?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash flow management is the process of tracking, analysing, and optimising the movement of money into and out of your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In other words, it&#8217;s about making sure the money coming in (your accounts receivable) consistently covers or exceeds the money going out (your accounts payable).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ideally, you want to maintain positive cash flow\u2014more cash coming in than going out\u2014so you can cover your expenses, invest in growth, and build a financial cushion for unexpected events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you haven&#8217;t already, now&#8217;s the time to set up a proper business cash flow management system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It all starts with bookkeeping.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sure, it&#8217;s not the most exciting part of running a business, but it&#8217;s absolutely essential to understanding your financial health.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll want to keep accurate, up-to-date records of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payments received and customer sales.<\/li>\n\n\n\n<li>Bank statements and transaction history.<\/li>\n\n\n\n<li>Invoices issued and bills received.<\/li>\n\n\n\n<li>Outgoing payments to suppliers, service providers, and employees<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-types-of-cash-flow\"><strong>Types of cash flow<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the different types of cash flow helps your team get a complete overview of your financial performance:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Operating cash flow:<\/strong> day-to-day business activities like sales and expenses.<\/li>\n\n\n\n<li><strong>Financing cash flow:<\/strong> money from loans, investors, or paid out to shareholders.<\/li>\n\n\n\n<li><strong>Investing cash flow: <\/strong>money spent on or earned from assets like equipment or property.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what\"><strong>Why is managing cash flow important?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash flow management is critical in business resilience and growth\u2014especially for small businesses with limited margins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s why it matters:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-keeping-small-businesses-running\"><strong>Keeping small businesses running<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When uncertainty strikes, large companies typically have the advantage of cash reserves to cushion them through delays, downturns, or unexpected disruptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Smaller businesses, however, often operate with thinner margins and less financial flexibility.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Without solid cash flow management, even minor setbacks\u2014like a late payment or sudden expense\u2014can put daily operations at risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-planning-for-disruptions\"><strong>Planning for disruptions<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Take the 2021 shipping crisis, for example. Supply chain delays caused inventory shortages for many small businesses, leading to stalled sales and rising costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those without strong cash flow planning struggled to stay afloat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In contrast, businesses with healthy reserves and reliable forecasts were able to adapt\u2014shifting timelines, managing expenses, and sourcing alternatives without running into a financial crisis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gaining-visibility-and-control\"><strong>Gaining visibility and control<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consistent <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/why-you-should-be-doing-cash-flow-analysis\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash flow monitoring<\/a> gives you the opportunity to make smarter decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether preparing for slower seasons, navigating an emergency, or jumping on a growth opportunity, a clear view of your cash position helps you act confidently\u2014not guesswork.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-building-investor-and-lender-trust\"><strong>Building investor and lender trust<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Healthy, well-managed cash flow is a sign of financial stability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can build trust with investors, lenders, and stakeholders, showing that your business is prepared for challenges and positioned for sustainable growth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This credibility makes it easier to secure funding or support when needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-typical-cash-flow-management-process\"><strong>Typical cash flow management process<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The cash flow management process can be broken down into six key stages, each designed to help you stay in control of your business finances:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-cash-flow-forecasting\"><strong>1. Cash flow forecasting<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-1-cash-flow-forecasting\">Estimate your future income and expenses to anticipate potential shortfalls or surpluses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Forecasting gives you a clearer picture of what&#8217;s ahead and helps you prepare for slow periods or plan for growth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-1-cash-flow-forecasting\">For example, if you&#8217;re part of a retail business that forecasts a drop in sales during the summer months, you might proactively reduce inventory orders to avoid excess stock and prevent cash from being tied up.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-cash-flow-monitoring\"><strong>2. Cash flow monitoring<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Track your actual cash inflows and outflows to make sure they align with your forecasts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monitoring allows you to spot discrepancies early and take corrective action before issues escalate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, imagine your catering company notices that utility bills have been higher than expected for two months straight.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because you&#8217;re monitoring cash flow weekly, you&#8217;ll quickly adjust your budget and investigate the spike.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-accounts-receivable-optimisation\"><strong>3. Accounts receivable optimisation<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Improve the way you collect payments to ensure customers pay on time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A steady cash inflow helps you maintain liquidity and meet your financial obligations without delays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, let&#8217;s say you run a marketing agency that adds payment links directly to invoices and offers a small discount for early payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This simple change reduces your average collection time from 45 days to just 30.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-accounts-payable-management\"><strong>4. Accounts payable management<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Accounts Payable (AP) is a core part of managing cash flow because it represents the money your business owes to suppliers and service providers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every outgoing payment affects your available cash\u2014so how and when you pay your bills matters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Staying on top of payment deadlines helps you avoid late fees and maintain good relationships with suppliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, negotiating favourable payment terms\u2014such as extended due dates or discounts for early payments\u2014can improve your cash position and give you more flexibility to manage day-to-day operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, you&#8217;re a small manufacturer that negotiates 60-day payment terms with your supplier instead of 30, giving you extra time to collect customer payments and stabilise cash flow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Effective AP management ensures that your outgoing cash flow is predictable and controlled, allowing you to better plan for growth, emergencies, or investment opportunities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-expense-management\"><strong>5. Expense management<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Identify areas where you can cut costs without sacrificing the quality of your operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reducing unnecessary expenses improves your profit margins and frees up more working capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, if you&#8217;re part of a consulting firm, you might review your software subscriptions and eliminate tools the team no longer uses\u2014saving \u00a3300 a month without affecting productivity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-review-and-adjustment\"><strong>6. Review and adjustment<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your cash flow plan isn&#8217;t something you create once and forget\u2014it should evolve with your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Make it a habit to regularly review your forecasts and financial reports so they reflect real-time changes in your operations, industry trends, or the economy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you run a seasonal business, you might update your monthly cash flow forecast and add a buffer for rising supply chain costs after noticing supplier prices have increased over the past quarter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-flow-management-examples\"><strong>Cash flow management examples<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are a few real-life scenarios to help you better understand how cash flow management works in action:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You run a retail business and use a cash flow forecast to plan for peak seasons, making sure you have enough stock\u2014and cash on hand\u2014to meet customer demand without overextending your budget. (This is an example of managing potential short cash during high-demand periods.)<\/li>\n\n\n\n<li>You <a href=\"https:\/\/www.sage.com\/en-us\/blog\/improving-cash-flow-management-construction-firms\/\" target=\"_blank\" rel=\"noreferrer noopener\">manage cash flow in a construction firm<\/a> that typically fronts the cost of materials and labour before receiving final payments. To improve cash flow, you implement progress billing and request partial payments at key project milestones. (This helps smooth out cash inflows and reduces the risk of shortfalls between job start and final payment.)<\/li>\n\n\n\n<li>You&#8217;re part of a startup that monitors operating cash flow weekly and negotiates better payment terms with suppliers to keep more cash in the business and maintain financial stability. (This is an example of preventing short cash and improving liquidity through better supplier management.)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-issues-with-cash-flow-management\"><strong>Common issues with cash flow management<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even thriving businesses can run into cash flow problems. The key is spotting issues early\u2014so you can act before they impact your ability to operate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some of the most common challenges:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-late-customer-payments\"><strong>Late customer payments<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When customers take too long to pay, it disrupts your incoming cash flow and makes it harder to cover day-to-day expenses like payroll and rent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-overspending-and-poor-expense-forecasting\"><strong>Overspending and poor expense forecasting<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re regularly spending more than you earn\u2014or underestimating future costs\u2014you risk depleting your cash reserves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can be especially problematic if you haven&#8217;t factored in things like rising prices, new hires, or maintenance needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-excess-inventory-and-poor-stock-planning\"><strong>Excess inventory and poor stock planning<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Holding more inventory than needed ties up cash and adds storage costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Without careful stock forecasting, you may end up with unsold goods that impact your cash position.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-seasonal-or-cyclical-demand\"><strong>Seasonal or cyclical demand<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses in industries with fluctuating sales patterns often experience uneven cash flow, making it harder to maintain consistency throughout the year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rapid-growth-without-planning\"><strong>Rapid growth without planning<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Scaling too quickly can strain your cash resources, especially if your income hasn&#8217;t caught up with increased expenses like staffing, equipment, or inventory.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-extending-credit-to-customers\"><strong>Extending credit to customers<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Offering flexible payment terms may help you win business, but it can delay cash inflows and leave you short when you need to pay your own bills.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unpredictable-revenue-patterns\"><strong>Unpredictable revenue patterns<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your income depends on variable or project-based work, it can be difficult to plan for consistent cash flow\u2014especially without solid forecasting tools.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-manage-cash-flow-effectively-key-techniques\"><strong>How to manage cash flow effectively: Key techniques<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-create-a-cash-flow-forecast\"><strong>1. Create a cash flow forecast<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A good forecast can be a lifesaver.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It helps you anticipate problems and make informed decisions. Start by listing out your assumptions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Projected sales based on market conditions.<\/li>\n\n\n\n<li>Price increases in materials.<\/li>\n\n\n\n<li>Seasonal fluctuations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Factor in outgoings like salaries, rent, and operational costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then, review and adjust regularly\u2014forecasts only help if they reflect your actual business reality.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-calculate-revenue\"><strong>2. Calculate revenue<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Estimate how much income you&#8217;ll bring in and when it will hit your account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;ve got a client who typically pays in 60 days, that delay needs to be part of your forecast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-identify-and-track-expenses\"><strong>3. Identify and track expenses<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review your outgoings in detail. Use past bank statements to anticipate future changes, such as salary increases or new subscriptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Have a clear idea of your financial position for the next month, 6 months, and 12 months.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-review-your-finances-regularly\"><strong>4. Review your finances regularly<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re never &#8220;done&#8221; with your cash flow forecast.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep refining it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask questions like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What happens if sales drop 25%?<\/li>\n\n\n\n<li>Can I afford to replace that critical piece of equipment?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Regular reviews help you make better decisions, faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-stay-on-top-of-financial-reporting\"><strong>5. Stay on top of financial reporting<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Financial reports provide insight and control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monitor profitability and trends.<\/li>\n\n\n\n<li>Track your cash flow statement (money in and out).<\/li>\n\n\n\n<li>Identify who owes you money\u2014and who you owe.<\/li>\n\n\n\n<li>Maintain accurate balance sheets.<\/li>\n\n\n\n<li>Apply for financing with confidence.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Include reports like stock overviews, aged payables\/receivables, and tax summaries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-improve-your-receivables\"><strong>6. Improve your receivables<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t let unpaid invoices kill your cash flow.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use professional, easy-to-read invoices.<\/li>\n\n\n\n<li>Accept electronic payments.<\/li>\n\n\n\n<li>Offer early payment discounts.<\/li>\n\n\n\n<li>Check customer credit history.<\/li>\n\n\n\n<li>Charge late payment fees (in line with UK regulations where applicable) .<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-drive-sales-and-adjust-pricing\"><strong>7. Drive sales and adjust pricing<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consider raising prices if the market allows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatively, offer limited-time discounts to boost short-term cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Research your:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Costs and profit margins.<\/li>\n\n\n\n<li>Competitor pricing.<\/li>\n\n\n\n<li>Customer willingness to pay.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-manage-your-payables\"><strong>8. Manage your payables<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Controlling spending is just as important as boosting income.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancel unused subscriptions.<\/li>\n\n\n\n<li>Delay non-essential purchases.<\/li>\n\n\n\n<li>Schedule payments around your cash availability.<\/li>\n\n\n\n<li>Use cloud-based tools to streamline tracking.<\/li>\n\n\n\n<li>Build good relationships with suppliers\u2014negotiation can go a long way.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-review-your-financing-options\"><strong>9. Review your financing options<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes, a little funding can help you bridge a gap or grow faster.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank loans and overdrafts: reliable but slower to process.<\/li>\n\n\n\n<li>Alternative lenders: more flexible, often tech-based lenders.<\/li>\n\n\n\n<li>Invoice financing: borrow against unpaid invoices.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/en-gb\/blog\/invoice-factoring\/\" target=\"_blank\" rel=\"noreferrer noopener\">Invoice factoring<\/a>: sell your invoices to get most of the money upfront.<\/li>\n\n\n\n<li>Revolving credit facilities or business credit lines: access flexible funds as needed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Make sure you understand the terms and borrow responsibly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-10-manage-your-inventory-effectively\"><strong>10. Manage your inventory effectively<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Stock ties up cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Too much, and you&#8217;re overpaying for storage. Too little, and you miss out on sales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider the following tips:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use real-time, cloud-based inventory tools.<\/li>\n\n\n\n<li>Track trends, customer needs, and market changes.<\/li>\n\n\n\n<li>Implement a &#8220;first in, first out&#8221; system.<\/li>\n\n\n\n<li>Focus on high-value items.<\/li>\n\n\n\n<li>Monitor reordering cycles.<\/li>\n\n\n\n<li>Streamline receiving and dispatch processes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The more accurate your inventory data, the better your cash flow decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-cash-flow-management-software-optimises-your-process\"><strong>How cash flow management software optimises your process<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wondering how you&#8217;re supposed to manage all of this manually?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s where a cash flow management system comes in\u2014it simplifies the entire process and saves you valuable time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how it can help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated bank reconciliation to reduce errors and speed up month-end tasks.<\/li>\n\n\n\n<li>Real-time cash flow control so you can spot issues and make decisions quickly.<\/li>\n\n\n\n<li>Multi-entity and multi-currency support for businesses operating across regions or expanding into new markets.<\/li>\n\n\n\n<li>Robust reporting tools to give you complete visibility into your financial health.<\/li>\n\n\n\n<li>Easy integration with other platforms so you can scale your operations smoothly.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\"><strong>Final thoughts<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash flow management is an essential finance task\u2014as well as a business survival strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you stay on top of your cash, you\u2019re ready to weather any storm and make the most of opportunities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s why it\u2019s worth investing weekly time into forecasting, reviewing reports, and streamlining your finances.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use the techniques and tools we\u2019ve shared here, and don\u2019t hesitate to get expert advice when you need it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the right strategy, you\u2019ll be in a strong position to grow, thrive, and reach your long-term goals.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to streamline your cash flow operations?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Explore Sage <a href=\"https:\/\/www.sage.com\/en-gb\/accounting-software\/cash-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash flow management software<\/a> and take control of your finances with confidence.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-1-cash-flow-forecasting\"><br><\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Small business toolkit<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get your free guide, business plan template and cash flow forecast template to help you manage your business and achieve your goals.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-adbf67e7-f26f-4f58-a954-9e67147b2f85\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download your free toolkit<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"single-cta__downloads\">\n\t\t\t\t\t\n\t\t\t\t\t4,088 readers have downloaded this guide\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1282134863-1440x810.jpg\" class=\"single-cta__image\" alt=\"Man working on laptop at desk and looking at business priorities\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1282134863-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Join more than 500,000 UK readers and get the best business admin strategies and tactics, as well as actionable advice to help your company thrive, in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-b1a63862-3fa0-4a5e-bb67-c76b88bbc6b8\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1073797282-1-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1073797282-1-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/business-continuity\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness continuity\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/business-finances\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness finances\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/cash-flow\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tCash flow\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-30564 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations tag-business-costs tag-business-finances tag-business-performance tag-making-tax-digital-for-income-tax business_type-small-business business_type-accountants industry-construction card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/06\/landlord-1440x810.jpg\" class=\"card-post__image\" alt=\"A landlord outside some properties he owns\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/06\/landlord-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/06\/landlord-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/06\/landlord-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-25T11:09:14+01:00\">25 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/private-landlords-2026-need-to-know-changes\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tNew legal requirements for private landlords in 2026 and beyond\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tIf you let property as a private individual then there&#8217;s been a handful of key changes in 2026\u2014plus more on the horizon. Here&#8217;s what you need to know.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-1043 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-alternative-finance tag-cash-flow tag-crowdfunding business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/a-business-guide-to-borrowing-money\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2017\/08\/0J9A9593-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2017\/08\/0J9A9593-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2017\/08\/0J9A9593-768x512.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2017\/08\/0J9A9593.jpg 999w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-05T13:25:08+01:00\">5 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tA business owner&#8217;s guide to borrowing money\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-free-guides-templates category-strategy-legal-operations tag-business-continuity tag-create-business-plan tag-grow-business tag-start-business business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/how-to-write-a-business-plan\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-740534235-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-740534235-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-740534235-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-740534235-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-05T11:19:49+01:00\">5 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">8 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tFree template: How to write a business plan\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-15795 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-accountant-accounting tag-accountant-automation tag-brexit-business tag-business-finances business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/what-is-account-reconciliation\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/08\/GettyImages-1325244864-1-684x384.jpg\" class=\"card-post__image\" alt=\"man in office\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/08\/GettyImages-1325244864-1-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/08\/GettyImages-1325244864-1-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/08\/GettyImages-1325244864-1-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-02T15:28:18+01:00\">2 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tAccount reconciliation: What it is and best practices\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-30283 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations tag-business-finances tag-financial-education business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/strategic-budgeting\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944060494-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944060494-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944060494-768x478.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2023\/09\/GettyImages-944060494-1300x810.jpg 1300w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-27T15:12:53+01:00\">27 May, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tStrategic budgeting explained: the finance team&#8217;s role in long-term planning\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Optimising working capital is essential for any business. Discover how Sage cash flow management software delivers real-time data, accurate forecasts, and flexible scenario planning\u2014so you can stay prepared, build reserves, and make the most of your excess cash.<\/p>\n","protected":false},"author":356,"featured_media":2946,"menu_order":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[6],"tags":[191,135,24],"business_type":[4],"lilypad":[],"context":[],"industry":[],"persona":[71,73,74],"imagine_tag":[98,87,269,109],"coauthors":[351],"class_list":["post-7417","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-business-continuity","tag-business-finances","tag-cash-flow","business_type-small-business"],"sage_meta":{"region":"en-gb","author_name":"Asavin Wattanajantra","featured_image":"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2017\/02\/GettyImages-675926198_super.jpg","imagine_tags":{"98":"Business continuity","87":"Enterprise management","269":"Purchase automation","109":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice UK","distributor_original_site_url":"https:\/\/www.sage.com\/en-gb\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/7417","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/users\/356"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/comments?post=7417"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/7417\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media\/2946"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media?parent=7417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/categories?post=7417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/tags?post=7417"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/business_type?post=7417"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/lilypad?post=7417"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/context?post=7417"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/industry?post=7417"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/persona?post=7417"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/imagine_tag?post=7417"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/coauthors?post=7417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}