6 reasons why you shouldn't use excel to manage finances

6 Reasons Why You Shouldn’t Use Excel to Manage Finances.

  1.  If only Excel was designed to create professional invoices or email them.Create Professional Invoice

  2. If only Excel could analyze your money for youReal Time Tracking Of Your Invoices

  3. If only Excel could talk to your bank.Auto Reconcile your bank account

  4. If only Excel could get you a loan.Wokring Capital Loans For Small Businesses

  5. If only Excel could help you get paid faster.get paid faster

  6. If only Excel could be mobile like you.invoice mobile app

 

Submit your contact details & we will tell you how numberz helps you manage business finances.

 


Everything you’ve ever wanted to know about working capital

When you start your own business, and don’t come from a finance or accounting background, there are certain terms that you must learn and working capital is one of them.

What is it exactly? Let’s take a look…

Working Capital can be understood as the measurement of the operating liquidity of a company.

Why is important?

This is important as it allows startups to:

  • Borrow
  • Increase their share value
  • Meet short-term debts
  • Pay expenses

Working Capital is essential acts as the lifeline of the company when there are limited options for startups to finance themselves and move past their breakeven point. It is a measuring tool that gives insights into a company’s financial structure.

The five sources that startups use to procure working capital are:

1. Utilising venture capital: With Venture Capital funds, you are assured a sizeable investment and the best mentorship in the business. This enable you to plan how you can scale your business. Venture Capital is best suited for small businesses that are looking at expansive growth. Though VCs look to help your company grow, they also look to capitalise on their investments.

2. Raising equity: A good way for your business to become profitable is through issuance of equity and short-term working capital funds. When your personal finances diminish, equity shares will create the required capital necessary to help your business grow. You need to determine the rate of dividend per share based on the profits earned. This allows a business to reduce their financial burden but you will need to give up some company ownership.

3. Discounting Bills of Exchange: When your goods are sold on credit, you can draw a bill of exchange for goods that are sold. These bills of exchange include the acceptance by the buyer to clear the bill on the date of maturity. Your firm can discount these bills of exchange with a commercial bank for a bank discount. This will help you raise finances when payments are due for a cost against the bill of exchange that you make with the bank.

4. Acquiring short-term notes: When you establish a good relationship your bank and they are willing to provide you with a short-term note based on inventory, orders and future receivables. This is undertaken by the bank against a guarantee that is issued by the borrower against a collateral for business needs only.

5. Building a line of credit: Most banks do on not offer a line of credit to new entrants but exceptions are made for businesses with a good equity and sound collaterals. A line of credit provides startups the funds needed for short-term needs. These funds are repaid when the accounts receivables have been collected.

 The benefits of having a sound working capital strategy is that banks provide funding based on assets that will be purchased and expenses that would be covered. Letters of credit are given as a guarantee for non-funded facilities that are made on credit and available in the local and foreign currencies. By having a sound command over your working capital, you can control your operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit and other similar instruments.

Start-up Costs your Business needs to take into Account

It’s great starting up on your own and finally getting your business plan off the ground! But before you know it, you could run out of steam. Your budget and financing will decide the course of your business so it important to analyse you initial expenses and avoid stumbling on the way.

Gauge Your Start-up Expense:

Before you draw a budget for your start-up costs, evaluate your business requirements. Once you know how your business needs to be set up and run, you can chalk out the two types of expenses – one-time and periodic. Base your expenses on a yearlong plan that takes into account changes that may occur in the market. Avoid optional expenses and concentrate on absolutely essential resources – employees, office space, and equipment – with quality output. This will help you also cover expenses quickly with a profit margin. Your start-up costs will help you get a clearer sense of your cash flows and you can adjust your payment cycles accordingly.

Now, let us take a look at four costs you need to be aware of as you set out to be the boss of your own business:

1. Setting Up:

Setting up your office is the next step in getting your start-up going. You will need to consider the following expenses while setting up your business physically:

  • Purchasing/renting/leasing an office space along with basic furnishing
  • Purchasing one-time office equipment
  • Buying softwares and digital tools for all your business works
  • Setting up communication needs like internet and phone lines

These are one-time costs that you will incur in the first year of your business, after which maintenance costs for communication, softwares and office space may arise. These are essential expenses that you cannot ignore so make sure that you are backed up well by your finances.

2. Resources and Vendors for your Business:

To get your business working, you will need resources – a team that will see you through in delivering every little aspect of your business. Always review who you hire and don’t make the mistake of expanding your team too quickly in the initial phases. A small team with good deliveries is more impactful than a larger workforce with average returns. Hire the essential ones but make sure you pick the best ones. For periodic business operations, you can even outsource your work or hire freelancers to do the job. Do not compromise on paying extra for quality staff as they hold the potential to give your business huge turnovers.

3. Estimated Cash flow and Recurring Expenses:

While starting a business, it is often hard to recognize how your business will progress. Operational costs, however, will keep running and you will need to take these into account as part of your initial costs. These will include utility bills, employee salaries, software registrations, and employee benefits. Besides, you will also need to consider a range of miscellaneous expenses that may arise, such as – travel costs, communication reimbursements, insurances, etc. While assessing your recurring expenses, estimate your cash flow and possible turnovers every month. This will help you determine how much amount to set aside from your start-up capital.

4. Promoting Your Business:

Once your business is set and existing, your consumers and clients will have to be made aware of your presence in the industry. Initial marketing costs will include:

  • Name and branding
  • Outdoor promotions like posters or hoardings
  • Digital promotions like social media ads, SEO, and sales campaigns

Your promotional content should include what makes your business different and what your prospective customers should take notice off. If you choose to outsource your advertisements, ensure that you message is clear and your product gains the right amount of visibility to leverage paying customers.

By determining these costs, you will be at a better position to review payments that should be made and spend on those that provide a significant change to the business. With these guidelines in place you will be in the best possible position to have a check on payments and smoothly get your business off the ground and running.

Getting a Bank Loan: It’s easier than you think!

We’ve all heard that it takes money to make money and when it comes to growing your business, this is true. When looking to grow your business, you could use your own savings, borrow from family or friends, run a crowd sourcing campaign, or take a bank loan.

Bank loans are one of the most traditional ways of getting funding for your business and in this post we will take a look at what you need to know if you are considering taking a loan. It’s all about thinking smart and finding the best one that works for you.

Step 1: What is the amount?

When you’re building your dream, it is easy to sometimes get lost in the clouds. So in step one, you need to have your feet firmly on the ground as you decide how much you actually need. A great way to start is by making a list of the expenses you might have. Talk to a friend or family member that owns a business- ask them about the costs they expected and the ones that threw them for a loop. When you know how much you will need to spend, you will have an idea of how much to ask for from a bank loan.

Step 2: Think like a banker

As an entrepreneur, it is important that you are able to see all aspects of your business from various angles. You will need to play the role of planner, innovator and finance head. While there are different technologies such as invoicing apps or banking apps that can make your life easier, when it comes to a loan, you need to start thinking like a banker. Have a preliminary meeting with your personal banker and get an understanding of what is required from you and the questions you will need to answer when applying for a business loan.

Step 3: Find Your Credit Score

If you check the website of any major bank or lending organisation, you will notice that they have eligibility calculators. These calculators allow you to check your credit worthiness or how much a bank would theoretically be willing to lend you. Before you apply for a loan, you will also need to check your credit score. You can check this with the Credit Information Bureau India Limited (CIBIL) and then share it with your lender to prove your credit worthiness.

Step 4: Get Your Documents

In the old days, getting a bank loan used to be a long drawn out process of filling out forms and building mountains of paperwork but now the system is better streamlined. While different banks might have different requirements, here are the basic documents you will need to collect:

  1. ID Proof (Passport Copy/ Voter ID card/ Driving License/ PAN Card)
  2. Address Proof (Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License)
  3. Bank Statements (Both personal and for your business)
  4. Income Tax Receipts
  5. Your business’s documents such as registration, VAT, TIN certificate etc.
  6. Profit and loss statements

Some of these documents will need to be self-attested or attested by a notary. With the right finance processing and accounting software, you will have visibility on how your business is functioning and where you need to inject funds. Banks looking to give you a loan will also have transparency on how your business functions, making you a better candidate to receive a loan.

 Step 5: Know the terms

As with any business contract, you need to know the terms of the loan before you sign on for anything. In today’s world there are various loan formats that offer different terms. Some don’t require collateral or much paperwork and others have the options to submit documents digitally. It is important that you don’t just opt for the first loan offered to you or the one from your personal bank.

Follow these simple steps and you will make inroads into getting the funding your business requires.

Have you considered a line of credit?

Before deciding on borrowing money, however, consider two major factors:

  • How big is your loan amount?
  • How often do you need to make purchases (with the loaned amount)?

If you want to loan a reasonably medium or small amount and if you recognize the need to make multiple purchases along the venture instead of one bulk payment, a credit line will be a better option for you than a bank loan. A Line of Credit or Credit Line is an overdraft account without the hassle of collateral. It is a great choice for filling in financial gaps in your expenses, with more convenience than loans.

A credit line works very similar to a credit card:

  • A credit limit is set for you, which you can borrow entirely or in parts according to your needs.
  • The interest rates are variable and applicable only on the amount borrowed.
  • You can secure a higher credit limit by submitting collaterals.

So, if your venture is about small transactions in steps rather than one bulk investment, choose a credit line which will help you:

  • Avoid paying extra interest for unused money.
  • Use amounts as per convenience.

 Want to apply for a line of credit? Click here to learn how through Numberz.

Who Are You Banking With? Choose the Right Bank for your Business

Managing your finances in the first year of your business can be tough but the right bank can make all the difference.  With many banks who have the services you need, the two questions you have to answer are:

– How do I pick the right one?

– Who is giving me the best of services?

Gone are the days of mountains of paperwork, banking has also become a seamless aspect of our life thanks to digital services.

Here are five things to keep in mind while selecting the right bank for your start-up:

1. Business Costs and Cash Flow:

The first thing that you need to do while setting up a business is assessing your costs. Analyse your financial needs and choose a bank that provides services that will benefit you the most. Oh, what a headache, right? Let’s make it simpler – as a small business, you need to consider three aspects – start-up capital, growth capital and cash flows.

So, remember these factors and choose a bank that will offer you these services:

  • Range of business loans such as starting capital, equipment loans, expansion loans, etc. with:
    • Shortest application and approval times with easy online applications and verifications
    • Attractive rates of interest
    • Automated EMI payments and reminders
  • Suitable account-based services, such as:
    • Digitised account management, creation, and deactivations
    • Stock market and investment insights as well as advice
    • Liquid accounts with minimal costs
    • Easy, online fund transfers and payments
    • Automated online transactions

2. Banking Services:

Banks have become more customer-friendly and I’m sure they have made your lives easier too. But, we all know how banking works now – there are innumerable services offered by each bank! So how do you find the right one? The first step is to look for a bank which will allow you to digitally conduct most of your banking and financial needs.  

Internet banking has made our lives so much easier – fast-paced transactions, online applications and verifications, automated payments, account management, rapid assistance, and much more! For example, certain banks allow you to add a payee in 30 minutes with almost immediate fund transfer – a great way to save time and keep suppliers or vendors happy. Some other banks have rapid loans and payment approval timelines which reduces the time spent on banking and also, makes it convenient.

3. Banking Expenses:

We all know how banks charge for transactions and accounts. But, if you don’t keep a check, you can end up losing a chunk of your revenue in banking expenses! To avoid that, identify a bank that can offer you services at nominal costs, which include:

  • Transactions, payment getaway and bill payment charges
  • Account maintenance and creation – minimum deposit ledgers, deposit and withdrawal charges
  • Loans, mutual funds and investments – application charges, interest rate, premature and late payment charges
  • Credit/debit cards – application charges, interest rates, late payment charges

4. Terms of Usage:

Based on the services that you essentially require, choose a bank with operations and regulations that best suit your needs. Carefully review all terms of usage before choosing a bank to keep a check on, such as:

  • Unnecessary charges and procedures
  • Risk factor
  • Account liquidity criteria
  • Availability of services

Opt for a bank who will keep digitally updating you with changes in policies and regulations – through emails, SMS or push notifications on apps.

5. Size Matters:

Make sure you plan for the success of your business and choose a bank that can fulfil your future needs too. For example, you will not have to pay extra for ATM usage or foreign transactions when opt for an international bank. Alternatively, large-scale banks, whether national or international, will be able to assist you better with business growth and expansion scenarios.

When you are looking out for the right bank, don’t simply select the first one that approaches you. Go out there and find the one that fits your needs and understands you in a manner that helps shape your financial journey. After all, your business is your castle of dreams!

Think Registering Your Business will be Tough? Think Again!

When most entrepreneurs remember starting up- they think of the running around, the stamp paper and waiting at government organisations.  But now with the Digital India initiative, you can now register online from the comfort of your home. The process has been massively streamlined and the main registrations include Digital Signature Certificate(DSC), Director Identity Number(DIN) and filing for the final eForm.

Are you looking to register your business? Park your attention here as we take you through the four registration steps:

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Step 1: Get your Director Identification Number (DIN): When registering each director of the company, you need to get identification numbers created. This can be done by filing and submitting the DIN-1 form that is available on the Ministry of Corporate Affairs website.

Step 2: Sign up for your Digital Signature Certificate (DSC): Your documents will only be received when you authenticate your documents with digital signatures. These Digital Signature Certificates must only be acquired by agencies appointed by the Controller of Certification Agencies (CCA). The DSC is only valid for two years and on expiry, you will need to renew it.

Step 3: Register an account on MCA Portal: Online fee payments can be made available and you can register when filing the eForm on the MCA Portal. All you’ve got to do is create a registered new user account, and good news, the creation of the account has no charge!

And Finally, Step 4: Apply for company registration: The final step to register your company is when you incorporate your company name, address, appointment of directors and staff and the qualification of shares. To get the final approval from the Registrar of Companies, you have to obtain the certification of incorporation with Form-1, Form-18 and Form-32.

What do you have to do to incorporate your company? Follow these steps:

  1. Filing of Form 1 for reservation of name
  2. Filing main Papers I.e. Form 7, DIR-12, INC-22

All steps require a set of formalities and procedures you will have to compile and submit as mentioned below:

  1. For DSC, you require 1 photo each, copy of PAN Card, copy of address proof.
  2. For DIN, you require 1 photo each, copy of PAN Card, copy of address proof based on the name and credentials that match with the PAN details. Also, a set of affidavits are required to be prepared and shared with all legal formalities required.
  3. Name approval requires you to confirm 3 names in their respective order of preference. Name allocation is subject to availability.
  4. Main forms and other forms include a well drafted MOA/AOA, and recent affidavits, declarations and all legal formalities. The address proof of the registered company must be submitted.

Ensure that these documents are reviewed before submission:

  1. Director Identification Number
  2. Digital Signature Certificate
  3. Original copy the of formal letter issued by Registrar of Companies on Company name: Form-1 for incorporation of a company, Form-18 for situation or address of the proposed company, Form-32 for particulars of proposed directors, managers and secretary

When the application has been approved by the MCA, you will receive an email confirming the incorporation of the new company and status of the form will change to Approved. Wooohoo! You’re done.

The Ministry of Corporate Affairs has incorporated INC-29 which combines DIN, Name Approval application and Incorporation Application.

Next Steps, your company is formally incorporated when you obtain the TAN Card, PAN Card, STPI registration and valid Digital Signature Certificates. So, what are you waiting for? It’s time to start your dream business!

Also remember to check out what Numberz can do for you once you start up, to smoothen out your accounting and invoicing procedures!

 

8 Tips To Get Paid Faster Instantly

 

Whether you run a product or a services based company, getting paid on time can be a real pain. We all know the challenges – the accounts team may not have sent the invoice on time or customers simply disappear or you need to make multiple follow-ups to even get a response.

But, the faster your payments, the smoother your business runs.  And we know exactly how to make it happen! Read on to know our secrets:

  1. Mark those payment dates:

    Working on a big project for a new client? Don’t wait till the end of the project to get paid, break down the project into different milestones of tasks completed.  Check if this works with the client and bill them accordingly.  Are you shaking your head thinking about the extra work of having to track of all those partial payments every month? With nu,mb,erz invoicing solution, invoices will be sent automatically to your clients every month with the due amount. Now, how easy does that sound?

  2. Set Automatic Reminders:

    Follow-ups can take a lot of time and let’s face it, it can be embarrassing too. Don’t be a pest but develop the skill of asking politely and persistently. Building a good rapport will allow you to expect faster payments.

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    With the automatic reminders from nu,mb,erz invoicing solutions, you can say goodbye to those unwanted follow-ups!

  3. Have a quick payment turnaround:

     

    When the work is complete, send your invoices immediately and don’t let them pile up. Let all your invoices be on top of your to-do list, avoid sending your client a huge total to pay. When your business is paid in small amounts, you can steadily build your payments and in turn pay the invoices that are due to other businesses- so everyone wins!

  4. Be Thorough:

    When your invoices are sent, do you find that you have to explain a lot of the charges? You can say goodbye to all the back and forth by being extremely clear on your first invoice. Adding to that, nu,mb,erz invoicing solutions will help you create just the invoices you are looking for –  professional and detailed – so your client won’t be confused by the charges and you won’t have to worry about either an overdone or ill-designed invoice.

  5. Consider charging Interest:

     

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    Think your client needs a little push to start paying on time? You could explore the option of charging interest on late payments. While some might think this is an extreme step, you can implement this policy on those serial defaulters that seem to never learn.

  6. But Think of Discounts, too!

    Okay, we know how some clients love discounts, who doesn’t? So, offer them some. Set up a dynamic discounting system with nu,mb,erz with which you can  offer your clients a 2% discount when they complete the payment by Due Date and a 5% discount if they do so before the Due Date. Oh, did we tell you, you don’t have to worry about crunching a single number for all those dynamic payments? Yep, staring at your accounting books is a thing of the past.

  7. Make Deadlines Matter:

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    By letting your clients know in advance about the payment deadline, you can reduce confusion and miscommunication. When they sign the work contract, make sure you are both on the same page when it comes to payments. Restate them by printing these deadlines on the invoices and other transport documents.

  8. Let them Consider Instant Payments:

    Sounds impossible? Nope, because you can add an option for the client to pay online directly on the invoice itself!

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    Use nu,mb,erz for this cool option so that your clients are also reminded of their payments every time they see your invoice. Plus, online payments are convenient for many people which help you control your payments even better!

Like all spheres of your business, relationships make a real difference! Building a good rapport with your clients is a great idea but to personally know who is making payments from the client side can be an added advantage too. This can be done by simply sending a handwritten thank-you note regularly or calling every so often for a quick chat.

With value-based pricing, you can get paid faster and work towards getting more business instead of running after payments. Online Invoicing apps and online products enable you to detect payments and share invoices instantly. Tracking, analytics, and reminders can be automated making your life even simpler.  Also, have you checked out the “Pay Now” button on nu,mb,erz? It can give your client that extra push to pay to real quick!

Invoice Basics: Don’t Miss These 10 Details

You’ve made the sale, delivered the product or service and now it’s time to get paid. While issuing your first invoice can be a real high, it is important that it has the relevant information that makes it easy to understand, has the right details for tax purposes and leaves no doubt in the mind of your customer on how to pay you.

Here are 10 quick checks that you must follow to cover all the details required for the preparation of an invoice:

1. Details of your business: You need to create invoices that include all the details of your business such as name, phone number and email address. This will make it much easier for your customers to raise questions and contact you when in doubt. It will also give the customer’s accounts team a clear way to process and file your payments.

2. Details of the Company being sent the invoice: To ensure that your customer’s company receives your invoice, you should include a contact name and the other details of the firm. This will help reduce any confusion when you are sending multiple invoices to different customers and call out your customer who will acknowledge payment. It will also simplify the process and let you know who to follow up with in case payments are delayed.Blog-Creative-2

3. An invoice reference / invoice number: Your business must create a unique reference number for every invoice. You will now be able to account for invoices that are created and dispatched. This will help you in reducing the error of duplication. Add a letter before the number invoice to distinguish your clients.

4. Date of transaction of the goods and services: The date of the transaction is essential for your business to know when you sold goods and services to your customers. This is most essential for VAT invoices and are known as Supply dates.For VAT invoices, ensure that include the VAT Registration Number; and either:

  • The VAT rate and final amount of VAT charged or
  • The VAT amount and VAT rate charged per product

5. Invoice date: This is the date that you enter when you create your invoice for the customer. The invoice date may not be the same date on which the transaction of the goods and services occurred. This is because this is the date on which the invoice is written and credited for goods and services.

6. Details of the products or services provided and their costs: You must add all the details in the description that you are invoicing. This can be done by listing each product and service, its break up and the final cost.You need to provide a clear description of what you’re invoicing for. This will be a line by line list of each product or services you’ve provided the customer, together with the cost of each. Your description is the heart of the invoice and it should be clear to allow your customer to make prompt payment.

7. Total amount of the invoice: You should ensure that the total cost of all products are products and services are covered and all discounts are mentioned as per the agreement. This is final amount that you enter and is payable by the customer.

8. Invoice Payment Terms: These are all terms and conditions that you consider when creating an invoice. These are the terms that are mutually agreed upon by your customer and your business.

9. Details of invoice payment details: You can make it easier for your customer to understand and make their payments by furnishing all the payment details. This should include account details that include bank name, account name, account number and sort code. For cheque payments, you only need to provide a payee name and address to which the cheque needs to be sent.

10. Customer’s purchase order number: Add this number to your invoice to easily identify your purchase order. This will help you track all purchases for future records and help you identify the particulars of the purchase with this number on the invoice.

These ten steps will ensure that you cover all the details that are required to be included in an invoice. By creating an invoice that is easy for a customer to understand and enquire, you will be able to process and receive payments quickly. Put these in place and then, when it comes to payments, you’ll be on the right track to have smooth regular payments from your clients and customers.

 

5 Things Business Owners Must Know About Cash Flows

At the helm of your business, there is no job that’s not your job. While your employed peers might enjoy more specialised roles, as the boss of your own business, you need to have an understanding of the basics that drive your business. You might have your own numbers guy or gal but to make money, you need to understand your finances and cash flows. “Why?” you ask, secretly hoping that you left the world of mind-boggling mathematics after your 10th grade Maths paper. Fear not! We’re here to tell you exactly that:   

1. It’s a good weather forecast: Your smartphone gives you all the information you need for the present and the future. From the weather to the traffic forecast, it gets you ready to face anything and also tide over any storm. Cash flow collects information from your sales people, credit workers, collections, service representatives and your finance department. By collecting this information you will know how much cash you can accumulate from payments, interest earnings, service fees and collection from bad debts and therefore know if tomorrow is going to be sunny or if you need to plan for a rainy day.

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2. Know Thy Expenses: More than knowing how much is in the bank, you as a business owner need to have a fairly accurate idea of how your business runs on a day to day basis. Your business should know what you spent on instead of only how much you spent. This can be done by simply creating a line projection of outlays. Here’s an example: Let’s say you collate all of the rent, inventory and office expenses in your cash flow tool or a spreadsheet and by doing so you can pinpoint what your projection of outlays would be for the following months.

3. What’s a Receivable?: There’s a lot of jargon when dealing with finances and receivables is a fairly simple one to decode. It’s the amount that your business will receive a.k.a what it is owed – remember all the invoicing you did?   Better receivables translate into better cash flows. Your business can do better if you improve the speed at which you turn your services and/or products into receivables. This way you can develop a good yield of cash for the company.

How can you do this? 

  • Offer discounts
  • Request customer deposits at the time of delivery
  • Provide ways in which quick payments can be made by the client – payment gateways
  • Insist on credit checks
  • Make credit available to the clients – if possible.
  • Sell old inventory and issue invoice promptly

4. Play Those Payables: As your business grows, so too must your sales. How do you do it? You must check daily expenses and the extent of how you can expand sales. Always inspect and examine ways in which you could be spending on the sales that you make and control them. In this case, your suppliers are your friends. So you should let them know your financial status and develop a trust and understanding with them. Analyse vendor costs for early payments based on change in the overall costs. Look for more flexible modes of payment to improve your cash flow.

5. Happy Investors Love Good Cash Flow: As a startup, keeping your investors happy is simple – have great financial prospects. If you have a favourable cash flow ratio then half your job is done. The better your cash flow, the happier the investor and the better your relationship.   A good cash flow tells your investor that your business and his money is set to grow.

The best way to understand your cash flow is by ensuring that your costs don’t keep creeping up over your cash in hand. Your operating costs is the amount you are willing to spend on your business on a daily basis. Don’t worry about having enough cash – a good cash flow ratio allows you to have the necessary funds to keep your investors happy and wanting for more!

What’s critical is to have the pulse of your business cash flows. Yes the balance sheets are important and critical. But cash flows are the daily lifeblood – that will ensure healthy business, happy employees and a happier you!