Business Consulting Services
Money Comes In. Payroll Still Makes You Sweat.
Sales are up. You’re busy. But you check the bank balance before every big decision, and some weeks the money isn’t there when the bills are due.
Dr. Paul Borosky, Business Consultant, helps owners get it under control with Dr. Paul’s Organize-Plan-Grow™ Strategy. On site or via Zoom. He travels.
Call or Text Dr. Paul: (321) 948-9588The first call is free and takes 15 minutes. Dr. Paul answers personally.
What It Is
What Is Cash Flow Management Consulting?
The Definition
Cash flow management tracks and plans the timing of money coming in and going out, so the business has the cash it needs when it needs it.
In Plain English
It’s knowing, ahead of time, whether you can make payroll, pay the supplier, and buy the truck, instead of finding out from the bank.
Why Owners Need It
Signs It’s Time
If two or three of these sound like your business, this is where to start.
How Dr. Paul Helps
Cash Flow Management Consulting, Run Through Organize-Plan-Grow
Same system as every service. The details come from your business.
1Organize
See where the cash goes
Pull the real numbers before changing anything.
- Every bill and when it’s due
- When customers actually pay
- Business and personal money, separated
2Plan
Build a cash plan
Plan the money before it moves.
- A simple weekly cash forecast
- Billing and collection routines
- A cash reserve target
3Grow
Run it and check it
Review it every week and adjust.
- No more payroll surprises
- Faster collections
- Cash ready for the next move
What It Looks Like
A Story From the Forest
A Story from Dr. Paul’s Fabled Forest
Paxton the Penguin and the January Freeze
Paxton the Penguin runs Frostbill Plumbing & Air, and every summer the phones never stop. Every January, the money does. Doctor Owl laid Paxton’s bank statements side by side and showed him the busy season was paying for the slow one, with nothing set aside in between. Together they built a simple weekly cash plan, a reserve target, and a budget for the cold months. “Busy is good,” Paxton admitted, “but planned is better.”
One of many stories from Dr. Paul’s Fabled Forest Business School Series →
Doctor Owl is fiction. The problem isn’t. Dr. Paul works through it with real owners, on site or via Zoom. Run an HVAC or plumbing company? Same fire, different forest →
The Cost of Waiting
What Happens If It’s Left Alone
These problems don’t stay the same size. They grow with the business.
- Payroll stress every other week
- Borrowing to cover gaps you could have planned for
- Saying no to growth because the cash isn’t there
- One slow month turns into a crisis
Related Services
Problems Rarely Come Alone
- Financial Planning and Modeling
- Business Profitability Consulting
- Fractional CFO and COO Consulting
- Business Turnaround Consulting
Need a term explained? Read What Is Cash Flow? at Quality Business Plan. Or see all services.
FAQ
Common Questions About Cash Flow Management Consulting
Why do profitable businesses run out of cash?
Because profit and cash arrive at different times. You can make money on a job and still wait weeks to get paid while the bills come due now. A cash plan closes that gap.
Do I need an accountant for this?
Your accountant looks back. Cash flow management looks ahead. Dr. Paul works alongside your bookkeeper or accountant, not instead of them.
How often should I look at cash flow?
Every week. A short weekly cash check, money in, money out, and what’s due next, catches most surprises while you can still act.
Ready to organize, plan, and grow?
Tell Dr. Paul what’s going on. He’ll tell you where he’d start.
Call or Text (321) 948-9588