My Business Needs Money Yesterday
Revenue is up, cash is tight. Ms. B walks through the capital options a growing business may have.
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Episode summary
Business is booming, invoices are out—and payroll is due Friday. In “My Business Needs Money Yesterday,” Ms. B The Money Lady uses a familiar cash crunch to explain why profit and available cash are not the same thing. Revenue recorded on the books may not yet be money in your bank account. When customers pay in 30 days but rent, suppliers and employees need payment sooner, even a profitable business can face a working capital gap.
The next move is to run the numbers, not assume any funding offer will solve the problem. Start with cash on hand, expected customer payments and upcoming bills. Then identify how much money is needed, when it is needed and what cash will support repayment. Faster collections, revised payment terms or adjustments to spending may help; outside funding may also be worth exploring, depending on costs and eligibility.
Secure the Bag with Ms. B The Money Lady is a Dallas, Texas capital strategy and education brand—not a lender. The goal is to help business owners understand their numbers, identify an appropriate capital lane and build a personalized capital roadmap. This episode offers general education, not individualized legal, tax or investment advice. Funding and approval are not guaranteed.
Key lessons
- •Profit does not guarantee cash is available when bills come due.
- •A timing gap between customer payments and business expenses can create a working capital shortage.
- •Map expected cash receipts and payment deadlines before deciding how much funding to explore.
- •Consider operational changes, such as faster invoicing and negotiated payment terms, alongside funding options.
- •Compare total funding costs, payment frequency and repayment capacity—not just speed or the amount offered.
Terms mentioned in this episode
- Working capital
- Current assets minus current liabilities. It is one measure of a business’s short-term financial position, but it is not the same as cash available today.
- Cash flow
- The movement of money into and out of a business over a period of time.
- Accounts receivable
- Amounts customers owe a business for goods or services already provided. These unpaid invoices are not yet collected cash.
- Net 30
- Payment terms generally requiring an invoice to be paid within 30 days, as specified in the agreement.
- Cash flow forecast
- An estimate of future cash receipts and payments used to identify potential shortfalls or surpluses.
- Business line of credit
- A financing arrangement that lets a business draw funds up to an approved limit, subject to its terms. Interest, fees and repayment requirements vary.
Full transcript
Sounds like somebody is securing the bag. Securing the bag. If business is booming, where's the money? Some invoices pay in 30 days. And payroll? Friday. Friday. Rent? Monday. Suppliers? Now. There it is. A profitable business can still experience a cash flow problem. You may have revenue on the books, but Bills don't wait. So I'm not broke? I didn't say that either. Let's run the numbers. I'm Ms. B, the money lady. Secure the business bag. Figure out what you're trying to and we will help you explore your options. Funding the growth the right way, that's how we secure the bag.
What's your next money move?
The free Capital Checkup takes about 60 seconds and points you to the capital lane that may fit your goal.