Do This First: A Quick Cash Flow Check-Up for SMEs

Is More Money Coming In Than Going Out?

It sounds simple, but it’s the core of healthy cash flow. Are your business inflows (sales, payments received) consistently higher than your outflows (expenses, salaries, rent, etc.)?

If not, that’s a sign to pause and investigate.

Do You Have Enough Cash for Next Month’s Expenses?

Look at your bank balance today. Will it comfortably cover next month’s fixed costs — even if a few invoices come in late?

If you’re already dipping into reserves, it’s time to get support.

Are Your Customers Paying on Time?

Late payments disrupt everything. Track how long clients take to settle invoices. If you’re seeing consistent delays, cash flow will always feel tight — even if your business is profitable.

Are You Carrying Expenses That No Longer Serve You?

It’s easy for subscriptions, tools, or services to stay on auto-pay. Review your monthly outgoings. Cut what doesn’t support revenue, growth, or essential operations.

Do You Know What’s Coming in the Next 30–90 Days?

You don’t need complex forecasting. Just list expected income and big expenses for the next 1–3 months. If it doesn’t balance — or if there’s a surprise tax bill due — you’ll want time to plan.