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What You'll Learn

This section will provide you with a high-level understanding of what drives your cash flow and how to improve it.

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Understand Cash Flow

Current Take: COVID-19

Business as usual has changed as the impact of COVID-19 continues to reverberate through the economy. The uncertainty that faces us can be daunting. However, business owners share traits like resilience, grit and adaptability, and these will go a long way in the coming months. As you've adjusted to changing market conditions, you've undoubtedly dealt with challenges around having the cash you need to continue operating.

Do you know what your biggest sources and uses of cash are? Are you confident you have optimized your cash position? If not, you're not alone. This module will walk you through the foundation on the background you need to know to fill out the interactive Business Cash Flow Tool to your advantage.

Timing is key

  • Cash you receive from selling your product or service does not always come in at the same time as when you need to spend it.
  • Keeping an eye on the trends in your cash flow will help you be prepared for the future.

Why you need cash

  • Cash pays for ingredients and inventory, real estate and utilities, workers and technology.
  • You can’t pay your bills with purchase orders and invoices.
  • Having cash available means you can take new opportunities and manage challenges successfully.

Getting more while using less

  • Evaluate your expenses to decrease your cash outflows.
  • Identify opportunities to increase your revenues through competitor analysis, customer loyalty and acquisition, and improved collections processes.
  • The results could lead to improved cash position and positive impact on profitability.

Now that you know why your cash position is important, you can take the first step in visualizing trends that impact your business by understanding the basics of categorizing your sources and uses of funds.

For Informational/Educational Purposes Only: The author’s views may differ from other employees and departments of JPMorgan Chase & Co. Views and strategies described may not be appropriate for everyone, and are not intended as specific advice/recommendation for any individual. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results.

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