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The Working Capital Line of Credit is an essential tool in supporting business growth, which is what we think about when qualifying for the bank commitment. Leverage improves business returns when times are good, but represents a risk that must be managed very carefully when times are not so flush. Too often business owners are surprised when they find that credit limits have been exceeded or covenants have been breached – requiring precipitous action that is likely to compromise customer, supplier or staff relationships.

The Cash Flow Projection is the first thing that your banker will ask about if your business runs into a Line of Credit problem. Creating and utilizing a Cash Flow Projection tool will let you know exactly where you stand, to take pre-emptive steps to assure that cash flow remains positive from week to week and that there are no surprises for you with your lender. Bankers often request 13-week (that is, weekly) projections, as one calendar quarter may be as far into the future as revenue and cost elements may be considered reliable. This is also a horizon for practical action. A Cash Flow Projection contains three basic elements: Revenue translated into collections, expenditures by major supplier or category, and a collateral calculation. Subtract cash out from cash in, weekly, and measure the effect on receivables, inventory and payables to determine well in advance whether business performance will be in compliance with your banking covenants.

Numerous landmark researches have demonstrated that chronic exposure to man made electromagnetic fields and radiation can lead to drastic changes in the normal growth pattern of human cells mastercard cialis online and can certainly damage the cell’s DNA. Safety and privacy for prescription medication buyers Extremely important to know that drug store guarantees the privacy of your own home where he or she can generico levitra on line robertrobb.com concentrate. This helps you to achieve and viagra generika 100mg maintain a hard erection. This viagra professional 100mg pill comes up in the dosage of 100mg. this particular medicine was brought up into existence for curing erectile dysfunction from a man. If you’re well on your way to creating a suitable Cash Reserve, a topic that we will address in a subsequent newsletter, keep monitoring your projection to assure wise use of resources. If the Cash Flow Projection shows that there are unfavorable weekly swings in spending that cannot be managed within the Line of Credit, or that fiscal month-ending results will be out of compliance with covenants, you have an opportunity to take preventive action. Determine whether there are sales opportunities to pursue; accelerate collections. Communicate with key suppliers to obtain special payment terms; cut expenditures. Reduce payroll; move to rolling furloughs, for example, or reduce pay temporarily. Engage with you banker to provide strongest possible assurance that you are taking steps to assure that your borrowing is secure.

For help in setting up a Cash Flow Projection and optimizing your cash flows, contact us at 303-459-4870.

Cogent Strategies provides consulting, but not in the way that many other firms do. We are focused on providing tangible financial results by working hands on, right beside the existing management team. Companies are in a variety of stages of development. The answers are not cookie cutter and the challenges are real, particularly in today’s economic environment. We take a holistic approach with our clients.

We work with clients in three ways to achieve a greater level of success. First we agree to provide a Business Snapshot, a quick view of actions that can be taken to move the business forward. It lasts only a few days and we talk with key management and employees, review the financials, take a look at the key performance indicators used by the team to manage operations, and review product and business strategies. Improvements begin immediately from this work. While executing on the low hanging fruit, we look more deeply at the organization and in conjunction with management lay out a project plan for running optimally, implementing as we go. We then continue execution on that more detailed plan. The key is to move quickly and achieve results early on, particularly if the organization has been in a loss position.

The client brings the institutional knowledge regarding clients, markets, and performance. Cogent brings a top notch team with extensive management experience and an external perspective. Our collective responsibility is to achieve improved results. Cogent’s only fees in executing the detailed plan are a percentage of the improvement in the overall profitability of the company. We are completely aligned and have the same goals, growth and profitability of the organization.
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We work with a variety of industries. In proceeding through our implementations, we look at everything that could make a difference in the performance of the organization. Companies are typically in the $5-100M range in revenues, although we work with smaller companies. We have performed work under a number of circumstances. Most of our clients fall into two general developmental stages. The first are those who have hit a tough patch. They are either losing money or have had a significant fall off in performance. Time is usually very important in these cases, because the very survival of the organization may be at stake. The second is the business that has grown and performed nicely, but has reached the limit of what the owner/founder can do on their own or the management is not sure how to get the company to the next level. The owner may feel that growth is slowing or maybe the world has simply changed and not quite sure how the business has to adjust in order to continue to grow.

The key thing is that we get results, coming in to work with and beside you. It is our collective responsibility to achieve the results in the plan. For the implementation phase we only get paid based on the bottom line results we together achieve. So if you know of a company that could use superior management talent honed in a number of businesses in the middle and large company market, than give us a call at 303-459-4870 and of course reserve us a desk.

Everyone will agree that an effective consulting engagement is one that concludes with both parties in agreement that requirements were met exactly – with on time and on plan deliverables. What’s so hard about that? Well, when the engagement is contemplated in an environment of financial constraints, the respective parties bring differing viewpoints that are not joined. In the end, some don’t do what they could or should and others are unsatisfied with outcomes.

Clients seek subject matter expertise, problem-solvers and solutions – an involvement that respects internal knowledge but offers external credibility. Consultants seek clients that are open to fresh thinking, people who have a serious stake in outcomes and a desire to follow through. Both parties must be definitively committed to key points in a plan, starting with an explicit vision and ending with quantitative outcomes.

Why is it that so few engagements commence before financial constraints encumber the process, and are there ways to manage exploratory processes to start turnarounds earlier? First, prospective clients need to believe that consultants truly offer something that they can’t do for themselves. Although skills within the client organization may be sufficient to address problems, these resources may not be available to meet the need. They may be deployed on other priorities or constrained or, frankly, paralyzed. Second, consultants may appear too superficial in evaluating the circumstances or too ready to take precipitous action, or far too expensive. In either case, the apparent cost is higher than the perceived benefit. There is no clear intersection of need, no measure of benefit with accountability for achieving outcomes crucial to the client.
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How do we navigate points of possible contention? When considering the horns of a dilemma, it’s often best to jump right into the middle. Explicit discussion about desired outcomes can lead to development of a plan outline. Frank comparison of the level of need and the cost of consulting is crucial, a discipline diagrammed below, including use of internal resources and unique consulting capabilities. Consultants must understand that they provide a grout to supplement internal resources and bind the client organization to a mission, a respectful responsibility to challenge the status quo and an accountability to monitor progress. Objectives must be to educate and coach, to conclude the engagement with the client organization in position to prosper – measured against explicit plan objectives. Finally, consultants must be openly conscious of the proportion of financial betterment that they share, and willing to stake a portion of what they charge to achieving the agreed set of results.

For help with analyzing how to best optimize your cash flows and establish a solid cash reserve, contact us at 303-459-4870.