How-To Resources and Info for "What if...?" Projections & Cash Flow Control

Save Time, Money and Frustration with This Simple Cash Flow Plan

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.

Coping with a Cash Crunch 

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.

5 Reasons Why Even Profitable Retail Businesses Fail

(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".) 

Even a profitable business can experience not having enough cash.

If only retailers had some warning, some indication of the looming shortfalls of cash, they could – and would – make adjustments, right?

After all, cash flow has just three basic parts: Cash Coming IN, Cash Going OUT, and the DIFFERENCE. 

This can be calculated very simply, like on the back of an envelope.

But...it's not easy to find envelopes these days! So The ROI has built this basic Cash Flow Gadget to use instead, and put it online for free.

3-in-1 INTEGRATED Cash Flow Calculator

This online "Retailer's Best Friend" enables any retailer, anywhere, to quickly generate a profit plan (budget) for the year, plus an Open-to-Buy plan, plus the resulting cash flow projections! All integrated! And all from the same few inputs.  more

SPEEDY Profits & Cash Forecaster

See your profits and cash flow, for yourself. In advance. In a flash!  more

Click each circle below for more info, details

Save time! Know It NOW! bundle for busy retailers

We get it. There is a lot of how-to information here at The Institute. 

And sometimes, you just "Need to Know it NOW!"

So, we've put together some "Know It NOW!" Bundles. Go here to see the BORROWING Bundle

Watch • Listen • Practice • Do-It-Yourself • Know It NOW! 

The Retail Owners Institute^® has been empowering retailers since 1999 to "Turn on their financial headlights!"
Our tools and resources are trusted by thousands of store owners to help grow profitable, resilient businesses.