#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
Parking Garage and Valet Bookkeeping: Reconciling Five Revenue Streams and the 30-Day Client Float
A parking operator's chart of accounts and close process — how to separate transient, monthly permit, corporate, valet, and event revenue, book monthly permits as deferred revenue, back parking tax out of tax-inclusive rates, and hold at least 1.5× one month's gross client collections before signing a management agreement with 30-day remittance terms.
The 2026 CRE Maturity Wall: A Small Landlord's Guide to Refinancing Into Higher Rates
About $875 billion in CRE loans mature in 2026. Learn what the maturity wall means for small landlords, how higher rates and lower valuations create an equity gap, and a 9-to-12-month checklist to prepare your refinance.
Corporate Card and Expense Management Software in 2026: Automated Receipt Matching, Real-Time Controls, and Free vs. Paid Plans
Corporate card and expense platforms in 2026 now auto-match receipts via OCR, enforce spend controls at authorization, and sync to your books — with free tiers funded by interchange and paid plans at $5–$15 per user unlocking advanced approvals and ERP mapping.
Camper Van Conversion Company Bookkeeping: Final-Stage Manufacturer Status, Chassis Inventory, and Progress Billing for Multi-Month Builds
A camper van conversion shop that installs living-space modules on incomplete chassis is a final-stage manufacturer, not a services business: the chassis is WIP inventory, certification costs are manufacturing overhead, and deposits stay contract liabilities until ASC 606 over-time recognition turns cost-to-cost progress into revenue.
DSCR Loans, Explained: Qualify for Rental Property Financing on the Property's Cash Flow, Not Your W-2
A DSCR loan approves an investment property on its rental income instead of the borrower's tax returns — monthly rent divided by PITIA, with approvals typically near a 1.0 ratio, rates around 6.5%–8%, 20–30% down, and 3–6 months of reserves. Here is the math lenders run, what the loan costs, and the per-property records that decide the refinance.
New York Voids Construction Retainage Above 5%: A Contractor's Guide to the Prompt Payment Act
New York's Prompt Payment Act amendment voids private construction contract clauses that retain more than 5%, requires retainage release within 30 days of final approval, and adds 1% monthly interest on late amounts — here is how contractors should fix their contracts, book retainage as a contract asset under ASC 606, and run a 30-day closeout.
PayPal's Bank Transfer Fee Jumps 51% on August 1: How to Rebudget Your Invoices Before You Pay More
PayPal's instant transfer fee rises from 0.99% to 1.50% on August 1, 2026 — a 51% increase. Learn what it costs on real invoice sizes, when instant is still worth it, and how to rebudget recurring invoices and book gross versus net correctly.
How Small Businesses Are Actually Priced in 2026: SDE Multiples, Explained Before You List or Buy
Main street businesses are priced as Seller's Discretionary Earnings times a multiple — an all-sector average of 2.57x, ranging from 1.39x for dollar stores to 4.99x for car washes. Here is how SDE is calculated, which add-backs survive buyer diligence, why the multiple ladder moves, and how 2026 SBA lending rules reshape deal structure.
The Sloan Ratio: How to Tell If Your Profits Are Real Cash or Just Accounting Accruals
The Sloan ratio divides the gap between net income and operating cash flow by total assets to show how much reported profit is accruals rather than cash. Includes the formula, the ±10% caution bands, and a worked example of a profitable agency where only 40 cents of each profit dollar arrived as operating cash.
Small Business Bankruptcies Hit a Decade High: Why Subchapter V Filings Jumped 67% and What the $7.5 Million Debt Limit Fight Means for You
Business bankruptcies hit 24,737 filings in the year through December 2025 and Subchapter V cases jumped about 67% year-over-year in January 2026. This guide explains why filings are rising, how Subchapter V differs from traditional Chapter 11, what the $7.5 million versus $3 million debt limit fight means for eligibility, and the five-number dashboard that surfaces trouble months before a filing.
Wedding DJ and Mobile Entertainment Bookkeeping: Deposits, Gear Depreciation, and Off-Season Cash Flow
How wedding DJs and mobile entertainers should classify booking deposits and retainers under cash versus accrual accounting, depreciate sound and lighting gear under Section 179 or MACRS, track revenue and cost per event, issue 1099-NECs for second DJs, and survive the off-season cash crunch when most revenue compresses into a few months.
Independent Tree Service and Arborist Bookkeeping: Storm-Surge Cash Flow, Equipment Costing, and the Winter Slowdown Plan
Tree service cash flow surges after storms and stalls in winter. Learn how to track storm vs. routine jobs, cost chipper and bucket truck time, and build a cash reserve for the slow season.