Cash Flow

Profit Is Not Cash: What Small Business Owners Need to Know

You can be profitable on paper and broke in the bank account. Here's why - and how to make sure it doesn't happen to you.

Profit Is an Accounting Concept

Profit is what's left after expenses on your P&L. It's a calculation. Cash is what's in your bank account. It's a fact. Those two numbers almost never match in real time.

Where the Gap Comes From

Common reasons profit and cash diverge: customers haven't paid yet (A/R), you've paid vendors in advance (prepaids), you've bought equipment (capitalized, not expensed), you've paid down debt principal (not on the P&L), or you've taken owner draws.

Watch Both Numbers

Healthy businesses watch profit and cash. Profit tells you whether the business model works. Cash tells you whether you can keep operating it.

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