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Alright, we are almost through 2025. Hard to believe honestly and it’s been a fun year writing to all of you. Appreciate those that have stuck with us and are finding value to bring back to their businesses, their team, or company they work for! Let’s keep that rolling into 2026!
AR/AP are the topic of discussion for today’s newsletter.
Most cash flow problems are not caused by lack of sales although that does happen….they are caused by a lack of discipline. When Accounts Receivable and Accounts Payable are managed reactively instead of proactively, cash becomes unpredictable, stress rises, and leadership starts making decisions based on urgency instead of strategy.
I’m looking to help 3-5 businesses in 2026 with those processes. Contact me here [email protected] or go to www.guernseyconsulting.com and setup a call with me. I’m discounting those services 25% to the first 3 that reach out and we setup a game plan.
Small plug here for those who are curious and ready, but aren’t sure how I operate. We can either negotiate to a monthly fee where you have me all month or on a project basis, so hourly. Your call and what best fits YOUR needs.
AR and AP discipline is simply this: knowing when money is supposed to come in, knowing when it must go out, and enforcing rules so neither side surprises you.
Here is what strong discipline looks like and why it matters.
Receivables Must Be Touched Constantly
Invoices do not collect themselves. AR needs daily or weekly review so issues are caught early, not at day 60 or day 90. The longer an invoice sits, the less likely it is to be paid. Discipline means following up before invoices are late, not chasing them once they already are.Payment Terms Must Be Enforced, Not Suggested
Terms only work when they are real. When customers learn they can pay late without consequence, they will. Enforcing terms protects cash and sets expectations that your business takes payment seriously.Cash Must Be Posted Quickly and Accurately
If payments are not posted promptly, AR reports lie. That leads to wasted follow-up, missed issues, and bad decisions. Clean AR starts with clean cash posting.The Hustle: Claude Hacks For Marketers
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Payables Must Be Planned, Not Reactive
Paying vendors whenever an invoice arrives drains cash and creates panic. Discipline means scheduling payments based on priority, cash availability, and agreed terms. Vendors value consistency more than speed.AR and AP Must Work Together
Collecting aggressively while paying blindly creates cash gaps. Paying carefully while ignoring AR creates late payments. Strong businesses coordinate both sides so inflows support outflows.
Let me know if this is helpful, what areas you would want me to focus on and how we can partner closer together in 2026!
Also, find this info helpful? Consider leaving my small business a review please as this really helps me get in front of others!
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