THE SECOND-HALF CASH SQUEEZE
Your business can be profitable and still run short of cash.
Answer 14 plain-English questions about how money actually moves through your business. You'll get a Green / Yellow / Red stress rating, where your cash is getting stuck, and a 12-month action plan.
Start the stress checkAbout 3 minutes · No financial documents
What the check looks at
Profit answers whether the business is economically working. Cash flow answers whether money is available on the day an obligation has to be paid. The check walks through the nine places where those two drift apart.
Cash position
The operating cushion you actually have.
Receivables
How fast delivered work becomes money.
Inventory & materials
Cash committed before the sale.
Payroll
Whether labor is funded by operations.
Vendors & margins
Terms, pricing, and cost drift.
Equipment, marketing & debt
Deferred risk and recurring borrowing.
Warning signs worth a direct conversation
Any one of these may have a reasonable explanation. Several appearing together — or one becoming persistent — deserves a closer look at timing and working capital.
- Cash declining while revenue is stable or growingCash may be tied up in receivables, inventory, or growth.
- Receivables increasing faster than collectionsCustomers are taking longer to convert sales into cash.
- Credit-card utilization risingShort-term operating costs may be migrating to revolving debt.
- Vendor payments getting laterCash may be getting triaged toward payroll and immediate obligations.
- Owner repeatedly injecting personal fundsWorking capital may not be covering recurring timing gaps.
- Repeated short-term borrowing for the same purposeA recurring need may be treated as one-time emergencies.
About Stone Funding Solutions
Stone Funding Solutions is a financial consultant and broker working with national lending relationships to help businesses evaluate a broad range of financing options — term loans, accounts receivable financing, equipment leasing, SBA financing, revenue-based financing, bridge loans, acquisition and real-estate financing, and other specialty structures.
The objective is not to force every business need into one product. It's to understand what the capital is for, how long the need will last, how cash is expected to return, and what repayment structure fits that reality.