Spot It.
Your business has busy months and slow months. During the busy stretch, money comes in and things feel fine. Then the slow season hits, and you are cutting hours, delaying payments or borrowing just to get through. Every year you promise yourself you will save more during the good months, and every year the cushion never quite shows up.
Sight It.
The good months usually fund more spending instead of more savings. Cash that arrives in peak season feels like profit, so it goes to new purchases, owner draws or catching up on old bills. There is no target for how much reserve the business needs and no automatic way to set it aside. Without a seasonal cash plan, the slow months always arrive as a shock.
Solve It.
Build the cushion while times are good:
- Look back at the last two years and work out how much extra cash your slowest stretch required.
- Set a reserve target based on that amount.
- Open a separate savings account for the reserve so it doesn't mix with operating cash.
- During busy months, move a fixed share of each deposit into it automatically.
- Plan slow-season work ahead of time, such as maintenance, training, marketing or offers that bring in off-peak sales.
A cushion built on purpose lets you lead through the slow season instead of just surviving it.
Fixed it yourself? Great. Want help making it stick? Talk to a Troubleshooter.