If you’ve ever refreshed your business bank account and wondered, “Where did all the cash go?” — you’re not alone.
For small business owners, managing cash flow can feel like juggling while riding a unicycle. Between payroll, rent, supplies, and those “unexpected” expenses that never seem to stop, it’s easy to see why cash flow management is one of the biggest challenges entrepreneurs face.
But the good news? With the right strategy (and the right financial tools), your money can move with you, not against you.
Think of cash flow as your business’s oxygen. Without it, even profitable companies can struggle to breathe. Studies show that nearly 82% of business failures are due to poor cash flow management.* That’s not because those businesses didn’t have customers — it’s because they didn’t have access to their own cash when they needed it most.
It’s a common story: A contractor waiting on invoices before starting the next project. A café owner paying suppliers upfront before weekend sales roll in. A startup trying to invest in new equipment while covering day-to-day expenses.
Sound familiar? Then you already know — keeping the right balance between income and expenses is everything.
It might sound simple, but having a dedicated business checking account and business savings account helps you stay organized and understand where your money is really going. It also makes tax time less stressful (and your accountant a lot happier).
If your funds are sitting in a regular account, they’re missing an opportunity to grow. A business money market account can help you earn dividends while keeping your funds accessible for unexpected expenses or investment opportunities.
Even the best-run businesses face surprises — equipment breakdowns, seasonal slowdowns, or sudden growth spurts. Having access to flexible financing, like small business equipment loans or a commercial property loan, can help you manage growth or emergencies without draining your reserves.
Clunky payment systems can slow down cash inflows. With modern merchant services for small businesses, you can accept payments faster and more securely — both online and in person — helping money hit your account sooner.
“Healthy cash flow isn’t just about having more money — it’s about knowing where your money is, when you’ll get it, and how to make it work smarter.”
At APCU/Center Parc, we know that small business owners wear a lot of hats — and “cash flow manager” is one of the most important. That’s why we offer flexible solutions designed to keep your business running smoothly. And because we’re member-owned, we reinvest profits back into providing better rates and local service — not into shareholders’ pockets.
The best way to improve cash flow isn’t just about having more revenue — it’s about having the right financial institution. Whether you’re just starting out or ready to grow, APCU/Center Parc can help you build a plan that keeps your business healthy through every season.
Ready to make your money move smarter? Get in touch with ACPU/Center Parc’s Business Services team.
*Source: https://preferredcfo.com/insights/small-business-cash-flow-management-strategies
[1]Eligibility for Business Service Accounts at APCU/Center Parc requires opening a Consumer Primary Savings (Share) Account, which is funded by APCU/Center Parc. To open additional business accounts, you must also establish a Business Savings (Share) Account with a minimum opening deposit of $1 and maintain a daily balance of $50 to earn dividends. All deposit accounts are subject to credit approval and additional terms and conditions. Loan accounts are subject to credit qualifications, and rates may vary based on credit history and underwriting criteria. Not all applicants will qualify. Additional terms and conditions apply.
This credit union is federally insured by the National Credit Union Administration.
APCU/Center Parc is an Equal Housing Opportunity Lender.