#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
Where to Park Idle Business Cash in 2026: High-Yield Savings, CDs, and Sweep Accounts
As of mid-2026, competitive business savings accounts pay roughly 3.5%–3.75% APY while the national average sits near 0.4% — a $150,000 idle balance in a 0.01% checking account forgoes about $5,000 a year. A timeline-based framework for placing tax reserves, operating buffers, and balances above the $250,000 FDIC limit into high-yield savings, CD ladders, ICS/CDARS sweep programs, and Treasury money market funds.
Amazon DSP Bookkeeping: Tracking Chargebacks, Scorecard Bonuses, and True Driver Costs
Amazon DSP settlement statements bundle base route rates, per-package fees, scorecard bonuses, and 1-4% chargebacks into one net deposit, and owners who book that as a single revenue line miss chargeback creep and the 50-60% labor markup that separates a 2.5% margin from a 6%+ one.
Construction Retainage: How to Book It So Your Cash Flow Stops Lying to You
Retainage withholds 5-10% of every construction progress payment until project completion, and contractors who book it into regular AR/AP instead of separate Retainage Receivable and Retainage Payable accounts lose visibility into which "earned" revenue is actually collectible now versus locked up for months.
Indoor Climbing Gym Bookkeeping: Deferred Revenue, Punch Cards, and Wall Build-Out Costs
How climbing gyms should book memberships, punch cards, and day passes under ASC 606 — deferring prepaid revenue, estimating breakage on unused passes, and capitalizing a $100K–$500K wall build-out with 7–15-year depreciation instead of expensing it.
Pet Waste Removal Business Bookkeeping: Route Density, Deferred Revenue, and the Real Unit Economics
Pet waste removal services gross $20–$45 per visit at ~50% gross and ~20% net margins, with top operators reporting $2M+ in annual revenue. This bookkeeping guide covers the metrics that actually decide profitability — revenue per route-hour, deferred revenue on prepaid subscriptions, and separating residential cash flow from invoiced commercial contracts.
The SBA's 90% Grocery Guarantee: A Financing Guide for Small Grocers and Food Businesses
The SBA's 90% Grocery Guarantee, launched May 2026, raises the federal guarantee on food-supply-chain loans from 75% to 90% — up to $5 million over 25 years — and approved $30 million in its first month. Here's who qualifies, how it differs from a standard 7(a) loan, and what lenders need to see in your books before you apply.
The SBA's New 90% Grocery Guarantee: A Financing Lifeline for Small Grocers and Food Suppliers
The SBA's 2026 Grocery Guarantee raises its loan guarantee from 75% to 90% for roughly 20 qualifying food-supply-chain NAICS codes, covering loans up to $5 million with terms up to 25 years, and backed 19 loans totaling more than $30 million in its first month.
Snow Cone and Shaved Ice Truck Bookkeeping: Pricing and Cash Flow for a Four-Month Season
A snow cone costs $0.15–$1.25 to make and sells for $2–$5, but that 200–300% margin only covers costs if fixed expenses like truck payments and insurance are spread across a realistic 12–16 week selling season instead of a full year.
ABA Therapy Practice Bookkeeping: The RBT/BCBA Guide to Billing, Authorizations, and Cash Flow
ABA practices bill in 15-minute units under CPT codes 97153 and 97155, face industry-wide denial rates of 15-30%, and see predictable cash-flow dips when six-month prior authorizations lapse before renewal paperwork clears.
Occupational Therapy Private Practice Bookkeeping: A 2026 Guide
A 2.5% CMS cut to OT evaluation codes, a $2,480 KX modifier threshold, and the 8-minute rule all shape 2026 revenue for occupational therapy private practices, and each one requires a specific change to how the books are kept.
SBA MARC Loans Explained: FY2026 Fee Waivers for Manufacturers
The SBA has waived upfront fees on 7(a) and 504 loans for manufacturers through September 2026 and launched MARC, a revolving credit line up to $5 million for NAICS 31-33 businesses, after issuing its first $3.5 million in MARC loans to four manufacturers in December 2025.
Billiards and Pool Hall Bookkeeping: Table Time, League Revenue, and Bar Margin
Pool halls run three distinct revenue streams with different margins and accounting treatment, and league or tournament fees collected in advance are deferred revenue, not income, until the season is actually played.