Protect payroll
Separate payroll obligations from general operating funds.
Cash-flow planning for owners who need the business and household to survive together.
Revenue, payroll, taxes, credit lines and owner distributions are connected. Treating them separately creates avoidable pressure.
Minimum operating reserve3–6 months
Tax set-aside rhythmMonthly
Owner draw policyQuarterly review
Credit line readinessBefore need
Owner playbook
A stable company needs a cash policy before it needs a crisis.
Small businesses often wait until revenue drops to decide what cash is “safe” to spend. A written cash policy makes payroll, taxes, inventory, debt service and distributions easier to manage.
Fund taxes
Move tax cash out of sight before it becomes accidental working capital.
Time draws
Use profit, seasonality and reserve levels to guide owner distributions.