Retail Cash Flow Management

Retailer's Growth Rater

Is there a cash crunch in your near future?

Here is a fast, simple, and extremely telling measure of a retailer's financial viability!

Quick • Verifiable • Sophisticated • Uniquely Retail

click to open and use

What does it mean?

Is your GMROI lower than average for your segment?  

That suggests you may be in a cash flow crunch.

You likely need short term working capital.

Your GMROI is higher than the average performer for your retail segment?

Congratulations! That means you have choices! 

For growth, and, for financing!


  1. GMROI is best used as a comparative measure; compare stores, or departments, or even vendors!

  2. GMROI reflects both margins and turns, and therefore reflects the financial dynamics in retailing.

  3. There is no one right answer for what GMROI "should" be. Given the variety of margins and turns between retailers in different segments, there are significant differences in average GMROI between specific retail segments.

Quick! Test your understanding of cash flow

Take this online quick quiz for retailersJust ten questions. All online, all at your own pace. 

Just click the GO button, and you're on your way!

Test yourself as often as you wish. Immediate feedback, too, of how well you did. Get your overall score, and can review each question, see your answer, and the correct answer.

The ROI's Quick Quiz on the P&L

Ready to manage the lifeblood of your business?

Retail Cash Flow Plans

Try The ROI's SPEEDY Cash Flow Forecaster – for free! 

Try The ROI's SPEEDY Headlights Cash Flow Forecaster

Retailers – see whether you will be able to pay your bills on time. All online, on your own. 

More info HERE


Cash Flow Management for Retailers

Fast-Paced, Lively Retail Financial How-To Webinars

Online, on-demand, 24/7

Unlimited free access for ROI Members • Or, buy 3-Day Online Access for $9.95 each

click each for more info



Retail Cash Flow webinarRetail Survival webinarTell-Tale Key Ratios webinar


from The Library for Owners

Specifically for Retail Situations | Practical, Proven, Timeless | Used and Loved by Thousands of Retailers

Cash Flow Planning: How It Pencils Out!

A cash flow plan will help you anticipate how sales and expenses will affect your cash flow for the next six months to a year. 

Once you know that, you can start now to make any needed adjustments. 

In this practical and explanatory article, first you will see how to do a cash flow with a pencil. 

Then, take advantage of The ROI's SPEEDY Headlights Cash Flow Forecaster to auto-magically play "what if...?" as you compare adjustments.

read full article here

Coping with a Cash Crunch

6 Steps to Get Your Business on Sound Financial Footing

Without cash for inventory, payroll and other expenses, an emergency is upon you. 

Even a profitable business can experience not having enough cash at some point.

 One moment cash is flowing, the next moment it is barely dripping. Drip. Drip.

  1. These six steps are designed to help you in an emergency. 

  2. Plus, they also contain the foundation of an on-going strategy for controlling your cash.

Once you can breathe more freely (and the cash flow has increased a bit) use them to take a more comprehensive look at your business.

read full article here

The Top 5 Killers of Retail Businesses

(Hint: Declning sales is NOT one of them!)

We identify and examine each of the Top Five Killers of Retail Businesses. 

While they all need the respect of you, the owner or CEO, your highest priority always must be the #1 slayer. And it just might surprise you to learn what it is. 

(Here's another hint of what it's not: over one-third of the retail businesses that fail each year are actually "profitable".

read full article here

Online Training Course from The ROI

The ROI offers basic retail financial online training called "eLearning Kits". Each kit includes (1) an online training course, and (2) in-the-cloud Executive Calculator, specifically for retail projecting. No additional charge!

Explanatory How-to Training Course
The self-paced eLearning course in each eLearning Kit includes explanatory retail financial how-to content, example case studies, demonstrations of how to use the specialized cause-effect "calculator", and yes, even a final quiz.

Entertaining Case Study
And, you WILL have fun!  Meet Helen and Irving Surviving, owners of the I. M. Surviving(?!) Company. Follow their progress through each course, as they deal with the issue: "Am I running this business, or is it running me?"

Online Projecting "Calculator", Specially Developed for Retailing
Every eLearning Kit also includes – at no extra charge – an online Executive Calculator. 
As training tools, these calculators show the dynamic cause-effect connections between the numbers in a retail business. And, as practical working tools, these easy-to-use calculators enable any retailer, anywhere, to run their business like the pros do!

These Executive Calculators are online, "in the cloud", available on-demand, 24/7. Nothing to download or install; all the formulas are built in. Easy - and fast! - for retailers to use. No additional charge!

Some call it "connecting the dots." We call it, "Now, everyone WILL 'get it'."

Projecting and Controlling Retail Cash Flow

Use the basic financial levers in business to find more cash!

As a retailer, even if you have a profit, if you are out of cash, you most likely are out of business!

Severe cash flow problems are the #1 killer of retail businesses. 

How best to avoid these problems? By 

looking ahead

seeing that they're coming

• taking action to avert them. 

Or, in other words, by projecting a Cash Flow plan for your business. 

See how this 3-part formula empowers you to "Turn on your financial headlights!"