Strong Start to 2026 Starts Here

As we head into the final stretch of the year, it’s easy to focus only on closing out sales, wrapping up projects, and checking off year-end tasks. But if you want to start 2026 strong, now is the time to double down on cash flow management and forecasting. Many large and top businesses I’ve worked with are in the planning stages now figuring out what’s to come. You should too!

Why? Because Q4 is when cash gets squeezed the hardest. Customers delay payments around the holidays, expenses creep higher, and year-end obligations add pressure. Without a clear cash plan, you risk starting the new year already behind. Check out some pointers below!

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Cash flow management isn’t just about keeping the lights on for most businesses, but it’s about ensuring you have the resources to grow and adapt. Pairing this with a solid forecast sets you up to enter January with clarity and confidence instead of stress.

Here are a few practical steps to focus on right now that I can recommend to you to get ahead of others:

• Review Your Receivables Aggressively → Don’t wait until December to collect. Customers slow down over the holidays, so start following up early and often to bring cash in before year-end.

• Tighten Payables and Expenses → Delay nonessential spending and negotiate terms where possible. Protect your reserves now so you have flexibility later.

• Build a 13-Week Cash Flow Forecast → This rolling forecast helps you anticipate shortfalls, spot seasonal trends, and plan investments. It’s short enough to stay accurate, but long enough to show what’s ahead.

• Model Multiple Scenarios → What happens if collections slow, or expenses spike? Forecasting different possibilities gives you options instead of surprises.

• Align With Your Team → Finance, operations, and sales should all understand your cash priorities. Alignment now prevents bottlenecks in January.

Think of cash flow forecasting as your playbook. Instead of guessing, you know exactly where you stand and how to prepare. Entering the new year with cash in hand and a clear forecast doesn’t just reduce stress — it creates opportunities. You’ll be ready to seize growth, invest wisely, and make 2026 your strongest year yet.

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NEW FOR 2025!

I have a high focus helping other vets out there and want you all to succeed, so I created this Skool group below called the Profit Platoon. Would love to have you there!

Contact me if you’d like to network or partner together. I’d love to chat with you more about the services I offer on the side through Guernsey Consulting. If you do not know, I work full time in Treasury Management and do consulting on the side. Would love to chat or network with you about it.

Some of those services are listed below that we can help you with!