Maplevale Credit, a small-business funding service in Johnson City, TN, publishes longer articles for owners weighing a purchase or a refinance: buying a dental practice, buying a boutique, refinancing a business loan and valuing a physical therapy practice. Each uses Washington County, TN Census counts where they help and leaves decisions to funding partners.
How to make a cash flow forecast in Excel
A cash flow forecast in Excel needs three blocks: cash in by week or month, cash out by the same periods, and a running balance. Put each loan payment on its own row so you can see what a new payment does to the balance.
Buying a practice changes every row at once. Read how to buy a dental practice for the acquisition side.
How to improve cash flow in a manufacturing business: notes for Washington County, TN businesses
Manufacturers improve cash flow by shortening the time between buying materials and getting paid: smaller raw-material orders, invoices sent on the day of shipment, and terms that match customers' payment habits. County Business Patterns counted 107 manufacturing employer establishments in Washington County, TN in 2023.
Retail faces the same timing problem with stock. Read how to buy a boutique.
How to improve small business cash flow: what Johnson City, TN owners should check
Small business cash flow improves when money comes in sooner, goes out later, or both: invoice on delivery, follow up on late payers, ask suppliers for terms, and replace expensive short-term debt where the numbers support it.
That last point is its own article: can you refinance a small business loan.
How to create a cash flow forecast in Xero: a short answer for Johnson City, TN
Xero's cash flow tools project from invoices and bills already in the system. A forecast there is only as good as the due dates entered; check that customer terms and supplier terms in the software match the real ones.
Practice owners planning a purchase can read how to value a physical therapy practice.
Construction cash flow forecast: a Johnson City, TN primer
A construction cash flow forecast runs job by job: materials and wages out, draws and retainage in, each on its own dates. Add the jobs together and the gaps show where a line of credit or working capital may be needed. Contractors can also read the construction industry page.
By Maplevale Credit · Updated
