Cash Flow Challenges

Insights on the top cash flow challenges business owners are facing today.

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  • Managing Employees
    Employing Interns
    They often do entry-level tasks, such as clerical work and data entry as well as analytical chores, information-gathering, and communications.
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  • Research & Development
    Small Business IT
    A business that uses a shoebox for cash and a paper ledger to record transactions is almost certainly overdue for an information technology upgrade.
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  • Accelerate Receivables
    Best Practices for Accepting Checks
    Businesses that decide to take customers' checks do need to protect their financial health.
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  • Managing Employees
    Temporary Employees
    Temporary employees can help manage a business's financial resources by reducing the need to employ permanent workers when the workload is low.
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  • Managing Employees
    Benefits of Hiring Older Workers
    Older workers often are characterized as being costly, slower, less motivated, or technologically backward.
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  • Tactics & Insights
    Trading for Services
    A classic example is the traditional idea from frontier farming days of paying a doctor by giving them food or livestock.
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  • Improving Payment Practices
    Running Credit Checks on Customers
    Protect your business from cash flow problems that arise with doing business with customers who may be a poor credit risk.
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  • accelerate Receivables
    Upsell & Cross-sell: Move Inventory to Raise Cash
    Boosting sales is often more within your control than many other tactics to improve your cash flow.
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  • Sales & Marketing
    The Devilish Details of Inventory Management
    The details will come together smoothly to create a powerful, flexible and informative inventory management system.
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  • Tactics & Insights
    Ways to Expand
    Early on, high margins can put your business in your best possible position to grow and over time, the savings generated from low costs can add up.
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  • Managing Employees
    Be the Boss that Employees Love
    There are some underlying causes for why team members feel frustrated and begin to distance themselves from their work. One involves drudgery.
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  • Research & Development
    Leverage Online Platforms
    If you have an online sales business, give these four online platforms a good look.
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  • Sales & Marketing
    Boost Sales with Content Marketing
    Content marketing strives to help your customer solve a problem, learn something new, or be entertained.
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  • Research & Development
    Take Physical Inventory
    Taking a physical inventory necessarily involves considerable manual effort—but technology can help.
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  • Research & Development
    Hire an Accountant
    A Certified Public Accountant (CPA) is a highly-trained and licensed professional who can help with preparing financial reports for regulators.
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  • Access to Credit
    A Guide to SBA Loans
    The U.S. Small Business Administration (SBA) can help be the difference-maker in getting the money your business needs.
    SBA Loans
  • Improving Payment Practices
    Are Your Payment Methods Outdated?
    A lean, efficient payment system can help you focus maximum effort and attention on serving your clients.
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  • Tactics & Insights
    Negotiating with Vendors
    Asking the supplier whether the price is the lowest available can result in immediate and ongoing savings.
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  • Access to Credit
    Small Business Loans
    When cash flow shortfalls arise, one way for business owners to stay afloat is by getting a small business loan, line of credit, or working capital loan.
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  • Accelerate Receivables
    Ways to Raise Prices to Help Cash Flow
    A price increase is best done strategically. Make price increases part of your business plan.
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  • Monitor & Project Cash
    When Delaying Purchases Can Boost Cash Flow
    There are goods like IT equipment that can reliably be expected to show significant price declines.
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  • Research & Development
    Should You Hire a CFO?
    CFOs are less concerned with day-to-day accounting work such as handling the ledger and bank accounts—and more involved in strategy.
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  • Monitor & Project Cash
    Is Your Business Ready for an HR Department?
    Recruit new employees, assess the candidates, make employment offers and get new workers on board.
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  • Improving Payment Practices
    Businesses Should Offer More Ways to Pay
    There are more than 200 ways businesses can be paid for products and services worldwide.
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  • Research & Development
    Should You Give Yourself a Raise?
    Initially, many small business owners receive no salary. However, as the business grows and becomes profitable, owners start taking money back.
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  • managing employees
    Restaurant Teams: Think Like Cost-Conscious Execs
    You need a financial plan that protects the future of your business while preventing as much risk as possible.
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  • Sales & Marketing
    Negative Customer Reviews
    You don't want to encourage bad reviews, but getting one isn't the end of the world—as long as you handle the situation professionally.
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  • Improving Payment Practices
    Zero-Based Budgeting
    Basically, the department's budget starts at zero dollars. You examine every line item and program and justify every dollar spent.
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  • tactics & insights
    Inventory Reduction
    Daily deal and flash sale sites can be a great way for consumer-facing businesses to quickly turn excess inventory into revenue.
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  • Access to Credit
    Cash Infusions
    How lines of credit and business loans can be leveraged to help your growing business
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  • research & development
    Expanding a Business from Online to Brick-&-Mortar
    With so many great deals online, who still needs to shop in the real world?
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  • Managing Employees
    Benefit Options Businesses Can Offer Employees
    Employees who like their jobs will stick around for things other than money.
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  • Tactics & Insights
    How to Boost Sales
    The past few years have seen a recovery in the U.S. economy, but some economists and economic observers are concerned that the U.S. could be at risk for an economic slowdown.
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  • Tactics & Insights
    How Business Interruption Insurance Can Protect Your Cash Flow
    If disaster strikes at your company, your assets may be insured, but what about all that lost business?
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  • Improving Payment Practices
    Don't Pay That Invoice (Yet): Managing Payables
    In the worst case, paying bills early can cause a business to run out of cash and have to borrow—or even cease operations.
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  • Accelerate Receivables
    Why High Accounts Receivable Can Be Bad
    The first thing any business looking at accounts receivable needs to know is the standard for its industry.
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  • Accelerate Receivables
    Improving Cash Flow with Better Pricing Strategies
    Here are a few key pricing strategies to help increase your cash flow.
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  • Research & Development
    Improve Financial Well-Being in 2017
    Every new year is a chance to make a fresh start, end bad habits, improve your investment positions and boost your cash reserves.
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  • Research & Development
    The Downside of Discounting
    Every customer of every business wants to pay less. But if you're a small business owner, cutting prices can have a seriously negative effect.
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  • Tactics & Insights
    What Is Your Business Credit Score?
    Lenders may consider a business owner's personal credit score in addition to the business's credit history.
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  • Tactics & Insights
    Government Help for Veteran Entrepreneurs
    Veterans can receive special guidance, financing assistance, and even lucrative government contracts.
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  • Business Profiles
    Disabled Veterans Leading Successful Ventures
    Military veterans run 9% of the nation's small businesses, generating $1.220 trillion in annual sales.
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  • Tactics & Insights
    Getting Certified as a Veteran-Owned Business
    Becoming a federal contractor starts with getting your business certified as veteran-owned.
    Getting Certified as a Veteran-Owned Business PNC Cash Flow Challenges
  • Accelerate Receivables
    The Perfect Past-Due Letter
    The past-due letter should be in the middle — after emails and phone calls, but before turning the matter over to a collection agency.
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  • Tactics & Insights
    Profit Margins: Why You Need an Annual Review
    Making money is fun. Assessing your profit margins is key, and an annual review is a perfect time to look over those numbers.
    Annual review of profit margins PNC Cash Flow Challenges
  • Tactics & insights
    Managing Inventory Efficiently
    It's about the financial value of the raw materials, finished products and other components
    Managing Inventory Efficiently PNC Cash Flow Challenges
  • managing employees
    What Small Businesses Need to Know About Payroll
    Consider how employees should be classified, what forms you'll need, withholding taxes, etc.
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  • Tactics & Insights
    4 Ways to Escape from a Cash Crunch
    If your customers are slow to pay their bills, it can result in cash flow problems for your business.
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  • managing employees
    Delegate More Effectively
    When you're a small business owner, it's easy to fall into the work-won't-get-done right-unless-I do-it mentality.
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  • Sales & Marketing
    How Text-to-Landline Services Can Help Grow Your Business
    Consumers are likely to text a message, which is quick and relatively unintrusive.
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  • Tactics & Insights
    Start Succession Planning Now
    What happens to your business after you retire, or if you encounter severe illness, disability, or death?
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  • Business Profiles
    Moving Jobs Back to the U.S.
    Ferrara Candy Company shut down two Canadian production facilities and moved 25 million pounds of annual candy production back to the United States.
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  • Tactics & Insights
    Outsourcing Financial Management
    We sat down with Ron Tite (CEO, The Tite Group) and Marcus Sheridan (President, The Sales Lion), to explore their thoughts about outsourcing.
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  • managing employees
    Health Benefits for Part-Timers?
    Younger workers tend to be healthier and, in effect, subsidize health coverage for older workers.
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  • Access to Credit
    Cash or credit? Which is the better fuel?
    To answer the question, begin with a clear picture of what operating cash you need to comfortably run a business.
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  • Access to Credit
    5 Tips for Obtaining a Business Line of Credit
    Compile year-to-date financial statements and business bank statements covering anywhere from six to 24  months.
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  • Monitor & Project Cash
    Forecasting Your Cash Flow
    Even a profitable business can be forced to close its doors if it runs out of cash.
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  • Improving Payment Practices
    Tracking Business Expenses the Efficient Way
    At least 34 percent of active business travelers go off-plan when it comes to adhering to their company's travel expense policy.
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  • Monitor & Project Cash
    How Data Can Help Your Cash Flow
    Financial data can help you create forecasts, identify upcoming cash gaps, spot threats and seize opportunities.
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  • Accelerate Receivables
    When Is It Time to Hire a Collections Firm?
    When all fails, what can you do? Show up at client offices? Small claims court?
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  • Access to Credit
    Maintaining Cash Flow While Paying Off Debts
    If you're relying on big clients or irregular payment cycles, your cash flow can become unpredictable.
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  • Research and Development
    When is the Right Time to Raise Your Prices?
    Are you struggling to keep up with demand? Have you recently received media coverage?
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  • Monitor and Project Cash
    Spirit of the Season
    Make sure that seasonality figures in your cash flow forecasts.
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  • Tactics and Insights
    How to Build a Customer Resource Center in a Day
    An online resource center is your business's own curated content hub.
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  • Access to Credit
    Establishing Credit Early — 3 Guiding Principles
    Establish a solid team of professionals to help you grow — financial advisor, tax accountant and bookkeeper, lawyer.
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  • Access to Credit
    3 Steps to Building Your Credit History
    Lenders look at your personal credit when you apply for a business credit line.
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  • Access to Credit
    Overcoming a Blemish on Your Business's Credit
    A credit report should always be a two-way conversation with reporting agencies.  
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  • Tactics and Insights
    Smart Cash Flow Strategies for Your Next Fiscal Year: Getting Ahead
    Be willing to offer incentives to get as much money in the door as quickly as possible.
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  • Tactics and Insights
    Smart Delegation Strategies for Revenue-Hungry Companies
    Now that you've delegated your financial health to a dedicated team, who's watching them?
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  • Monitor and Project Cash
    Keep an Eye on Cash Flow: Savvy Resources for Growing Businesses
    What benefit would projections offer to your buying, inventory, shipping, payroll and other critical business practices?
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  • Monitor and Project Cash
    Low Cash Flow: A Survival Guide
    If you're finding your business in a cash crunch, why not look to your staple products as a source of cash infusion?
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  • Sales and Marketing
    The Lazarus Effect: Bringing Old Customers Back to Life
    The next-best business prospects are former customers who made at least one purchase, but haven't returned in a while.
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  • Monitor and Project Cash
    Things to Know About Labor Costs
    Business owners need to be prepared to deal with an increase in minimum wage.
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  • Monitor and Project Cash
    How Anticipated Changes in Interest Rates Will Impact your Business
    A clue that the U.S. economy has recovered from the worst damage of the 2007-2009 financial crisis.
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  • Tactics and Insights
    Got Cash? Find Out How to Spend It Wisely
    Buying another business can quickly bulk up a company's products, markets, capabilities, scale and other valuable assets. 
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  • Tactics and Insights
    Can a Social Media Strategy Improve Your Cash Flow?
    The most effective social media strategy might be no social media strategy.  
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  • Tactics and Insights
    Navigating an Unexpected Cash Shortage
    The story of a holistic health food store that fell victim to theft when a hired celebrity guest disappeared with his pre-payment…
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  • Tactics and Insights
    Building a 7-Figure Business
    Recognize your worth and charge accordingly. Find and sign new, larger corporate clients.
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  • Monitor and Project Cash
    Reciprocal Trade Associations and the Benefits of Bartering
    Birmingham Chocolates does 10% of its business through a cash-free barter network.
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  • Monitor and Project Cash
    How to Scale Up and Optimize Your Cash Flow Management Plan
    You can take on too much inventory in the quest to offer the widest possible selection of product.
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  • Managing Employees
    Could Firing the Managers Help Motivate Your Employees?
    The world’s largest tomato processor has 400 full-time employees, $700 million in annual revenue and no bosses.
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  • Monitor and Project Cash
    5 Tips for Organizing Your Business' Cash
    You’ve got options: accountants, virtual assistants, financial advisors and solid bookkeeping.
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  • Financial well-being
    Time to Implement an Employee Retirement Plan?
    As your business grows, you'll want to make sure your employees receive top-notch benefits.
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  • Managing Employees
    Is It Time To Start Paying Your Employees More?
    About one in six business owners plan to raise wages and salaries soon. Another 24% have already done it.
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  • Monitor and Project Cash
    Keeping Your Business Debt in Check
    About one in six business owners plan to raise wages and salaries soon. Another 24% have already done it.
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  • Tactics and Insights
    Getting Your Employees to Feel Engaged and Motivated at Work
    Remember Mike Judge’s movie Office Space? It’s a sad fact of the American workforce that many people don’t like their jobs.
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  • Tactics and Insights
    Will it Fly? Evaluating New Ideas for Your Business
    Evaluate new products' staying power before launching — 55,000 are introduced each year for sale in grocery stores alone.
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  • Sales and Marketing
    Can Certification Help You Bring in More Business?
    There are millions of small businesses in the U.S., but only about 20% are formally certified.
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  • Access to Credit
    A Surprising Lesson Learned About Managing Cash Flow
    Jay Goltz, PNC CFO and New York Times blogger gets honest about the mistake of ignoring fine print.
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  • Sales and Marketing
    Seven Effective Marketing Tools That Don't Cost a Dime

    Paying for advertising, sponsorships, PR firms, trade show participation and SEO help — can your cash flow to support it?

     

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  • Sales and Marketing
    How to Attract Media Attention for Your Business
    Use online sites where you can post press releases and be matched with reporters or radio shows.
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  • Sales and Marketing
    How Small Businesses Can Increase Revenue With Mobile Advertising

    A food vendor should work with Seamless or GrubHub to drive loyalty.

     

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  • Financial Well Being
    Ready to Sell Your Business? Consider a Broker.
    They have more experience than you in negotiating such deals, but most brokers charge 10% of the sales price.
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  • Managing Employees
    Putting the Best Young Talent to Work for You
    Only 29% of millennials believe what they see about employers on social media.
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  • Tactics and Insights
    Disaster Preparedness for Your Business
    How to get external data backup, phone hosting and other contingencies into place
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  • Tactics and Insights
    Top Tools and Apps for Tracking Billable Time
    For accountants, attorneys, plumbers, freelance writers — and many others. Maximize what time you bill to increase your revenue!
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  • Monitor and Project Cash
    4 Biggest Causes of Cash Flow Problems
    We've got the four most common root causes of cash flow problems — as well as the ways to avoid or overcome them.
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  • Tactics and Insights
    Re-thinking Work-life Balance
    It's actually ok to be "out of balance." As long as you are happy and energized, it's your call.
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  • Business Profiles
    Lessons from Entrepreneurs on Risk, Failure, and Self-confidence
    Not all entrepreneurs are technically minded like Bill Gates, or are creative visionaries like Steve Jobs.
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  • Sales and Marketing
    Improve Sales Leads, Improve Revenue
    It's about trade shows, e-mail, online forms and more. The most successful businesses use lead generation.
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  • Sales and Marketing
    What Content Marketing Means
    You're the star. Create YouTube videos, podcasts, infographics, blogs and more.
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  • Tactics and Insights
    Buy vs. Lease?
    Some serious number crunching — for when the cost to lease business space becomes the same as or more than the cost to buy it.
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  • Acccelerate receivables
    Strategies for Collecting on Time and in Full
    Collecting on an invoice that you were prepared to write off is almost like finding money.
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  • Sales and Marketing
    How Customer Loyalty Programs Can Help with Cash Flow
    How do you make customers choose your brand over a competitor's?
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  • Business Profiles
    Work-Life Balance Lessons from a CEO
    It's about giving your family undivided attention and engaging in some fun activities — being better in business as well as in life.
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  • Financial Well Being
    Structuring the Sale of Your Business
    Few business buyers can secure bank loans for a total purchase price. Find out how financing can aid buyer and seller alike.
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  • Business Profiles
    Small Business Leadership Lessons from the World of Sports
    Get inspired by the leadership stories of Pete Carroll, Jurgen Klinsmann, Gregg Popovich and Bob Nutting.
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  • Tactics and Insights
    Working for the Government
    What do computers, oatmeal cookies, and tires have in common? The U.S. Government is the largest buyer of each.
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  • Sales and Marketing
    How Building Customer Loyalty Increases Profitability
    Loyal customers buy more then new ones.
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  • Accelerate Receivables
    Preventing Cash Flow Dips During the Change of Seasons
    Revenue jumps are often followed by periods when cash is scarce.
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  • Accelerate Receivables
    Why Is Cash Flow Becoming a Bigger Problem for Businesses?
    Late payments are increasingly a source of serious concern for business owners.
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  • Tactics and Insights
    The Power of Pricing
    Few business challenges are more perplexing and important than pricing.
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  • Sales and Marketing
    Pros and Cons of Using Social Coupons to Grow Business
    Social couponing sites blast your offer out to their massive subscriber list.
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  • Accelerate Receivables
    4 Biggest Causes of Cash Flow Problems
    The most common root causes of cash flow problems — plus ways to avoid or overcome them.
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  • Accelerate Receivables
    Evaluating Merchant Services Accounts
    How to choose the right merchant services provider for your credit card processing demands.
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  • Managing Employees
    Lessons from Baseball and the NHL
    Learn from the sports world by examining how teams measure employee performance.
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  • Accelerate Receivables
    Delving into Discounts for Getting Paid Promptly
    Are vendor/client discounts worthwhile from a strategic cash flow perspective?
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  • Tactics and Insights
    Delegating Without Breaking the Bank
    It doesn’t cost a fortune to get help, nor do you have to add employees.
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  • Business Profiles
    Ask a VC: What a Venture Capitalist Can Teach Your Business
    Real Q&A with a cofounder of an accomplished venture capital firm
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  • Accelerate Receivables
    Spring Cleaning Your Cash Flow
    Five spring-cleaning steps for sprucing up your accounts receivable approaches
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  • Payables Processing
    Mobile Payments Can Improve Small Business Cash Flow
    New technologies on the market that can help small businesses get paid faster
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  • Tactics and Insights
    Avoid Outgrowing Your Financial Practices
    Everything looks fantastic — on the surface, that is …
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  • Payables Processing
    Good Payment Habits: Time to Look in the Mirror
    Good payment habits are a critical part of effective cash flow management.
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  • Business Profiles
    Steve Satterwhite, CEO of Entelligence
    Entelligence specializes in training consultants who can effectively create and manage data systems.
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  • Sales and Marketing
    Could Popup Shops Increase Cash Flow for Your Business?
    The traditional farmer’s market now has a twist …
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  • Access to Credit
    How Small Businesses Can Ensure Access to Credit
    Survive shortfalls and accelerate growth.
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  • Business Profiles
    3 Small Business Bloggers to Check Out
    When it comes to great business advice, nothing tops going straight to the experts.
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  • Tactics and Insights
    Choosing the Right Suppliers and Maintaining Relationships over Time
    The suppliers you work with are key to your business's success.
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  • Tactics and Insights
    Taxes and Your Business
    The process of filing taxes doesn't have to be painful.
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  • Tactics and Insights
    Take the Bite out of Raising Fees
    All companies struggle with pricing — how much is too much?
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  • Tactics and Insights
    Coping with Unexpected Costs
    Unexpected expenses often derail plans.
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  • Accelerate Receivables
    3 Ways to Get Paid Faster
    There have likely been times when you have looked at your receivables and let out a heavy sigh.
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  • Financial Well Being
    Retirement Tips for Small Business Owners
    What are your retirement plans?
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  • Monitor and Project Cash Flow
    3 Things to Check When Projecting Your Cash Flow
    The rise and fall of a business's account balance is a normal part of the entrepreneurial experience.
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  • Tactics and Insights
    To Hire or Not to Hire?
    You've done it all yourself or with a lean staff for so long.
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  • Payables Processing
    Simple Ways to Improve Your Payment Practices Right Now
    When it comes to profitability, most small businesses focus their attention on making sales and earning revenue.
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  • Important Legal Disclosures and Information

    PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). This article has been prepared for general information purposes by the author who is solely responsible for its contents. The opinions expressed in these articles are those of the author and do not necessarily reflect the opinions of PNC or any of its affiliates, directors, officers or employees. This article is not intended to provide legal, tax or accounting advice or to suggest that you engage in any specific transaction, including with respect to any securities of PNC, and does not purport to be comprehensive. Under no circumstances should any information contained in the presentation, the webinar or the materials presented be used or considered as an offer or commitment, or a solicitation of an offer or commitment, to participate in any particular transaction or strategy or should it be considered legal or tax advice. Any reliance upon any such information is solely and exclusively at your own risk. Please consult your own counsel, accountant or other advisor regarding your specific situation. Neither PNC Bank nor any other subsidiary of The PNC Financial Services Group, Inc., will be responsible for any consequences of reliance upon any opinion or statement contained here, or any omission.  Banking and lending products and services, bank deposit products, and Treasury Management products and services for healthcare providers and payers are provided by PNC Bank, National Association, a wholly owned subsidiary of PNC and Member FDIC. Lending and leasing products and services, including card services and merchant services, as well as certain other banking products and services, may require credit approval.