FINANCIAL STATEMENT ANALYSIS & CASH FLOW – Commercial Sources of Debt & Equity:

Cash Flow is the most critical component to a successful business. There are many determining factors which dictate the best borrowing options for each particular situation. Every client is unique and not all capital requirements are the same.  It is therefore important to work with a partner that understands your industry, your situation, your company; a partner who can find and match you with the right solution.
1. Getting in Sync with Cash Flow – A review of investing, financing required and operating profit are cash activities that need to be analyzed to ascertain the change in cash for these three types of cash flow.
2. Mining the Balance Sheet – Unlock the hidden cash from the Balance Sheet by turning over assets, investing long term and advantageous leveraging.
3. Understanding Liquidity vs. Available Cash – Gain the understanding that liquidity and solvency is not the same thing.  There are measuring tools to determine liquidity. Explore ways to leverage assets and use equity to strengthen the business.
4. Creating a Business Plan to Secure Cash – Develop a cash flow projection for the year as well as a gross profit margin requirement.  Provide projections based on realistic and well positioned assumptions.  Develop contingency plans that speak to the changing conditions in the marketplace.
5.  Secure External Sources of Capital/Using Debt and Equity – Need to understand the different components of an equity raise as opposed to the securing of debt, as a financing option.  The advantages and disadvantages of both forms of capital require a determination as to which is most suitable for the company.
6.  Managing the Selling and Disbursement Cycles to Improve Cash Flow – A successful and profitable company manages the entire selling cycle.  The critical steps in the disbursement cycle involve qualifying suppliers and vendors, establishing controls and managing the needs of creditors.  Implementing controls in support of and managing lending agreements in relation to your sales cycle is paramount to achieving overall success in the business. 
7.  The Keys to Managing Cash Flow in a Small Business – Understand the financial statements and what is represented by each.  Establish a Business Plan and make projections based on relevant assumptions.  Continue to focus on cash and capital.  Operational focus includes being complete, accurate and timely.  Manage the selling and disbursement cycles.  

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