Quick Answer How to Manage Business Cash Flow: A Practical Guide for South African SMEs Cash flow is the timing of money in versus money out – and more small businesses die from bad timing than from low profit. The fix: a simple 13-week cash forecast, deposits on big jobs, strict payment terms, a tax savings account, and a buffer of at least one month of fixed costs. Why profitable businesses run out of cash You pay suppliers and salaries monthly, but customers pay you in 30-60 days (or later). Growth makes it worse: every new job needs cash before it brings money in. That gap is the working capital…