10 practical steps to improve your cash flow before month-end

If you’ve ever worried about making payroll, held off on investing in growth, or felt unclear about where your money’s going—know that you’re not alone.

Cashflow problems are one of the most common (and fixable) hurdles facing businesses today.

In this blog, we’ll share practical and simple ways to improve cashflow, so you can take back control, reduce stress, and feel more confident about your business finances.

When does cashflow become a Challenge for Growing Businesses?

Many business owners think cashflow issues only happen when sales are low. But the reality is, growing businesses often face the biggest challenges.

Here’s why:

You’re spending ahead of earning.

Hiring staff, investing in tools, or ordering supplies often comes before you’ve received payment.

Clients are slow to pay.

Payment terms can be vague, or invoices fall to the bottom of your client’s to-do list.

You don’t know what’s coming in or going out.

Without up-to-date financial information, it’s easy to make decisions that put pressure on your bank balance. Or maybe, you simply fear the numbers.

The good news is that with a few small shifts, you can start creating smoother, more predictable cashflow.

Here are 10 practical ways to improve cashflow from today:

Know Your Numbers

You need to know your numbers. It sounds simple, but many business owners don’t have a clear picture of their income, outgoings, or profit margins.

Start by reviewing:

Your bank statements for the past 3–6 months
What clients owe you (aged receivables)
What you owe others (aged payables)
Your regular fixed costs

This will give you a baseline to work from and help you spot any cash leaks.

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Create a Cashflow Forecast

A cashflow forecast doesn’t need to be complex. A simple spreadsheet showing expected income and expenses over the next 3–6 months can highlight potential shortfalls early—giving you time to act. But remember, cash and profit are two different things.

Tip: Update your forecast monthly, especially if your business is growing or your income is seasonal.

Invoice Promptly and Clearly

Late invoicing = late payments. Make it easy for clients to pay you by:

Sending invoices immediately after work is complete
Including clear payment terms and bank details
Using online invoicing tools, such as Xero, Quickbooks or FreeAgent.

The faster you invoice, the faster you’re likely to be paid.

Shorten Your Payment Terms

If you’re currently offering 30-day terms (or longer), consider tightening this to 7 or 14 days. Many small businesses assume clients will push back—but often they’ll adapt if you explain your policy upfront.

This can significantly reduce the time between completing work and seeing the money in your account.

Follow Up on Overdue Payments

Don’t let unpaid invoices linger. Set a regular time each week or month to review what’s outstanding and follow up promptly. A polite but firm email or phone call is often all it takes.

If chasing payments feels awkward, consider outsourcing credit control or using software such as Xero that automates reminders.

Offer Payment Options

Make it easy for clients to pay you. Offering card payments, direct debits, or instalment plans can reduce friction and get cash into your account faster.

It also demonstrates flexibility and makes you easier to do business with.

Cut Unnecessary Costs

Review your spending every quarter. Are there subscriptions you’re not using? Tools or services that aren’t delivering value?

Cutting even small costs can make a big difference to your cashflow over time—and free up funds for the things that really matter.

Build a Cash Buffer

Aim to set aside 3-6 months’ worth of expenses as a buffer. This takes time, but even a small emergency fund can help you sleep better at night—and avoid cashflow panic during quiet periods or unexpected delays.

Plan for Growth Carefully

Growing a business is exciting—but can also stretch your cashflow to its limits. Before taking on a big new project or hiring, use your cashflow forecast to assess affordability.

Ask yourself: Can I cover the extra costs before the income comes in? If not, consider phased growth or funding options.

Get Expert Help

You don’t need to do it all alone. A good accountant or business advisor can help you set up systems, spot red flags early, and make informed decisions.

Think of it as an investment—not just in better financial management, but in reclaiming your time, reducing stress, and supporting your long-term goals.

Final Thoughts: Cashflow is About Confidence

Improving cashflow isn’t just about numbers—it’s about confidence, clarity, and giving yourself the freedom to grow your business without constant financial stress.

Whether you’re a year in or five years down the line, it’s never too late to get on top of your cash. By making a few small changes, you can create a business that works for you—not the other way around.

And if you’re ready to stop guessing and start planning, we’re here to help. With practical support, friendly advice, and no jargon—we’ll work with you to build a business that not only makes money but supports the lifestyle you dreamed of.

Grab your free copy of our guide: Running a Limited Company