3. Slow decisions hurt cash flow!

This article forms part of the PWFO Swiss Certified Newsletter Series under Empowered Finance Professional, examining systemic weaknesses that place MSMEs, solopreneurs, and growing businesses at a structural disadvantage.

3 - Struggling business and falling time

Delays in 

• approvals,
• permits, and 
• reimbursements 

do not just frustrate businesses. 

They strain cash flow and increase risk.

What to do?

1. Build a cash buffer policy Always plan for delays. Keep a minimum reserve covering 3–6 months of fixed costs.

2. Forecast cash weekly, not monthly Track expected inflows and outflows every week. Early visibility prevents crisis.

3. Stage expenses Delay non-essential spending until approvals or reimbursements are confirmed.

4. Negotiate payment terms Request longer supplier terms and shorter client payment cycles where possible.

5. Document and follow up systematically Keep a clear log of submissions, dates, reference numbers, and contact persons. Follow up on fixed intervals.

6. Diversify revenue streams Avoid dependence on one approval, one grant, or one payer.

7. Price in delay risk If operating in slow systems, reflect that risk in your pricing and contracts.

Time delays are not only administrative problems. They are financial risks.

Manage them as such.

Here is to building a good cashflow system. 

Are you waiting on a decision that blocks revenue?

#CashFlow #SME #Permits #BusinessRisk