Cash Flow Crunch? Here’s How an Accountant Can Help

You’re making sales, sending invoices, and staying busy — but somehow, there’s never enough cash in the bank. Sound familiar?

Cash flow problems are one of the most common (and stressful) challenges for small business owners. Even profitable businesses can struggle with cash flow, especially when expenses, tax obligations, and payment delays collide. That’s where a good accountant can make all the difference.

In this blog, we break down how an accountant can help solve your cash flow issues — not just reactively, but strategically.

🚰 1. Finding the Leaks: Where Is the Cash Going?

One of the first things your accountant should do is dig into your numbers and identify the root causes of your cash flow pain.

They’ll look at:

• Debtor days – Are customers paying late?

• Inventory levels – Are you tying up too much money in stock and materials?

• Unnecessary expenses – Are there costs you could trim or restructure?

• Timing mismatches – Are you paying bills before the money comes in?

These insights are critical — because cash flow problems aren’t always about low revenue. Sometimes it’s just poor timing or inefficiencies in how the money moves through your business.

📅 2. Forecasting the Future (Instead of Guessing)

Your accountant can build a cash flow forecast that maps out your expected income and expenses week by week or month by month. This gives you a clear view of:

• When shortfalls are likely to happen

• When you’ll have surplus cash (and how best to use it)

• How decisions (like hiring or buying equipment) will impact your position

With a forecast in hand, you can plan ahead, avoid nasty surprises, and make decisions with confidence.

🔄 3. Helping You Manage the Flow

Once the issues are clear and the forecast is in place, your accountant can help you manage the cash cycle more effectively. That might include:

• Setting up payment terms and reminders to speed up debtor collections

• Spacing out supplier payments or negotiating better terms

• Timing tax and superannuation payments to avoid last-minute scrambles

• Structuring finance (like a line of credit) to support your working capital needs

They can also keep you accountable, with regular check-ins and reports so cash flow becomes part of your ongoing business rhythm — not just a fire to put out.

✅ Want to get on top of your cash flow?

Cash flow stress can feel overwhelming, especially when you’re wearing all the hats. But you don’t have to figure it out on your own.

At Roscoe & Company, we work closely with small business owners to take control of their cash flow — so they can run a healthier, more predictable business. Contact us for a free initial strategy call on how we can help you.