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Writer's pictureReuben Bergola

The Most Common Mistakes SMEs Make When Managing Finances

Small and medium-sized businesses are currently facing a lot of difficulties. Overhead costs are increasing; supply chains are having issues, high staff turnover, and rising minimum wage. This makes it hard for these businesses to keep up with their everyday expenses. Here are some of the most common you must avoid starting now:


Late Payments


It's frustrating when customers need to pay their invoices on time. This can make it difficult to plan your expenses and prepare an accurate cash flow forecast. Cash flow forecasting is important because it helps you make decisions that keep processes moving in the right direction, so hiring an accountant to do the cash flow forecasting is of the essence.


Speedy Scale


A business that is growing quickly is said to be expanding rapidly. This usually happens when a company is doing well and can invest in new opportunities. Fast expansion can be both good and bad for a company. While it can lead to amazing growth and success, it can also be difficult to manage and put a lot of strain on the company, especially if no financial parameters are set.


Many small businesses in Australia have cash flow problems because they need more money to grow. You need more cash flow to control your working capital requirements. It's important to grow your business, but make sure you have the money, guidelines, and accountant to do it first.


Lack of Inventory Management


Inventory management is the process of tracking and managing stock. Poor inventory management can lead to several problems, including overstocking, understocking, and stockouts.


Overstocking is when a company has too much inventory on hand. This can tie up capital and lead to storage costs. Understocking is when a company lacks inventory to meet customer demand. This can lead to lost sales and lost customers. Stockouts are when a company runs out of inventory of a particular item. This may lead to lost sales and frustrated customers.


Poor inventory management can be costly for a company, meaning you have more inventory than you can sell, tying up your cash. This can cause cash flow problems because you have less money to work with. Additionally, if your inventory becomes outdated, you could be in trouble. It is important to have systems and processes to manage inventory effectively.


Zero Leads


A company without sales leads is not generating any new business and won’t have enough money to cover its expenses. This may happen for several reasons, such as a decrease in demand for the company's products or services or a problem with the company's marketing campaigns.


The company can try to solve this problem by coming up with new marketing ideas, networking, or by hiring new salespeople before converting them into customers.


If solved after some time, zero loads a serious problem. Without new sales, the company won’t grow, cover expenses, pay salaries, and may eventually have to close its doors.


Bottom Line Is This


If your company is having trouble making ends meet, you need to take action fast. One of the best solutions is to reach out to a financial expert to discuss your options for getting more cash flow. With their help, you can develop a plan to get your business the funding it needs to stay afloat and grow.


Get Help from the ECommerce Accountant Now


I’m an accountant from Australia that provides business advise for online stores and influencers to prevent the above mistakes from happening to your SME. Reach out to me through my website and find out how I can help you!


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