Cash flow management for small businesses

Maintaining healthy cash flow is now more important than ever. Browse expert resources from Xero to improve your cash flow management.

Understanding cash flow for business

  • What is cash flow?

    We define terms such as ‘cash flow’, ‘liquidity’ and ‘working capital’, and outline how to understand your business’ cash flow projections.

    Understanding business cash flow
  • What is a cash flow statement?

    Cash flow statements provide visibility of upcoming costs and regular outgoings so you can understand the financial health of your business.

    Understanding cash flow statements

  • Simplifying cash flow management

    Cash flow management helps you identify how much money your business needs to cover debts, like paying employees and suppliers.

    Understanding cash flow management
  • How to manage your finances and cash flow

    It's vital to develop a financial plan or framework to keep track of finances coming into and out of your company. Here’s how.

    A guide to finance and cash flow

Tackling unapproved debt

Our report explores the impact of late payments and unapproved debt on small businesses, including how to manage the late payments crisis.

Managing late payments
Tackling unapproved debt PDF

Guides to help you manage business finances

  • How to create a small business budget

    Here’s everything you need to know about creating a small business budget and 'reading' the figures relating to your business.

    A guide to small business budgeting
  • Small business bookkeeping

    An accurate, well-kept set of books is a great start to running a successful business and managing income and outgoings.

    A guide to business bookkeeping
  • Financing your small business

    Sourcing business finance can help maintain healthy cash flow. Learn about the different types of business finance and approaching lenders.

    A guide to small business finance
  • How to get paid faster

    Late payments can have a huge impact on cash flow and financial health. Here’s how to stay on top of invoicing and get paid on time.

    A guide to invoicing

Inflation: What it means for small businesses

Our report breaks down how inflation is impacting the small business community and the steps they can take to stay profitable.

Understanding inflation
Inflation: What is mean for small businesses report

How to foster healthy cash flow with Xero

  • Get a free cash flow forecast template

    We provide you with a free cash flow forecast example and template, along with explaining how to make sense of a cash flow forecast.

    Free cash flow forecast template
  • Get a free cash flow statement template

    Take a look at our free cash flow statement template, along with an example of how to use it and how to pull data from your business.

    Free cash flow statement template
  • Keep track of your cash flow in Xero

    Understanding cash flow is crucial for any business. We’ve created this guide to help you manage your cash flow using Xero.

    Track cash flow with Xero
  • Webinar: Staying on top of your cash flow

    Learn how to improve your business’ financial performance and gain better financial control with Xero’s tools and reports.

    Stay on top of cash flow with Xero

Predict the future with Xero Analytics Plus

Analytics Plus allows businesses to measure their cash flow and financial health, helping you spot opportunities and mitigate risks.

Discover Xero Analytics Plus
Hand holding tablet device which shows increasing graph

Xero’s made a big difference in helping keep my finances organised.

Ade Hassan, founder of Nubian Skin

Owner of Nubian Skin organising clothes in retail store. She uses Xero accounting software.

Managing the stresses of cash flow

Prioritise your wellbeing with free resources on our ‘Brains Behind the Business’ hub, because a healthy business starts with you.

Explore our business wellbeing resources
stresses of cash flow

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