Bookkeeping
Foreman and QuickBooks: From Job Costs to Clear Books
Use Foreman and QuickBooks Online to track job costs, check labor, plan cash and keep clear books. A practical guide for remodelers and home builders.
The Today CFO journal
Cash Flow
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Cash Flow
19 articles
Cash Flow
Building a Summer Cash Buffer: Why May Is the Best Month to Stress-Test Your Working Capital
Many small businesses bleed cash from June through August. Rates are still high. Customers are paying slower. Here's how to model the summer dip in May, before it shows up in your bank account.
Cash Flow
How to Budget During Financial Uncertainty: A Business Owner's Guide
When the economy shifts and revenue becomes unpredictable, most business budgets fall apart. Learn how to build a flexible, scenario-based budget that protects your cash flow, preserves your team, and keeps you positioned to grow when conditions stabilize.
CFO Advisory
Why Construction Companies Need a CFO: Job Costing, Cash Flow, and Growth
Construction companies face unique financial risks. Learn how a CFO addresses job costing accuracy, WIP reporting, subcontractor management, and cash flow gaps.
Cash Flow
How to Cut Business Costs Without Cutting Corners: 6 Smart Strategies
Strategic cost reduction is not about slashing everything in sight, it is about finding waste, renegotiating what you can, and making smarter decisions about where you invest. Here are 6 proven strategies to reduce costs without compromising your business's ability to grow.
Cash Flow
How Outsourcing Accounting Improves Your Business Cash Flow
Outsourcing your accounting and bookkeeping functions can dramatically improve cash flow by reducing overhead costs, eliminating billing errors, and accelerating accounts receivable. Discover how small businesses are using outsourced accounting to free up working capital and grow.
CFO Advisory
4 Business Financial Goals for 2026
Set your business up for long-term financial success with these four key financial management goals for 2026. Learn how to budget smarter, reduce high-interest debt, manage cash flow, and invest in growth.
CFO Advisory
8 Biggest Financial Mistakes Businesses Make (and How to Avoid Them)
From ignoring cash flow to mixing personal and business finances, these 8 financial mistakes destroy profitable businesses. Learn what they are and how to stop making them.
CFO Advisory
6 Expert Tips for Managing Small Business Finances
Managing small business finances well requires more than tracking expenses. These 6 expert tips cover the habits, systems, and strategies that keep small businesses financially healthy and positioned for growth.
CFO Advisory
How to Build a 13-Week Cash Flow Forecast (With Template)
Learn how to build a 13-week cash flow forecast that shows you exactly when cash gaps are coming, so you can fix them before they become emergencies. Step-by-step guide with template.
Cash Flow
The 3-6-12 Rule: How Much Cash Reserve Does Your Business Really Need?
Stop guessing about your business cash reserves. The 3-6-12 Rule offers a simple, clear framework based on your industry and risk profile to help you stop worrying and start planning confidently.
Cash Flow
Why Profitable Contractors Run Out of Cash: Retainage, Growth, and the Gap Nobody Adds Up
Your WIP says the jobs are profitable. Your bank account disagrees. For a commercial contractor the gap between the two is usually retainage, underbillings, and the working capital that growth quietly consumes.
CFO Advisory
The Contractor Who Lost $200K Because Nobody Tracked Job Costs
A $2M construction company was bleeding cash despite full project schedules. The problem wasn't sales. It was job costing. Here's what we found and how we fixed it.
Cash Flow
Line of Credit vs. Equity vs. Revenue-Based Financing: Choosing the Right Cash Flow Solution
You need capital to cover a cash gap, but should you get a line of credit, term loan, equity investment, or revenue-based financing? The wrong choice can cost you 10x what you borrowed. Here's how to decide.
Cash Flow
How Contractors Get Paid Faster: Pay Applications, Retainage, and Who Makes the Call
For a sub working under a GC, slow payment is not a collections problem. It is a pay application that does not tie to the schedule of values, retainage nobody added up, and a phone call you do not want to make.
Cash Flow
Managing Seasonal Cash Flow in Construction: The Contractor's Guide to Surviving Winter
Learn how to manage seasonal cash flow in construction. Build a 6-month cash reserve, smooth revenue through winter, and stop the feast-or-famine cycle that kills profitable contractors.
CFO Advisory
When to Hire a Part-Time CFO: The Decision Framework for $1M-$5M Businesses
Not sure when to hire a fractional CFO? Use this decision framework to know if your business is ready, before costly mistakes make the choice for you.
CFO Advisory
Why Profitable Businesses Run Out of Cash: The Working Capital Gap Explained
Your P&L shows profit, but your bank account is empty. Here's why profitable businesses run out of cash, and what to do about the working capital gap.
Cash Flow
The Complete Guide to Cash Flow Planning: From Firefighting to Forecasting
Master business cash flow management with this comprehensive guide. Learn the 13-week cash flow forecast, improve receivables, survive cash crunches, and transform from reactive firefighting to proactive forecasting.
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