A clearer view of business cash pressure before it arrives.
Seasonal Planning
Seasonal businesses survive the slow months by treating the busy season as the funding source for the quiet one: measure the dip, protect a reserve while money is strong, and schedule annual costs where cash can carry them.
Payments
If you pay suppliers in 14 days but your customers pay you in 45, your business funds the gap — every cycle. Here is how to measure your timing gap and the practical ways to narrow it.
Taxes & Remittances
GST/HST remittance deadlines depend on your filing period — monthly, quarterly, or annual. The real risk is not the date, it is spending the tax you collected. Here is the set-aside habit that makes remittance week boring.
Payroll
Payroll is the least flexible payment a business makes — so plan the whole week around it. Map what else lands in payroll week, protect the payroll amount first, and know a month ahead which payrolls are tight.
Cash Flow Basics
Revenue is what you earned. Cash flow is what is actually in the bank on the day a bill is due. The gap between the two is timing — and it is where otherwise profitable Canadian small businesses run short.