Author: Gilbert Olivarez
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Using Invoice Factoring to Boost Cash Flow
Every business owner eventually faces the same frustrating question: How can I keep things running smoothly if clients keep delaying their payments? Whether you’re a startup or an established company, cash flow bottlenecks can choke your growth, stall payroll, or force you to pass up opportunities. That’s where using invoice factoring to boost cash flow…
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How to Manage Cash Flow in a Crisis
When a crisis hits—whether it’s a global economic downturn, a local disaster, or a personal emergency—one of the first things that tightens is your business’s cash flow. It’s like oxygen in your business. When it’s flowing, you may not even think about it. But when it’s constricted, every breath becomes urgent. If you don’t act…
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Creating a 12-Month Cash Flow Projection
Running a business isn’t just about selling your product or service. It’s about making sure you can sustainably grow, pay your team, reinvest in your company, and sleep well at night. The secret? A reliable 12-month cash flow projection. This one tool has helped me plan for growth, avoid financial panic, and confidently say “yes”…
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Top Cash Flow Mistakes and How to Avoid Them
Cash flow problems don’t just happen to failing businesses. In fact, many fast-growing companies collapse—not because they weren’t profitable, but because they didn’t have cash on hand when they needed it most. The truth is, managing cash flow isn’t optional. It’s essential. Let’s unpack the top cash flow mistakes business owners make and, more importantly,…
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How to Improve Your Business Cash Flow
Running a business can feel like you’re always juggling—orders, clients, inventory, payroll—and in the midst of all that, there’s one thread that ties it all together: cash flow. If you’ve ever had a profitable month but couldn’t make payroll, you already know that cash flow isn’t just another financial term—it’s your business’s lifeline. In this…
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How to Improve Your Business Cash Flow
Introduction One of the most common reasons businesses struggle—or even fail—is poor cash flow. Not necessarily poor profits, but poor cash flow. The difference is critical. You could be making great sales on paper, yet still find yourself short on funds to pay your team or invest in growth. I’ve experienced that moment where you’re…
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Cash Flow vs Profit: Understanding the Difference
When it comes to running a business, numbers are everything—but only if you understand what they’re really telling you. Too many entrepreneurs have made the mistake of thinking their business is doing great because it shows a profit, only to discover the hard way that there’s no cash left to cover bills. That’s why cash…
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Equity Financing vs Debt Financing: Which Is Best?
When it comes to building a business that’s built to last, choosing the right financing structure is one of the most important decisions you’ll ever make. Whether you’re launching a startup, expanding operations, or navigating a growth phase, the battle between equity financing vs debt financing is one every founder must face. This choice isn’t…
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How to Use a Business Line of Credit Wisely
A business line of credit isn’t just a financial tool—it’s a lever that, when used responsibly, can help stabilize your operations, bridge temporary gaps, and fuel real business growth. But access to capital is not the same as knowing how to use it strategically. Whether you’re running a seasonal business, expanding your inventory, or managing…
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Crowdfunding Your Business: Pros and Cons
In today’s fast-evolving startup landscape, crowdfunding your business has become more than a trendy fundraising method—it’s now a legitimate launchpad for innovation, community building, and capital generation. Platforms like Kickstarter, Indiegogo, GoFundMe, and StartEngine have reshaped how founders bring products and ideas to life. But as empowering as crowdfunding sounds, it’s not a shortcut to…
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What Investors Look for in Your Financials
When you’re courting investors, your pitch deck might catch their attention, but your financials will either lock in the deal or quietly close the door. Numbers don’t lie—and in the world of investment, they reveal far more than just revenue and profit. They tell a story of discipline, potential, and your command over your business…
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Understanding the SBA Loan Process
Introduction Every small business reaches a moment when growth hinges on capital. Whether you’re launching a new venture, expanding operations, or stabilizing after a tough season, funding can make all the difference. But let’s be honest—bank loans are tough to land, especially for small or newer businesses. That’s where the SBA loan process comes in.…
