1. The document discusses ways for small businesses to improve cash flow, which is essential for survival. It emphasizes distinguishing cash flow from profits and monitoring receivables and payables. 2. Specific tips include reviewing past cash balances to project future flows, setting aside reserves in high-cash months, and addressing receivables and payables by offering early payment discounts, pre-authorizing checks, and utilizing lockbox services. 3. The conclusion emphasizes that conquering cash flow is key to not only staying in business but enabling future growth through building a capital reserve.

1. A Newsletter for Small Business Owners
Cash Flow: Securing Your Survival
The pundits have crowned it king. Textbooks call it your business’s lifeblood. Manage it well
and thrive. Bungle it and don’t count on being around for long.
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