{"id":77245,"date":"2025-08-29T09:15:16","date_gmt":"2025-08-29T08:15:16","guid":{"rendered":"https:\/\/invoicefly.com\/?p=77245"},"modified":"2026-03-10T20:57:34","modified_gmt":"2026-03-10T19:57:34","slug":"problemas-de-liquidez","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/cash-flow-problems\/","title":{"rendered":"14 problemas comunes de tesorer\u00eda a los que se enfrentan las peque\u00f1as empresas y los contratistas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"77245\" class=\"elementor elementor-77245\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3438ff71 e-flex e-con-boxed e-con e-parent\" data-id=\"3438ff71\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e25a9e8 elementor-widget elementor-widget-text-editor\" data-id=\"7e25a9e8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For small businesses and contractors, cash flow problems can quickly spiral into missed payments, delay in projects, and cash flow problems can even lead to business failure. From late client payments to poor inventory management, knowing how to spot and fix these issues is incredibly important.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>In this guide, we\u2019ll cover 14 of the most common cash flow challenges\u2014and proven strategies to solve them\u2014so you can protect your business\u2019s financial health. By the end of this article, you will be an expert at identifying the early warning signs of cash flow problems and even an expert in dealing with cash flow problems.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-77248 size-full\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/small-business-owner-cash-flow-problems.jpg\" alt=\"Small business owner facing cash flow problems and financial stress\" width=\"1000\" height=\"563\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/small-business-owner-cash-flow-problems.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/small-business-owner-cash-flow-problems-300x169.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/small-business-owner-cash-flow-problems-768x432.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/small-business-owner-cash-flow-problems-710x400.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:image {\"id\":77248,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"className\":\"is-style-rounded\"} --><\/p>\n<p><!-- \/wp:image --><!-- wp:heading --><\/p>\n<p>Understanding and solving cash flow problems is an important part of <a href=\"https:\/\/invoicefly.com\/academy\/small-business-bookkeeping\/\">bookkeeping for your small business<\/a>. Read all about what the most common issues are that lead to common problems with cash flow and what the best way to avoid cash flow problems is below.<\/p>\n<h2>What is a cash flow problem?<\/h2>\n<p>Cash flow issues come up when a business&#8217;s cash outflows exceed its inflows over a specific period. This leads to a shortage of liquid cash.<\/p>\n<ul>\n<li><strong>Outflows:<\/strong> expenses, debt payments<\/li>\n<li><strong>Inflows:<\/strong> sales, revenue<\/li>\n<\/ul>\n<p>Even companies that are profitable can face problems with their cash flow and struggle to pay their suppliers, employees, or taxes because they have revenue that is not collected yet. Uncollected revenue can lead to cash flow problems as well.<\/p>\n<h3>Cash flow problems explained<\/h3>\n<p>Cash flow is the movement of money in and out of your business over a set time period. It covers <strong>everything coming in<\/strong> including <strong>sales, service payments, investments<\/strong>, and <strong>everything going out,<\/strong> including <strong>payroll, rent, supplies, loan payments,<\/strong> and more.<\/p>\n<p>In short: positive cash flow means that more money is entering your business than leaving it, while negative cash flow is a sign of potential trouble.<\/p>\n<p>Understanding your cash flow is all about <em>maintaining the liquidity<\/em> needed to keep daily operations running. These include paying employees on time and having money to invest in <em>growth<\/em>.<\/p>\n<p>Cash flow problems usually start when the amount of money going out of your business is greater than the money coming in for a longer period of time.<\/p>\n<p>It may sound surprising, but even a profitable business can collapse if they can\u2019t manage their cash flow effectively.<\/p>\n<h3>How to identify cash flow problems<\/h3>\n<p>&nbsp;A <strong>cash flow statement<\/strong> provides a clear framework for analysing financial health and operating activities. Think of it as your business\u2019s dashboard \u2014 it makes sure you don\u2019t run out of fuel unexpectedly.<\/p>\n<p>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"88961\" class=\"elementor elementor-88961\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d7428 e-flex e-con-boxed e-con e-parent\" data-id=\"b0d7428\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28b6e34 e-con-full e-flex e-con e-child\" data-id=\"28b6e34\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a80568f e-con-full e-flex e-con e-child\" data-id=\"a80568f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1feff4 elementor-widget elementor-widget-heading\" data-id=\"c1feff4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Create and Send Invoices with Invoice Fly<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18c8ebb elementor-widget elementor-widget-text-editor\" data-id=\"18c8ebb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you\u2019re billing clients weekly, monthly, or per project, Invoice Fly helps you create professional invoices, track payments, and stay organized from anywhere.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fac6f51 elementor-align-left elementor-widget__width-auto elementor-mobile-align-left elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"fac6f51\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijg4MzE5IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Try it for free &gt;<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89c366b e-con-full e-flex e-con e-child\" data-id=\"89c366b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14efd0d elementor-widget elementor-widget-image\" data-id=\"14efd0d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"997\" height=\"838\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup.webp\" class=\"attachment-large size-large wp-image-82505\" alt=\"invoice fly mobile dashboard\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup.webp 997w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-300x252.webp 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-768x646.webp 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-710x597.webp 710w\" sizes=\"(max-width: 997px) 100vw, 997px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:image {\"id\":28042,\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"className\":\"is-style-rounded\"} --><\/p>\n<p><!-- \/wp:image --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-profit-vs-cash-flow-understanding-the-difference\" class=\"wp-block-heading\"><strong>Profit vs. Cash Flow: Understanding the Difference<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>The best way to avoid cash flow problems is to understand how they occur in the first place. For that, we need to look at a few common misconceptions first.<\/p>\n<p>Profit and cash flow for example often get confused, but they&#8217;re not the same thing.<\/p>\n<p>Understanding this difference is really important for avoiding common cash flow problems in business.<\/p>\n<p>Put very simply, while profit tells you whether your business model is sustainable long-term, cash flow determines whether you can keep the lights on and meet all of your daily obligations. As the <a href=\"https:\/\/corporatefinanceinstitute.com\/resources\/accounting\/profit-vs-cash\/\" target=\"_blank\" rel=\"noreferrer noopener\">Corporate Finance Institute<\/a> notes, a business needs both profit <em>and<\/em> healthy cash flow to be successful.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td><strong>Profit<\/strong><\/td>\n<td><strong>Cash Flow<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Definition<\/strong><\/td>\n<td>Amount left after subtracting expenses from revenue<\/td>\n<td>Actual movement of money in and out of the business<\/td>\n<\/tr>\n<tr>\n<td><strong>Timing<\/strong><\/td>\n<td>Can include unpaid invoices or future revenue<\/td>\n<td>Only tracks money actually received or spent<\/td>\n<\/tr>\n<tr>\n<td><strong>Usefulness<\/strong><\/td>\n<td>Shows long-term profitability<\/td>\n<td>Shows short-term liquidity\u2014your ability to pay bills today<\/td>\n<\/tr>\n<tr>\n<td><strong>Risk if Mismanaged<\/strong><\/td>\n<td>Business may look &#8220;profitable&#8221; but lack working capital<\/td>\n<td>Without positive cash flow, even profitable businesses can fail<\/td>\n<\/tr>\n<tr>\n<td><strong>Key Question<\/strong><\/td>\n<td>Am I making money overall?<\/td>\n<td>Do I have enough cash right now to operate?<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><!-- wp:paragraph --><\/p>\n<h2 id=\"h-what-are-common-cash-flow-problems-and-how-to-solve-them\" class=\"wp-block-heading\"><strong>The most common cash flow problems and how to solve them<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Cash flow issues rarely happen overnight. They typically develop over time from specific operational challenges. These challenges, when left unaddressed, can threaten the survival of your business. Here are the most common problems listed and solutions you can take action on right now:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-1-late-client-payments\" class=\"wp-block-heading\"><strong>1. Late client payments<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Late payments are one of the biggest cash flow killers for small businesses. Some clients tend to stretch <a href=\"https:\/\/www.uschamber.com\/co\/run\/finance\/what-are-net-terms\" target=\"_blank\" rel=\"noreferrer noopener\">payment terms<\/a> beyond 30 days or even worse, simply ignore invoices altogether and need constant reminders to pay. This means your working capital gets tied up, making it difficult to cover your expenses.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this cash flow problem:<\/strong> Set up automated invoice reminders starting 7 days before payment is due. Ask for 25-50% deposits on larger projects upfront. Consider offering a 2% early payment discount for invoices that are paid within 10 days. For clients that consistently pay invoices late, put into place a clear late fee policy and don&#8217;t hesitate when the time comes to enforce them.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Need an invoicing softare that helps you set up payment reminders for your small business? Try <a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\" target=\"_blank\" rel=\"noreferrer noopener\">Invoicing Software<\/a> \u2014 It\u2019s free! Payment reminders and invoice management will help keep your admin simple so you can focus on keeping your business running.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-2-lack-of-profitability\" class=\"wp-block-heading\"><strong>2. Lack of profitability<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Revenue does not equal profit, and profit does not guarantee positive cash flow. Although many businesses can generate impressive sales numbers, they often still operate on razor-thin margins. Small margins leave little room for error or growth.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this cash flow problem:<\/strong> Identify your true profit margins by conducting a thorough cost analysis. Do this for all of your products or services. Afterwards, go through and eliminate or restructure your offers that consistently lead to a loss of money. Focus your marketing efforts on your services&nbsp; with the highest margin and consider raising the prices on work that is not cost efficient, undervalued.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-3-withheld-investment-or-funds\" class=\"wp-block-heading\"><strong>3. Investment or funds withheld<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>When you depend on funding from investors or loan disbursements, any delay in payment can create a serious gap in your cash flow. Banks and investors often withhold portions of promised funding based on performance milestones or changes in market conditions.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this cash flow problem:<\/strong> Always request 25% more funding than what your projections indicate you will need. This gives you a bit of room for buffer that helps cover any unexpected delays or shortfalls. Maintain relationships and get funding from multiple sources rather than relying on a single investor or lender.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-4-tax-filing-complications\" class=\"wp-block-heading\"><strong>4. Complications with tax filing<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Tax obligations don&#8217;t disappear when cash is tight. When you fail to plan for these quarterly payments, you can bump into some nasty cash crunches. The IRS charges both penalties and interest on late payments. These only compound the consequences of cash flow problems.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> To be safe, you should always set aside 20-30% of revenue in a separate tax account throughout the year. Work with a tax professional to estimate quarterly obligations accurately. Consider making estimated payments slightly higher than required to avoid year-end surprises.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-5-undervalued-products-or-services\" class=\"wp-block-heading\"><strong>5. Undervalued products or services<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>In industries like construction, cash flow problems can arise from pricing your offerings too low. At first, these practices might attract more customers, but it creates unsustainable cash flow patterns that prevent business growth and adequate cash reserves.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this cash flow problem:<\/strong> Research competitor pricing and industry standards for similar services. Calculate your true cost of delivery including overhead, materials, and a reasonable profit margin. Test price increases with new clients before applying them across your entire customer base.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-6-scope-creep\" class=\"wp-block-heading\"><strong>6. Scope creep<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Projects can sometimes expand beyond your original agreements. Without adjusting the payment to correspond with these rising costs, they can drain resources and stretch your cash flow thin. This problem is particularly common with contractors and service providers working on fixed-price contracts.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Dealing with cash flow problems begins by defining project scope clearly in written contracts before any work begins. Establish procedures for changing orders that require the approval of the client for additional work done. Set prices for these changes in a fair but firm way. Your time and expertise have value!<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-7-use-of-old-equipment\" class=\"wp-block-heading\"><strong>7. Use of old equipment<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>One of the less obvious reasons for cash flow problems can be continuing to use outdated eqipment. Outdated equipment breaks down more frequently, is inefficient, and requires expensive emergency repairs that puts a strain on your cash flow. Equipment that fails can also cause a delay in the completion of your project, further impacting your revenue.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Create a schedule for replacing equipment based on the age, usage, and maintenance costs of the eqipment you use. Consider options for leasing expensive tools that need to be updated regularly. Make the maintenance of your equipment part of your pricing to fund repairs and replacements before they become a bigger issue that impacts your cash flow..<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-8-debt-payments\" class=\"wp-block-heading\"><strong>8. Debt payments<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Excessive debt service payments can consume your available cash flow very fast, leaving little room for operations or investments in growth. Monthly loan payments in high amounts become even more problematic during periods when business is slow, making yours a business with cash flow problems.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Review all of your existing debt and explore options for refinancing for loans with high interest rates or short repayment terms. Consider debt consolidation to reduce your monthly loan payment amounts, because they are one of the bigest reasons for cash flow problems. And last, but not least, avoid taking on additional debt unless it directly generates revenue that exceeds the costs of borrowing.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-9-expensive-borrowing\" class=\"wp-block-heading\"><strong>9. Expensive borrowing<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Financing options with high interest, for example merchant cash advances or short-term business loans can lead to cash flow problems in a business. They create cycles where borrowing costs consume increasingly larger portions of revenue.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> A solution to this company cash flow problem is to build business credit to qualify for lower-interest financing options. Establish relationships with banks and credit unions that offer competitive small business lending rates. Explore alternative financing like invoice factoring for immediate cash needs.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-10-poor-inventory-management\" class=\"wp-block-heading\"><strong>10. Poor inventory management<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Carrying too much inventory can also lead to problems with cash flow. It ties up all of your funds in products that aren&#8217;t selling, while having too little inventory leads to missed sales opportunities and customers who are disappointed.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Use software for inventory management. This is software that tracks product movement and identifies products that are slow-sellers. Use just-in-time (JIT) ordering for non-essential items. Negotiate consignment arrangements with your suppliers whenever possible to reduce the upfront costs of maintainging your inventory.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-77252 size-full\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/cash-flow-problem-small-business-owner-excess-inventory.jpg\" alt=\"Cash flow problem example: excess inventory in a small business\" width=\"1000\" height=\"527\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/cash-flow-problem-small-business-owner-excess-inventory.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/cash-flow-problem-small-business-owner-excess-inventory-300x158.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/cash-flow-problem-small-business-owner-excess-inventory-768x405.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/cash-flow-problem-small-business-owner-excess-inventory-710x374.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:image {\"id\":77252,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"className\":\"is-style-rounded\"} --><\/p>\n<p><!-- \/wp:image --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-11-improper-accounting\" class=\"wp-block-heading\"><strong>11. Improper accounting<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Inaccurate bookkeeping practices prevent you as a business owner from understanding your true position financially. This makes it impossible to anticipate and prevent business cash flow problems before they become critical.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this cash flow problem:<\/strong> Use cloud-based accounting software that automatically categorizes transactions and generates real-time financial reports. Reconcile bank accounts weekly rather than monthly. Consider <a href=\"https:\/\/invoicefly.com\/academy\/hire-a-bookkeeper\/\">hiring a part-time bookkeeper<\/a> if your business volume justifies the expense to see how accounts payable solves cash flow problems.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-12-lack-of-cash-reserves\" class=\"wp-block-heading\"><strong>12. Lack of cash reserves<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Operating without emergency funds means any unexpected expense or revenue shortfall can create immediate cash flow crises. Most financial experts recommend maintaining 3-6 months of operating expenses in reserve.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Start building reserves by setting aside a fixed percentage of revenue each month, even if it&#8217;s only 2-3%. Open a separate business savings account specifically for emergencies. Treat reserve building as a non-negotiable business expense like rent or utilities.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-13-uncontrolled-business-growth\" class=\"wp-block-heading\"><strong>13. Uncontrolled business growth<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Rapid expansion often requires significant upfront investments in inventory, equipment, and staff before the corresponding revenue materializes. <a href=\"https:\/\/quickbooks.intuit.com\/r\/cash-flow\/cash-flow-problems\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">QuickBooks<\/a> reports nearly half of small businesses experience cash flow problems, with many stemming from growth-related challenges.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Dealing with these cash flow problems comes down to creating detailed cash flow projections before pursuing major growth opportunities. Secure adequate financing before expansion rather than hoping revenue will cover costs. Scale gradually to ensure each growth phase is sustainable before moving to the next level.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Tip: To stay ahead, contractors should check out our <a href=\"https:\/\/invoicefly.com\/academy\/contractor-cash-flow-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash flow management tips for contractors<\/a>.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-14-inaccurate-forecasting-or-bookkeeping-practices\" class=\"wp-block-heading\"><strong>14. Inaccurate forecasting or bookkeeping practices<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Poor financial planning and record-keeping make it impossible to predict cash needs accurately, leading to reactive rather than proactive cash management strategies.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>How to solve this problem:<\/strong> Develop monthly and quarterly cash flow forecasts based on historical data and realistic sales projections. You can <a href=\"https:\/\/invoicefly.com\/academy\/how-to-create-financial-projections\/\" target=\"_blank\" rel=\"noreferrer noopener\">learn how to create financial projections<\/a> that help guide your business decisions. Update forecasts regularly as actual results come in, and use the information to adjust spending and collection efforts accordingly.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 id=\"h-why-is-cash-flow-important\" class=\"wp-block-heading\"><strong>Why is cash flow important?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Cash flow serves as your business&#8217;s financial lifeline, determining whether you can meet immediate obligations like payroll, rent, and supplier payments. Unlike profit, which can be tied up in accounts receivable or inventory, cash flow represents the actual money available for operations.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>According to <a href=\"https:\/\/www.cbinsights.com\/research\/report\/startup-failure-reasons-top\/\" target=\"_blank\" rel=\"noreferrer noopener\">CB Insights<\/a> 38% of startups failed because they ran out of cash or couldn&#8217;t raise new capital. Strong cash flow provides the flexibility to take advantage of growth opportunities, weather economic downturns, and maintain good relationships with suppliers and employees.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Businesses with positive cash flow also enjoy better credit ratings, making it easier to secure favorable loan terms when needed. This financial stability creates a virtuous cycle where strong cash flow enables better business decisions, which in turn generate more reliable cash flow.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The cash flow framework you adopt will determine whether your business simply survives or has the flexibility to thrive.<\/p>\n<p>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"88961\" class=\"elementor elementor-88961\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d7428 e-flex e-con-boxed e-con e-parent\" data-id=\"b0d7428\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28b6e34 e-con-full e-flex e-con e-child\" data-id=\"28b6e34\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a80568f e-con-full e-flex e-con e-child\" data-id=\"a80568f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1feff4 elementor-widget elementor-widget-heading\" data-id=\"c1feff4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Create and Send Invoices with Invoice Fly<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18c8ebb elementor-widget elementor-widget-text-editor\" data-id=\"18c8ebb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you\u2019re billing clients weekly, monthly, or per project, Invoice Fly helps you create professional invoices, track payments, and stay organized from anywhere.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fac6f51 elementor-align-left elementor-widget__width-auto elementor-mobile-align-left elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"fac6f51\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijg4MzE5IiwidG9nZ2xlIjpmYWxzZX0%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Try it for free &gt;<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89c366b e-con-full e-flex e-con e-child\" data-id=\"89c366b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14efd0d elementor-widget elementor-widget-image\" data-id=\"14efd0d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"997\" height=\"838\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup.webp\" class=\"attachment-large size-large wp-image-82505\" alt=\"invoice fly mobile dashboard\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup.webp 997w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-300x252.webp 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-768x646.webp 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/10\/banner-footer-mockup-710x597.webp 710w\" sizes=\"(max-width: 997px) 100vw, 997px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:image {\"id\":28043,\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"className\":\"is-style-rounded\"} --><\/p>\n<p><!-- \/wp:image --><!-- wp:heading --><\/p>\n<h2 id=\"h-final-thoughts-about-cash-flow-problems\" class=\"wp-block-heading\"><strong>Final thoughts<\/strong> on cash flow problems<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Cash flow problems don&#8217;t have to be inevitable. Understanding the reasons for cash flow problems in a business, identifying potential issues early, and implementing solutions systematically with <a href=\"https:\/\/invoicefly.com\/academy\/small-business-bookkeeping\/\">small business bookkeeping<\/a> in mind, you can transform cash flow from a constant worry into a competitive advantage. Focus on improving your collection processes, controlling expenses, and building adequate reserves to handle unexpected challenges.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Remember that cash flow management is an ongoing process, not a one-time fix. Regular monitoring of your <a href=\"https:\/\/invoicefly.com\/academy\/calculate-cash-flow-formula\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash flow formula<\/a> and implementation of proven <a href=\"https:\/\/invoicefly.com\/academy\/contractor-cash-flow-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">contractor cash flow management<\/a> strategies will help ensure your business remains financially healthy through all economic conditions.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The most successful businesses treat cash flow management as seriously as they treat customer service or product quality. With the right systems and discipline, you can build a business that not only survives cash flow challenges but thrives despite them.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Need an invoicing solution for your small business? Try Invoice Fly&#8217;s Invoice <a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\">Invoicing Software<\/a> \u2014 It&#8217;s free!<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58e0c53 e-flex e-con-boxed e-con e-parent\" data-id=\"58e0c53\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1412f1a elementor-widget elementor-widget-heading\" data-id=\"1412f1a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs about cash-flow problems small buisnesses &amp; contractors face<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3d08cb e-flex e-con-boxed e-con e-parent\" data-id=\"d3d08cb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5fcf10 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-accordion\" data-id=\"a5fcf10\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a5550eb00432\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-a5fcf10\">\n                        <a href=\"#collapse-8065b3c6a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8065b3c6a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-8065b3c6a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">1. What are examples of cash flow problems? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8065b3c6a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Common examples include late client payments, excessive inventory carrying costs, high debt service payments, unexpected equipment repairs, and seasonal revenue fluctuations that don't align with fixed expenses.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-a5fcf10\">\n                        <a href=\"#collapse-84be3846a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-84be3846a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-84be3846a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What are the five main causes of cash flow problems?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-84be3846a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">The primary causes are delayed customer payments, insufficient profit margins, poor expense control, inadequate cash reserves, and inaccurate financial forecasting that fails to anticipate cash needs.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-a5fcf10\">\n                        <a href=\"#collapse-2fd8f756a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2fd8f756a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-2fd8f756a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">3. What is most likely to cause a cash flow problem? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2fd8f756a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Late or missing client payments represent the most frequent cause of cash flow problems for small businesses, as they directly impact the money available for daily operations.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-a5fcf10\">\n                        <a href=\"#collapse-3dfd3126a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3dfd3126a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-3dfd3126a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">4. How do I fix my cash flow? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3dfd3126a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-3-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Start by improving your collection processes and tightening payment terms. Reduce unnecessary expenses and build cash reserves systematically. Implement better <\/span><a href=\"https:\/\/invoicefly.com\/academy\/cash-flow-projection\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">cash flow projection<\/span><\/a><span style=\"font-weight: 400\"> practices to anticipate problems before they occur.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-a5fcf10\">\n                        <a href=\"#collapse-7e8e20d6a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7e8e20d6a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-7e8e20d6a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What are four ways a business can improve cash flow? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7e8e20d6a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-4-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Four proven methods are: accelerating customer payments through better invoicing and collection practices, negotiating extended payment terms with suppliers, reducing inventory levels to free up tied capital, and implementing <\/span><a href=\"https:\/\/invoicefly.com\/academy\/accrual-basis-accounting\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">accrual basis accounting<\/span><\/a><span style=\"font-weight: 400\"> for better financial visibility.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-a5fcf10\">\n                        <a href=\"#collapse-aa5161f6a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-aa5161f6a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-aa5161f6a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">6. What is the cash flow formula?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-aa5161f6a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-5-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">The basic cash flow formula is: Cash Flow = Cash Inflows - Cash Outflows. For more detailed analysis, visit our <\/span><a href=\"https:\/\/invoicefly.com\/academy\/calculate-cash-flow-formula\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">cash flow formula guide<\/span><\/a><span style=\"font-weight: 400\"> that explains operating, investing, and financing cash flows.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-a5fcf10\">\n                        <a href=\"#collapse-5f07aea6a5550eb00432\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5f07aea6a5550eb00432\" aria-expanded=\"true\" aria-controls=\"Collapse-5f07aea6a5550eb00432\">\n                            \n                            <span class=\"ekit-accordion-title\">7. How to check if your cash flow is correct? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5f07aea6a5550eb00432\" class=\" show collapse\" aria-labelledby=\"primaryHeading-6-a5fcf10\" data-parent=\"#accordion-6a5550eb00432\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Regularly reconcile your cash flow statements with bank records and compare actual results to your forecasts. Look for unexplained discrepancies and ensure all cash movements are properly categorized and recorded.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. What are examples of cash flow problems? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Common examples include late client payments, excessive inventory carrying costs, high debt service payments, unexpected equipment repairs, and seasonal revenue fluctuations that don't align with fixed expenses.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. What are the five main causes of cash flow problems?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">The primary causes are delayed customer payments, insufficient profit margins, poor expense control, inadequate cash reserves, and inaccurate financial forecasting that fails to anticipate cash needs.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. What is most likely to cause a cash flow problem? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Late or missing client payments represent the most frequent cause of cash flow problems for small businesses, as they directly impact the money available for daily operations.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"4. How do I fix my cash flow? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Start by improving your collection processes and tightening payment terms. Reduce unnecessary expenses and build cash reserves systematically. Implement better <\/span><a href=\\\"https:\/\/invoicefly.com\/academy\/cash-flow-projection\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><span style=\\\"font-weight: 400\\\">cash flow projection<\/span><\/a><span style=\\\"font-weight: 400\\\"> practices to anticipate problems before they occur.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"5. What are four ways a business can improve cash flow? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Four proven methods are: accelerating customer payments through better invoicing and collection practices, negotiating extended payment terms with suppliers, reducing inventory levels to free up tied capital, and implementing <\/span><a href=\\\"https:\/\/invoicefly.com\/academy\/accrual-basis-accounting\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><span style=\\\"font-weight: 400\\\">accrual basis accounting<\/span><\/a><span style=\\\"font-weight: 400\\\"> for better financial visibility.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"6. What is the cash flow formula?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">The basic cash flow formula is: Cash Flow = Cash Inflows - Cash Outflows. For more detailed analysis, visit our <\/span><a href=\\\"https:\/\/invoicefly.com\/academy\/calculate-cash-flow-formula\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><span style=\\\"font-weight: 400\\\">cash flow formula guide<\/span><\/a><span style=\\\"font-weight: 400\\\"> that explains operating, investing, and financing cash flows.<\/span><\/p>\"}},{\"@type\":\"Question\",\"name\":\"7. How to check if your cash flow is correct? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Regularly reconcile your cash flow statements with bank records and compare actual results to your forecasts. Look for unexplained discrepancies and ensure all cash movements are properly categorized and recorded.<\/span><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>For small businesses and contractors, cash flow problems can quickly spiral into missed payments, delay in projects, and cash flow problems can even lead to business failure. From late client payments to poor inventory management, knowing how to spot and fix these issues is incredibly important.&nbsp; In this guide, we\u2019ll cover 14 of the most [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":77450,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[158,156],"tags":[],"ppma_author":[100],"class_list":["post-77245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-management","category-manage-your-business","author-jennifer-allerson"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cash Flow Problems: 14 Common Issues Small Businesses Face<\/title>\n<meta name=\"description\" content=\"Discover common cash flow problems small businesses and contractors face, including reasons, early warning signs, and how to deal with them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/invoicefly.com\/es\/academia\/problemas-de-liquidez\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"14 Common Cash Flow Problems Small Business &amp; Contractors Face\" \/>\n<meta property=\"og:description\" content=\"Discover common cash flow problems small businesses and contractors face, including reasons, early warning signs, and how to deal with them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/invoicefly.com\/es\/academia\/problemas-de-liquidez\/\" \/>\n<meta property=\"og:site_name\" content=\"Invoice Fly\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/invoiceflyapp\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-29T08:15:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T19:57:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1552\" \/>\n\t<meta property=\"og:image:height\" content=\"1034\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Jennifer Allerson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jennifer Allerson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\"},\"author\":{\"name\":\"Jennifer Allerson\",\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/person\/364a995769dcba978dfe39d140c60023\"},\"headline\":\"14 Common Cash Flow Problems Small Business &amp; Contractors Face\",\"datePublished\":\"2025-08-29T08:15:16+00:00\",\"dateModified\":\"2026-03-10T19:57:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\"},\"wordCount\":2684,\"publisher\":{\"@id\":\"https:\/\/invoicefly.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp\",\"articleSection\":[\"Financial Management\",\"Manage your business\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\",\"url\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\",\"name\":\"Cash Flow Problems: 14 Common Issues Small Businesses Face\",\"isPartOf\":{\"@id\":\"https:\/\/invoicefly.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp\",\"datePublished\":\"2025-08-29T08:15:16+00:00\",\"dateModified\":\"2026-03-10T19:57:34+00:00\",\"description\":\"Discover common cash flow problems small businesses and contractors face, including reasons, early warning signs, and how to deal with them.\",\"breadcrumb\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage\",\"url\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp\",\"contentUrl\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp\",\"width\":1552,\"height\":1034,\"caption\":\"14 Common Cash Flow Problems\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Invoice Fly\",\"item\":\"https:\/\/invoicefly.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Manage your business\",\"item\":\"https:\/\/invoicefly.com\/academy\/category\/manage-your-business\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"14 Common Cash Flow Problems Small Business &amp; Contractors Face\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/invoicefly.com\/#website\",\"url\":\"https:\/\/invoicefly.com\/\",\"name\":\"Invoice Fly\",\"description\":\"The Best Invoice App\",\"publisher\":{\"@id\":\"https:\/\/invoicefly.com\/#organization\"},\"alternateName\":\"Invoice Fly\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/invoicefly.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/invoicefly.com\/#organization\",\"name\":\"Invoice Fly\",\"alternateName\":\"Invoice Fly\",\"url\":\"https:\/\/invoicefly.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2023\/09\/invoice-fly-logo.png\",\"contentUrl\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2023\/09\/invoice-fly-logo.png\",\"width\":524,\"height\":113,\"caption\":\"Invoice Fly\"},\"image\":{\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/invoiceflyapp\/\",\"https:\/\/www.instagram.com\/invoiceflyapp\/\",\"https:\/\/www.tiktok.com\/@invoicefly\",\"https:\/\/www.youtube.com\/channel\/UCS20FuF4lzTotiD3cOHKYTg\"],\"description\":\"Invoice Fly helps you send estimates & invoices, collect credit card and online payments fast, build reports, track expenses, organize your clients and items and run your home service business with ease.\\u2028\",\"legalName\":\"Invoice Fly\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/person\/364a995769dcba978dfe39d140c60023\",\"name\":\"Jennifer Allerson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/person\/image\/445d9317a5b790de0339c6f0a6d61946\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=blank&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=blank&r=g\",\"caption\":\"Jennifer Allerson\"},\"description\":\"Jennifer Allerson is a Senior Copywriter specialising in business, finance and UX content, and the writer behind Invoice Fly Academy's guides on contracts, invoicing, estimates and pricing for contractors. She has spent more than ten years turning complex business and financial topics into clear, practical advice for small business owners. Copywriter for global brands including Nespresso, San Pellegrino and SEAT, through Ogilvy Former VP of Brand &amp; Communications at Qustodio and Head of Communications at Fon Fintech experience as UX writer for Juni, a B2B financial platform Taught UX Writing at the Barcelona Technology School (University of Barcelona) Former Accenture programmer \u00b7 MBA, Stockholm School of Economics Every guide Jennifer writes is researched from primary sources and reviewed under the Invoice Fly editorial policy. Connect with her on LinkedIn or at jenallerson.com.\",\"sameAs\":[\"https:\/\/www.jenallerson.com\",\"https:\/\/www.linkedin.com\/in\/jenallerson\/\"],\"gender\":\"Female\",\"award\":[\"MBA in Marketing & Economics\",\"Stockholm School of Economics\",\"Sweden (Graduated 2010) Bachelor of Applied Science in Business Administration\",\"University of Illinois\",\"USA (Graduated in Top 10%\",\"2006) Professional Certifications: UX Writing Certification (2020) SEO and ASO Optimization Certification (2019) Content Strategy and Localization Training (2018)\"],\"knowsAbout\":[\"Creative Copywriting: Crafting brand messaging for ads\",\"websites\",\"blogs\",\"product descriptions\",\"social posts\",\"and scripts that inspire action. UX Writing: Developing intuitive microcopy\",\"onboarding flows\",\"and in-app messaging for seamless user experiences. SEO\/ASO Copywriting: Writing optimized content for websites\",\"blogs\",\"and app store descriptions to boost rankings and conversions. CRM Copywriting: Creating personalized emails\",\"SMS\",\"and in-app notifications to nurture customer relationships. Ghostwriting: Producing thought-leadership content for LinkedIn\",\"X\",\"Forbes\",\"and blogs that reflect client expertise. Transcreation & Localization: Adapting content for US\",\"UK\",\"and European markets in English\",\"Spanish\",\"Catalan\",\"and French. Content Strategy: Aligning content with business goals\",\"user journeys\",\"and brand identity for maximum impact.\"],\"knowsLanguage\":[\"English\",\"Spanish\"],\"jobTitle\":\"Senior Copywriter and Content Strategist\",\"worksFor\":\"Senior Copywriter and Content Strategist\",\"url\":\"https:\/\/invoicefly.com\/es\/academy\/author\/jennifer-allerson\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Problemas de tesorer\u00eda: 14 problemas habituales de las peque\u00f1as empresas","description":"Descubra los problemas habituales de tesorer\u00eda a los que se enfrentan las peque\u00f1as empresas y los contratistas, incluidos los motivos, las se\u00f1ales de alerta y c\u00f3mo solucionarlos.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/invoicefly.com\/es\/academia\/problemas-de-liquidez\/","og_locale":"es_ES","og_type":"article","og_title":"14 Common Cash Flow Problems Small Business &amp; Contractors Face","og_description":"Discover common cash flow problems small businesses and contractors face, including reasons, early warning signs, and how to deal with them.","og_url":"https:\/\/invoicefly.com\/es\/academia\/problemas-de-liquidez\/","og_site_name":"Invoice Fly","article_publisher":"https:\/\/www.facebook.com\/invoiceflyapp\/","article_published_time":"2025-08-29T08:15:16+00:00","article_modified_time":"2026-03-10T19:57:34+00:00","og_image":[{"width":1552,"height":1034,"url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp","type":"image\/webp"}],"author":"Jennifer Allerson","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Jennifer Allerson","Tiempo de lectura":"13 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#article","isPartOf":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/"},"author":{"name":"Jennifer Allerson","@id":"https:\/\/invoicefly.com\/#\/schema\/person\/364a995769dcba978dfe39d140c60023"},"headline":"14 Common Cash Flow Problems Small Business &amp; Contractors Face","datePublished":"2025-08-29T08:15:16+00:00","dateModified":"2026-03-10T19:57:34+00:00","mainEntityOfPage":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/"},"wordCount":2684,"publisher":{"@id":"https:\/\/invoicefly.com\/#organization"},"image":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage"},"thumbnailUrl":"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp","articleSection":["Financial Management","Manage your business"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/","url":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/","name":"Problemas de tesorer\u00eda: 14 problemas habituales de las peque\u00f1as empresas","isPartOf":{"@id":"https:\/\/invoicefly.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage"},"image":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage"},"thumbnailUrl":"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp","datePublished":"2025-08-29T08:15:16+00:00","dateModified":"2026-03-10T19:57:34+00:00","description":"Descubra los problemas habituales de tesorer\u00eda a los que se enfrentan las peque\u00f1as empresas y los contratistas, incluidos los motivos, las se\u00f1ales de alerta y c\u00f3mo solucionarlos.","breadcrumb":{"@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/invoicefly.com\/academy\/cash-flow-problems\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#primaryimage","url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp","contentUrl":"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/08\/9-Common-Cash-Flow-Problems3.webp","width":1552,"height":1034,"caption":"14 Common Cash Flow Problems"},{"@type":"BreadcrumbList","@id":"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Invoice Fly","item":"https:\/\/invoicefly.com\/"},{"@type":"ListItem","position":2,"name":"Manage your business","item":"https:\/\/invoicefly.com\/academy\/category\/manage-your-business\/"},{"@type":"ListItem","position":3,"name":"14 Common Cash Flow Problems Small Business &amp; Contractors Face"}]},{"@type":"WebSite","@id":"https:\/\/invoicefly.com\/#website","url":"https:\/\/invoicefly.com\/","name":"Invoice Fly","description":"La Mejor App de Facturaci\u00f3n","publisher":{"@id":"https:\/\/invoicefly.com\/#organization"},"alternateName":"Invoice Fly","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/invoicefly.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/invoicefly.com\/#organization","name":"Invoice Fly","alternateName":"Invoice Fly","url":"https:\/\/invoicefly.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/invoicefly.com\/#\/schema\/logo\/image\/","url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2023\/09\/invoice-fly-logo.png","contentUrl":"https:\/\/invoicefly.com\/wp-content\/uploads\/2023\/09\/invoice-fly-logo.png","width":524,"height":113,"caption":"Invoice Fly"},"image":{"@id":"https:\/\/invoicefly.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/invoiceflyapp\/","https:\/\/www.instagram.com\/invoiceflyapp\/","https:\/\/www.tiktok.com\/@invoicefly","https:\/\/www.youtube.com\/channel\/UCS20FuF4lzTotiD3cOHKYTg"],"description":"Invoice Fly te ayuda a enviar presupuestos y facturas, cobrar tarjetas de cr\u00e9dito y pagos en l\u00ednea r\u00e1pidamente, generar informes, rastrear gastos, organizar tus clientes y art\u00edculos y administrar tu negocio de servicios del hogar con facilidad.","legalName":"Invoice Fly"},{"@type":"Person","@id":"https:\/\/invoicefly.com\/#\/schema\/person\/364a995769dcba978dfe39d140c60023","name":"Jennifer Allerson","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/invoicefly.com\/#\/schema\/person\/image\/445d9317a5b790de0339c6f0a6d61946","url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=blank&r=g","caption":"Jennifer Allerson"},"description":"Jennifer Allerson es redactora s\u00e9nior especializada en contenidos de negocios, finanzas y experiencia de usuario (UX), y es la autora de las gu\u00edas de Invoice Fly Academy sobre contratos, facturaci\u00f3n, presupuestos y fijaci\u00f3n de precios para aut\u00f3nomos. Lleva m\u00e1s de diez a\u00f1os convirtiendo temas complejos de negocios y finanzas en consejos claros y pr\u00e1cticos para propietarios de peque\u00f1as empresas. Redactora para marcas internacionales como Nespresso, San Pellegrino y SEAT, a trav\u00e9s de Ogilvy. Exvicepresidenta de Marca y Comunicaci\u00f3n en Qustodio y directora de Comunicaci\u00f3n en Fon. Experiencia en fintech como redactora de UX para Juni, una plataforma financiera B2B. Ha impartido clases de redacci\u00f3n de UX en la Escuela de Tecnolog\u00eda de Barcelona (Universidad de Barcelona). Antigua programadora en Accenture \u00b7 MBA por la Escuela de Econom\u00eda de Estocolmo. Todas las gu\u00edas que escribe Jennifer se basan en fuentes primarias y se revisan siguiendo la pol\u00edtica editorial de Invoice Fly. Con\u00e9ctate con ella en LinkedIn o en jenallerson.com.","sameAs":["https:\/\/www.jenallerson.com","https:\/\/www.linkedin.com\/in\/jenallerson\/"],"gender":"Female","award":["MBA in Marketing & Economics","Stockholm School of Economics","Sweden (Graduated 2010) Bachelor of Applied Science in Business Administration","University of Illinois","USA (Graduated in Top 10%","2006) Professional Certifications: UX Writing Certification (2020) SEO and ASO Optimization Certification (2019) Content Strategy and Localization Training (2018)"],"knowsAbout":["Creative Copywriting: Crafting brand messaging for ads","websites","blogs","product descriptions","social posts","and scripts that inspire action. UX Writing: Developing intuitive microcopy","onboarding flows","and in-app messaging for seamless user experiences. SEO\/ASO Copywriting: Writing optimized content for websites","blogs","and app store descriptions to boost rankings and conversions. CRM Copywriting: Creating personalized emails","SMS","and in-app notifications to nurture customer relationships. Ghostwriting: Producing thought-leadership content for LinkedIn","X","Forbes","and blogs that reflect client expertise. Transcreation & Localization: Adapting content for US","UK","and European markets in English","Spanish","Catalan","and French. Content Strategy: Aligning content with business goals","user journeys","and brand identity for maximum impact."],"knowsLanguage":["English","Spanish"],"jobTitle":"Senior Copywriter and Content Strategist","worksFor":"Senior Copywriter and Content Strategist","url":"https:\/\/invoicefly.com\/es\/academy\/author\/jennifer-allerson\/"}]}},"authors":[{"term_id":100,"user_id":7,"is_guest":0,"slug":"jennifer-allerson","display_name":"Jennifer Allerson","avatar_url":{"url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/07\/jennifer-allerson-profile.webp","url2x":"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/07\/jennifer-allerson-profile.webp"},"author_category":"1","first_name":"Jennifer","last_name":"Allerson","user_url":"https:\/\/www.jenallerson.com","job_title":"Senior Copywriter","description":"<strong>Jennifer Allerson es redactora s\u00e9nior especializada en contenidos sobre negocios, finanzas y experiencia de usuario (UX), y es la autora de las gu\u00edas de Invoice Fly Academy sobre contratos, facturaci\u00f3n, presupuestos y fijaci\u00f3n de precios para aut\u00f3nomos.<\/strong> Lleva m\u00e1s de diez a\u00f1os convirtiendo temas empresariales y financieros complejos en consejos claros y pr\u00e1cticos para los propietarios de peque\u00f1as empresas.\r\n\r\n<ul>\r\n<li>Redactor publicitario para marcas internacionales, entre las que se incluyen <strong>Nespresso, San Pellegrino y SEAT<\/strong>, a trav\u00e9s de Ogilvy<\/li>\r\n<li>Antiguo <strong>Vicepresidente de Marca y Comunicaci\u00f3n en Qustodio<\/strong> y responsable de comunicaci\u00f3n de Fon<\/li>\r\n<li>Experiencia en fintech como <strong>Redactor de UX para Juni<\/strong>, una plataforma financiera B2B<\/li>\r\n<li>Impart\u00ed clases de redacci\u00f3n UX en la <strong>Escuela de Tecnolog\u00eda de Barcelona<\/strong> (Universidad de Barcelona)<\/li>\r\n<li>Antiguo programador de Accenture \u00b7 <strong>MBA, Escuela de Econom\u00eda de Estocolmo<\/strong><\/li>\r\n<\/ul>\r\n\r\nTodas las gu\u00edas que escribe Jennifer se basan en fuentes primarias y se revisan seg\u00fan los <a href=\"https:\/\/invoicefly.com\/es\/politica-editorial\/\">Pol\u00edtica editorial de Invoice Fly<\/a>. Sigue a ella en <a href=\"https:\/\/www.linkedin.com\/in\/jenallerson\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a> o en <a href=\"https:\/\/www.jenallerson.com\" target=\"_blank\" rel=\"noopener\">jenallerson.com<\/a>."}],"_links":{"self":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/77245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/comments?post=77245"}],"version-history":[{"count":18,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/77245\/revisions"}],"predecessor-version":[{"id":92513,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/77245\/revisions\/92513"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media\/77450"}],"wp:attachment":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media?parent=77245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/categories?post=77245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/tags?post=77245"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/ppma_author?post=77245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}