By industry

Finance tools for your kind of business

Each industry moves cash differently. These tools start from how yours works.

Payroll is most of the cost, and it goes out on a fixed day whatever customers do.

Revenue swings with the season. Fixed costs do not.

Recurring plans make revenue steady and easy to forecast.

Membership dues arrive in a few big batches each month.

Rain and cold weeks cut volume fast. Fixed costs stay the same.

Deposits arrive months or a year ahead. They are not profit until the event happens.

Spring is expensive. You hire crews, buy materials and fuel up weeks before the first invoices are paid.

Payroll is most of the cost, and it goes out before clients pay.

Monthly contracts make revenue predictable, which makes a forecast reliable.

Guard wages are most of the cost, and they cannot wait.

Caregiver wages are most of the cost and go out every week.

Per-cut billing follows the grass. A dry month means fewer cuts and less cash.

Tuition paid in advance gives a daycare cash before the care is given.

Card payments arrive in a day or two, so collections are rarely the problem.

Tuition runs on the school-year calendar, with a slower summer.

Summer and month-end weekends carry the year.

Most of the cost is people, and they are paid before the client pays.

Driver pay and fuel go out every week. Client payments come monthly.

Membership drafts bring steady cash, as long as students stay.

Prepaid packages bring cash in before the sessions are taught.

Retail customers pay on the day, so cash comes in fast.