Cash Flow, Not Profit, Runs Your SME

We see it every quarter: a profitable SME running out of cash. Profit is an opinion. Cash is a fact.

A 13-week rolling cash flow forecast is the single most useful tool an SME owner can build. It maps expected inflows (debtor receipts, deposits) against outflows (payroll, suppliers, SARS, rent) over the next quarter.

Update it weekly. The discipline forces you to chase debtors earlier, negotiate supplier terms, and time large purchases around payroll and tax dates.

The result: fewer surprises, better banking conversations, and the confidence to invest when an opportunity appears — instead of declining it because cash is tight.