Audit Your Growth for Cash Stress Points

Trace the flow of cash, not just profit. Review your business, team, or household finances. Mark where incoming payments are delayed but outgoing bills happen quickly.

Calculate your 'working capital gap.' Add up what you’re waiting to receive (accounts receivable) and subtract what you owe soon (accounts payable and necessary inventory spending).

Make a growth plan that includes timing, not just totals. For any growth strategy, estimate when cash will come in versus when bills must be paid. Adjust assumptions about how much capital is truly needed.

Negotiate or rebalance payment terms. Try to align customer payments closer to delivery and negotiate longer supplier terms when possible. Consider incentives for early payments or smaller, faster projects.