Quels sont les problèmes de trésorerie courants et comment pouvez-vous les éviter?

Can't fix your situation if you don't know what you're working with. Know your numbers Use excel or monarch money to see your income, expenses and net. Then from there decide how to save and invest.

To avoid cash flow problems, I consistently track my income and expenses. By using a spreadsheet or specialized apps, I get a snapshot of my financial situation. This not only helps me identify discrepancies but also predicts future financial needs. Monitoring regularly, either weekly or monthly, allows me to understand my financial trends, ensuring I'm never caught off-guard. This proactive approach has proven invaluable in maintaining financial stability.

Cash flow problems include late customer payments, excessive expenses, and seasonal fluctuations. To avoid these, establish a clear credit policy, invoice promptly, and offer early payment discounts. Review and trim unnecessary expenses regularly, negotiate with suppliers, and diversify products to mitigate seasonality. Optimize inventory management to prevent overstocking, and maintain realistic budgets. Plan for capital expenditures, manage credit terms, and explore various financing options. Efficient invoicing and maintaining cash reserves are crucial. Stay informed about market changes, diversify your customer base, and adapt quickly. Regular financial monitoring and proactive management are key to avoiding cash flow issues.

Maybe you should look at it this was……..I am married, but “semi” retired right now but my wife makes a pretty decent chunk of change on a yearly basis. I am collecting unemployment benefits(who knows if we will ever see them; thanks TWC) but since we have multiple financial planners and brokers; you can always move money in between accounts and also use stocks and bonds for the short term or long term borrowing. Happy Father’s Day weekend everyone. 🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸

Cash flow management is not just about tracking money in and out; it’s about making strategic decisions that will stabilize and grow your business financially. Some of the issues are: 1. Late or partial payments: one should manage Receivables well. 2. Inaccurate Forecasting or Bookkeeping Practices: proper analysis of accounts and forecasting is essential. 3. Decreasing Sales or Profit Margins: Keep a constant check on it. 4. Lack of cash reserves: determine how much reserve is needed. By proactively managing these aspects of business, one can maintain a healthier cash flow and ensure the longevity and success of the enterprise.

Forecasting cashflow is one of the major aspects of cashflow management. One needs to have a clear idea of the business - factor in the seasonality and arrive at cashflow forecast. It will give a headsup on how the organisation is heading with respect to cash and plan collections / payment accordingly. This is a MUST DO for every founder / CFO.

Most important and challenging aspect in cash flow forecast is collection of inputs. It has to be the combination of historical trend, current outstanding balances (AR/AP), business operation forecast and capex projects if any. It is also important to compare forecast vs actual after the period end as that helps in improvising the cash flow forecast method. To start with, it can be 1 month forecast but ideal would be 3 months forecast, that too by week. CF forecast not only helps to manage cash flow efficiently and avoid situation of cash shortfall but also provides opportunity to generate extra income by investing surplus cash even for few days/weeks.

Once you have been able to track your income and expenses for about one to three months, you can use this information to project(budget) your future spending and while prioritizing expenditures that matter the most.

The most important here is the sales pipeline and how trustworthy it is. In a service business more challenging than a SaaS business unless you have some recurring customers that cover your baseline it is challenging in a service business to do a long term forecast. It is recommended to work with a rolling forecast rather than a stagnant one.

Forecasting cash flow is a crucial aspect of financial management that empowers businesses to make informed decisions and navigate the financial landscape with confidence. By understanding their future cash flow needs, businesses can anticipate potential cash shortages, plan for growth opportunities, and make informed decisions about investments and debt management.

Checks and balances with pricing are very important. Sales has to have very clear guidelines what offers they can make. Additionally on the collection side if in need early payment discounts can be offered if needed. The most important thing is to align your vendor payments with the client payments as much as possible.

Understanding your customer's payment cycle is key to optimizing Cash Flow. You need to make sure you invoice and deliver before the payment cycle dates so you can timely collect your money. Also, knowing that you have an invoice due after the payment cycle date will allow you to not include it in your cash flow until the next payment cycle avoiding cash shortages.

The temptation to liberalize credit terms to “get more sales” can seriously compromise cash flow especially when your vendors are not so liberal. Don’t let the sales department set the credit terms. Sounds like a no brainer but it happens.

I'll always remember, smooth cash flow depends on prompt payments. I'll send invoices right away, provide multiple payment options, and ensure clear terms. Keeping trust through regular communication and being ready to negotiate win-win solutions if needed is key.

Make it as easy and simple as pos a ible for your customer to pay your bill. Timely invoice delivery coupled with good communication between invoices is important. For repeating invoice submissions (for example monthly) consider delivering your invoices to arrive in the last week of the prior month.

It is one this to track your expenses, it is another thing to manage it. It is important to go over your expenses as routinely as possible to identify areas where you can cut down on and areas where you are spending irrationally on and them improve your budget allocation based on this

This can be tedious, but staying on top of subscriptions and recurring payments can be of more value than most people realize. There is not a lot of "loyalty" anymore and you would be surprised at how much some of your services have increased since that first payment was made. Track these costs and call your provider's when you see prices increasing, if they are not willing to honor your loyalty then switch to a new provider.

Do you have any idea how much you are spending on subscriptions each month? I bet you it's about 3X what you think it is. It is WORTH IT to sit down and write down every single recurring expense that is coming out of your bank account (or more likely, hitting your credit card) each month. The amounts are usually so small that it's easy to think, "it's not worth the time it would take me to end it". But all of those small expenses really add up. Most of my clients have HUNDREDS of dollars in subscriptions each month. You probably do, too.

Once you get an understanding of your income and expenses you will have a solid budget and this will allow you to arrange for paying back debts. With being the higher interest rate that's first this will save you the cost of interest on the long term

Like Kaden Edwards mentioned, you have to stay up on subscriptions. Services that are subscription based are becoming the new business model. The days of buy the software up front are gone. Now the developers require a monthly Subscription to utilize the software. Make sure you higher a consultant with strong negotiating skills to keep costs down and to get you the best situations.

Building a cash reserve is very critical as treasury makes or breaks where the company goes. It is imperative to cater for unexpected occurrences as most companies were taught this by the pandemic. Determine a percentage that can be allocated as excess in the cash reserve and include it in the budget . Try as much as possible to stick to the budget and any variance investigated and used to improve future spending and budgeting. History helps shape the future as we all learn from what has happened in the past.

This is key to a healthy business, this will be painful and tempting to use reserves for growth. A disciplined approach to setting aside a small portion of profits monthly into a reserve will allow for stability. However this is particularly hard for growth minded businesses as it is difficult to see money sitting on the sidelines not working. Think about it this way, this is a reserve against a storm, when a storm comes and passes your business will be well positioned to hit the ground running. The reserve allowed you to maybe not do temporary layoffs, morale will be high, and your counterparts who didn’t have a reserve will be set back at least a year, if they are still in business.

It’s key to diversify your offerings. When one area falls out of favor, the others fill the gap. What’s in demand now may not be later, but may become in demand again further down the road. Of course this includes keeping up with new trends.

Building a cash reserve is like having a financial safety net. It's saved me from unexpected setbacks more than once. Remember, regular contributions and disciplined use are key.

Develop contingency plans for various scenarios, such as revenue declines, unexpected expenses, or market disruptions. These plans may dictate the level of cash reserves you need. Ultimately, the appropriate percentage of cash reserves for a company varies widely and should be based on a thorough analysis of your specific financial situation and objectives. Regular financial planning and monitoring are essential to ensure that your cash reserves remain at an appropriate level to safeguard your business's financial health and stability. It's also advisable to consult with financial professionals or advisors to determine the best cash reserve strategy for your company.

The mistake of cash flow comes if you don’t have enough vision/strategy for your organization along with clear plans for your current and future position in market. Plan - budget- cash flow

It is often said that cash is king. Cash flow helps you determine whether you can meet your obligations promptly. To be aware of the current cash position of your business, it is best to prepare and review cash flow reports frequently, either weekly, monthly, or quarterly. Maintaining effective cash flow management involves thoroughly reviewing payments to utilize available credit terms efficiently and having a clear collection process to encourage the customers/clients to make payments quickly. Lack of cash flow management often causes many businesses to go bankrupt.

Pode parecer básico, mas um dos erros mais comuns na gestão dos fluxos de caixa é não observar o Ciclo Financeiro e o Ciclo Operacional antes de executar uma estratégia de crescimento. Um negócio que apresenta lucro econômico pode quebrar rapidamente, e cada vez mais rápido, se crescer com contas a pagar vencendo antes do recebimento das vendas, ainda que essas vendas tenham sido realizadas com margem confortável.

It is always great to keep cash flow predictions, however, the greatest problem faced is predicting the collection from customers. Pushing customers too hard might make them hostile and may stop working with the company but being too lenient would dry-up cash. Like the days of COVID-19, it was a nightmare to predict the cash flows and manage short-term financing.

Mistake of Unhealthy debt , loans are a double-edged sword. They can provide much-needed capital at a time when it’s opportune to invest, but they’re also a cost which must be managed. If you’ve borrowed too much, or your loans are particularly expensive with high cost, these costs may outweigh any benefits from the initial loan. Unfortunately, loans can also start a bit of a cascade. High debt leads to poor cash flow, leads to trimmed budgets, leads to unhappy customers and reduced income, which in turn leads to late repayment fees … the cycle has no end.