12-Month Cash Flow Forecasting for Non-Finance Small Business Owners: See Shortfalls Before They Happen and Take Control of Your Finances

PROFITABLE ON PAPER. BROKE IN THE BANK. SOUND FAMILIAR? You're busier than ever. Sales look healthy. And yet some months the money simply isn't there when the bills are due. That gap - between being profitable and actually having cash - is where good businesses quietly get into trouble. Most owners never see it coming until it's a crisis. This book hands you one simple system to see it coming - months in advance, while you still have options. Written for owners who never trained in finance, it teaches you to build a rolling 12-month cash flow forecast for your own business in plain English, with no accounting background required. You'll follow one real business - Harbor & Vine - from a blank page to a complete, reconciling annual forecast, then put the same tools to work on your own numbers. INSIDE, YOU'LL LEARN HOW TO: ► Build a 12-month cash forecast from just four simple numbers ► Spot your "danger months" long before they arrive ► Set a Cash Safety Floor so you always know your true minimum ► Stress-test your business against slow sales, late payers, and rising costs ► Decide, with real numbers, whether you can afford to hire, buy equipment, or take a bigger draw >BUILT TO BE USED, NOT JUST READ. This isn't theory. It includes 27 fill-in worksheets, worked examples you can copy, and a 30-day plan to put the whole system in place. Every calculation is checked and reconciles - so you can trust the method and your own numbers. Whether you run a shop, a café, a trades business, a studio, an agency, a freelance practice, or an online store, if you've ever looked at your bank balance and felt a flicker of uncertainty about the months ahead - this book is for you. Stop being surprised by your own cash. Start seeing it coming. Book Two of the Small Business Survival Guide - practical systems for the problems that actually threaten small businesses.