cash flow
4 min read
How to Build a 13-Week Cash Flow Forecast Without a Finance Team
A 13-week cash flow forecast is the most useful spreadsheet a small business can keep. Here is how to build one in an afternoon and use it to spot trouble early.
The Arvalox Blog
Practical guides on getting paid faster: accounts receivable, invoicing, aging, and cash flow.
reminders
4 min read
The Follow-Up Sequence: When to Chase an Invoice, Day 1 to Day 90
A day-by-day schedule for chasing an unpaid invoice, from the day you send it through to day 90: what goes out, on which channel, who sends it, and when the tone hardens.
credit control
4 min read
How to Vet a Customer Before You Extend Credit
Selling on terms is lending. How to vet a new customer quickly: registration checks, trade references, a small starting limit, a deposit, and the first two invoices.
deposits
4 min read
Should You Ask for a Deposit? Upfront Payments for Small Businesses
A deposit funds the work and filters out customers who were never going to pay. How much to ask for, how to ask without sounding desperate, and when to waive it.
metrics
4 min read
Days Sales Outstanding: The One Number That Tells You If You Are Getting Paid
Days Sales Outstanding tells you how long your customers really take to pay. Here is the formula worked through, what a good DSO looks like, and how to bring it down.
collections
4 min read
How to Chase an Overdue Invoice Without Losing the Customer
Overdue invoices are usually an admin failure, not a refusal to pay. How to chase early, escalate in tone instead of volume, and still keep the customer.
invoicing
4 min read
What to Put on an Invoice So It Actually Gets Paid
The fields that leave a customer no excuse to delay paying: clear line items, an explicit due date, a PO reference, and bank details they can act on today.
cash flow
2 min read
Cash Flow vs Profit: Why Profitable Businesses Still Go Broke
Profit is an opinion; cash is a fact. Why a profitable business can still run out of money, and how to protect the cash that keeps the lights on.