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Cash Flow

Track and optimize cash flow for better financial health and stability

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13 min read

Water Park Bookkeeping: How to Fund 12 Months of Costs From a 100-Day Season

An outdoor water park earns nearly all of its revenue in roughly 100 operating days but can burn $150,000 to $450,000 a month with the gates closed. Season-pass presales are a contract liability under ASC 606, recognized per operating day or per estimated visit, with breakage booked only at expiration. This guide sets up stream-level revenue accounts, seasonal labor budgeting, utility and chemical tracking, weather and capex reserves, and a 52-week cash forecast that funds the offseason trough.

Mike Thrift

seasonal-businessdeferred-revenuerevenue-recognition
11 min read

Lockbox Banking vs. Remote Deposit Capture: How Small Businesses Should Collect Customer Checks

A lockbox sends customer checks to a bank-run P.O. box where staff scan and deposit them the same day and return a remittance data file; remote deposit capture lets you scan checks at your own desk under the Check 21 Act. This guide compares the two for small businesses by check volume, customer geography and cost (setup, monthly and per-item lockbox fees versus a $5 to $40 per month scanner plan), and covers same-day posting to receivables, original-check retention, deposit cutoffs and positive pay.

Mike Thrift

bankingbusiness-bankingaccounts-receivable
10 min read

Oklahoma's Child Care Subsidy Cutoff Drops to 55% of Median Income on July 1: A Budget Playbook for Daycare Owners Facing Enrollment Loss

Oklahoma's child care subsidy income ceiling falls from 85% to 55% of state median income on July 1, 2026, cutting the family-of-four cutoff from about $79,846 to about $51,665, months after the $5-per-day provider add-on ended on April 6. This guide shows daycare owners how to segment their roster by subsidy exposure, model private-pay conversion versus reduced hours versus attrition, and rebuild staffing, pricing, and cash reserves before the renewal-by-renewal enrollment slope arrives.

Mike Thrift

childcaresmall-businessbudgeting
11 min read

Embedded Business Lending for Freelancers: How to Compare Offers Before You Borrow

Embedded lending marketplaces like Lili's Lendio integration put loan applications inside your banking dashboard, but the lender—not the platform—sets your terms. A practical framework for freelancers to compare net proceeds, total repayment, factor rates, and payment burden, stress-test a slow month, and record the debt properly before accepting an offer.

Mike Thrift

loansfinancingfreelance
12 min read

Holiday Light Installation Bookkeeping: Make Six Busy Weeks Fund the Whole Year

A holiday light installation business can collect most of its annual cash in six weeks and still run dry by August. This guide builds the bookkeeping system that prevents it — a 12-month cash forecast with three scenarios, job-level costing, customer deposits held as liabilities until earned, an asset register for reusable lights, mileage and labor records, and a daily-weekly-monthly close routine that survives the rush.

Mike Thrift

bookkeepingseasonal-businesscash-flow
12 min read

Restricted Cash Under ASC 230: A Practical Guide to Separating Unavailable Funds and Reconciling Cash Flow

Restricted cash is real money you cannot freely spend—lender reserves, escrow, customer deposits. ASC 230 requires the statement of cash flows to reconcile the combined total of cash, cash equivalents, and restricted cash, and transfers between restricted and operating accounts are not cash flows. This guide shows small businesses how to identify restrictions, keep them in separate ledger accounts, reconcile releases monthly, and tie the cash-flow statement back to the balance sheet.

Mike Thrift

accountingcash-flowfinancial-reporting
11 min read

Supplier Cash Discounts: How Retailers Should Record Early-Payment Savings Without Distorting Inventory

Cash discounts like 2/10, net 30 can be recorded two ways — reduce purchases, or credit a separate discount account — and the IRS expects one method applied consistently. How each choice changes COGS, closing inventory, and year-end reconciliation for a retailer, plus an invoice workflow that keeps discounts from silently distorting margins.

Mike Thrift

inventorycost-of-goods-soldaccounts-payable
11 min read

Australia's Dynamic PAYG Instalments: How to Prepare for More Responsive Tax Payments in 2027

Australia's 2026–27 Federal Budget expands the ATO's Dynamic PAYG instalments pilot, targeting broader accounting-software adoption from July 2027 alongside an announced — but not yet legislated — monthly payment option. This guide separates confirmed changes from proposals, explains why bookkeeping quality decides whether software-calculated instalments help, and lays out the monthly close, tax-reserve forecast, and variation evidence trail small businesses can build now.

Mike Thrift

taxsmall-businesscash-flow
11 min read

New Zealand Tax-Debt Credit Reporting: What an Overdue GST, PAYE, or Income-Tax Balance Means for Your Business

Inland Revenue can report significant unpaid business tax to a credit reporting agency — GST, PAYE, or income-tax debt over NZ$150,000 that is 90+ days overdue, or debt unpaid for more than 12 months equal to at least 30% of assessable income. Here is how the 30-day Notice of Intent works from 1 April 2026, and the myIR review and reconciliation controls that keep a balance off your credit file.

Mike Thrift

tax-compliancetaxsmall-business
11 min read

Reverse Factoring Without the Fog: How to Track Supplier Finance, Payables, and Cash Flow

Reverse factoring lets a supplier collect early from a finance provider while you still pay the full invoice at maturity. FASB ASU 2022-04 requires buyers to disclose key program terms, confirmed obligations outstanding, and an annual rollforward. Here is the data model, monthly reconciliation, and cash-flow analysis that keep those numbers defensible.

Mike Thrift

accounts-payablecash-flowfinancial-reporting
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