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Cash flow clarity

5 Warning Signs Your SME Has a Cash Flow Problem

Cash Flow Trouble Doesn’t Start Loud — It Starts Subtle

When SMEs go under, it’s rarely because of a lack of customers or a poor product. It’s almost always cash flow.

And the warning signs often appear long before the bank account hits zero.

At SG&CO, we help SME owners understand the red flags — and act on them early — so they don’t get caught off guard.

House of cards collapsing on dark backgroun
1

You’re Always Waiting for Payments to Come In

If you’re constantly chasing late invoices just to cover this month’s bills, that’s a major warning sign. Unpredictable cash inflow makes it hard to plan and even harder to grow.

Review your payment terms and consider tighter credit controls.

2

You’re Delaying Supplier or SARS Payments

If you’re putting off payments — whether to suppliers or SARS — to manage cash flow, you’re already in risky territory. This can damage relationships and lead to penalties or interest.

SG&CO helps you plan ahead so you’re never stuck in this position.

3

You Can’t Pay Yourself Consistently

If your salary is the first thing to go when things get tight, your business has a cash flow imbalance. A healthy SME should be able to pay the owner regularly and reliably.
4

You’re Relying on Short-Term Loans or Credit

If you need to dip into overdrafts or short-term finance every month, that’s a flashing red light. It’s not sustainable and often leads to higher costs in the long run.

Let SG&CO help you stabilise your finances and build breathing room.

5

You Don’t Know Where Your Cash Is Going

If you’re making sales but never seem to have money left at month-end, you need visibility. Without a clear picture of where cash is going, your decisions will always be reactive.

We help SMEs set up proper reporting so they can spot leaks before they sink the ship.

Cash flow problems don’t fix themselves — they grow quietly until they demand your attention.

SG&CO gives SMEs the tools, reports, and support to stay ahead of cash flow risks and build a stable financial foundation.

If any of these signs feel familiar, now’s the time to take control.

Get in touch with SG&CO today.

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